New report: Health care individual mandate lowers costs, prevents millions from losing insurance in NC

Do you want to pay 27 percent more for your health insurance by 2019? No?

How about letting 4 million of your fellow North Carolinians go without the ability to get insurance?

If both of these prospects sound bad to you — as they do for most people — then you support the individual mandate contained in the Affordable Care Act, a new report from the Justice Center finds.

Some excerpts from the news release:

Undermining health care law would increase costs, put insurance coverage for 4 million North Carolinians at risk, new report finds
Today, NC GOP are hearing a bill on repeal of a key reform that reduces costs and protects millions

RALEIGH (Jan. 27, 2011) – On the same day that North Carolina Republicans are hearing a bill on repeal of the individual health insurance mandate in committee, a new report shows that the individual mandate will protect 4 million North Carolinians.

In addition to preventing millions from losing coverage, the individual mandate prevents health insurance premiums from rising 27 percent by 2019, the report says.

“The individual mandate will make insurance fairer and more affordable,” said Adam Linker of the NC Health Access Coalition, author of the report. “Repealing it would increase costs and put insurance coverage for 4 million North Carolinians at risk.”

The responsibility for most people to purchase an insurance plan is an important piece of health reform that makes it possible to ban the practice of denying insurance to people based on their medical history.

Approximately 4 million North Carolinians suffer from a pre-existing condition using insurance industry definitions used to reject applications or charge higher premiums, the report finds. Approximately 1.5 million North Carolinians suffer from a pre-existing condition severe enough to prompt an automatic rejection for coverage.

The individual mandate requires that everyone who can find affordable coverage purchase a policy. This helps cover the cost of care at emergency rooms, which must treat everyone regardless of ability to pay. It also keeps premiums affordable for everyone.

14 Comments

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  4. Ed

    January 27, 2011 at 2:15 pm

    Anyone who honestly believes the mandate and this law will actually save people money AND give people better health care AND reduce our debt in years to come must be living on planet “Bazaaro”.

    Like every single other big federal government program the new law will cost billions upon billions more than the projected cost and create more bureaucracies and will do nothing to improve health care or save money. Never mind the fact that government telling people what they must buy is as unconstitutional both and spirit and in legal terms as it gets.

  5. Jeff Shaw

    January 27, 2011 at 2:19 pm

    Anyone who honestly believes this law will save people money must have actually looked at the numbers.

    Anyone who says this law is even close to unconstitutional must not have actually read the constitution, or paid attention to American history.

  6. Andrea V.

    January 27, 2011 at 5:20 pm

    Ed, I’d love to live on Planet Bazaaro. Perhaps there they have bazaars where one can buy affordable health insurance that actually pays for the services one needs. Perhaps there they have affordable health care because their government isn’t in thrall to an army of high-priced lobbyists who work for insurance companies and against real cost-saving reforms.

    As for believing that the government doesn’t have the right to tell people what to buy – I’m thinking car insurance, I’m thinking driver’s licenses, I’m thinking clothing – that’s bizarre.

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