Question

In 2012 the Supreme court ruled the 2nd mandate of the Affordable Care act Unconstitutional. What is the 2nd mandate

Answer 1

The second mandate of the Affordable Care Act requires that US individuals and companies should have health insurance coverage for themselves and their employees. Under this act, those without coverage should face tax penalties. The coverage should meet the federal definition of 'essential care.' The individual mandate’s aim is to have health insurance coverage for everyone including healthy people. Thus the risk pools, where each one pays health insurance premiums but only some will file claims, will be wide enough to lower premiums for all, even ones with expensive medical conditions. Each and every US citizen and permanent resident, other than those in the exempt groups, is required to have health insurance. The exempt groups are as quoted below:

• People whose religion forbids them from having any health insurance
• People who are incarcerated
• Members of Native American tribes; undocumented immigrants
• Families whose income is so low that they are not required to file a tax return
• Individuals who would have to pay more than 8 percent of their income for insurance, after taking into account employer contributions or other subsidies