No Healthcare? Expect a Requirement to Get It

Associated Press Online –

June 22: Don’t have health insurance? Don’t want to pay for it? Too bad. It’s looking like President Barack Obama and the Democratic-controlled Congress are going to require you to pick up the bill.

In Washington-speak, it’s called an individual mandate — or a requirement that people who don’t already have health insurance to purchase it, much like most states require drivers to have automobile insurance.

Obama long has been wary of the idea, arguing that people cannot be required to buy coverage if they can’t afford it. His plan during the presidential primary didn’t require all adults to have coverage, only children. He and then-rival Hillary Rodham Clinton, who backed a universal requirement, sparred repeatedly over the issue.

Now in the White House, Obama has set in motion steps toward his broad goal of making health care more affordable, improving quality of care and expanding coverage. Says Obama: “We are not a nation that accepts nearly 46 million uninsured men, women and children.”

He largely has left it to the House and Senate to work it out. But in recent weeks, Congress signaled that legislation overhauling health care was all but certain to require that people have insurance. Of course, details about how to implement such a mandate must be worked out — and there are many — but the overall concept increasingly seems on track to be included in any sweeping health care overhaul that makes its way to Obama’s desk.

The president’s support for the requirement is recent — and conditional. In a letter in early June, he told key Senate Democrats writing legislation that he was willing to consider their ideas for “shared responsibility,” requiring people to have insurance with employers sharing in the cost. “But,” he added, “I believe if we are going to make people responsible for owning health insurance, we must make health care affordable.”

He went a smidgen further last week. “I am confident in our ability to give people the ability to get insurance,” he told doctors. Thus, he said: “I am open to a system where every American bears responsibility for owning health insurance, so long as we provide a hardship waiver for those who still can’t afford it.”

Obama also indicated that if he were giving a little, insurance companies eager for new customers must as well, and called on them to stop denying coverage based on pre-existing conditions. Said Obama: “The days of cherry-picking who to cover and who to deny — those days are over.”

Even before the president took office in January, the insurance industry, which killed former President Bill Clinton’s health care overhaul, indicated it was willing to accept that trade-off, making a mandate all the more likely.

Democrats have opposed such a mandate in previous years, fearing it would disadvantage the poor. In fact, it was Republicans, including 1996 presidential nominee and former Sen. Bob Dole, who pushed the idea in the 1990s.

These days, it’s hard to find many opposed to a requirement. Insurers like it: A mandate means a ready pool of new customers. Businesses back it: They say employers alone shouldn’t shoulder the responsibility to pay for coverage. Hospitals cheer such a provision: They’re tired of absorbing the costs of the uninsured seeking medical attention. Doctors support it: They want to stop providing services for free. And advocates for the poor are conditionally favorable: They want adequate subsidies and so-called hardship waivers.

No comments yet.

Leave a Reply