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house Bill H.R. 521

Should People With Only One Health Insurance Option be Exempt From the Individual Mandate’s Tax Penalty?

Argument in favor

Obamacare has left Americans in many counties across the country with few options — in some cases only one — for buying health insurance. It’s unfair to impose the individual mandate tax penalty on consumers facing a monopoly.

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05/09/2017
Everyone should be exempt from the mandate. You're not a moral person for forcing other people to buy insurance they don't need. In no universe is that ethical behavior. People need help - if you're a good person, YOU will help them, and if I'm a good person, I will help them. But you are in no way a good person if you force ME to help, nor am I in any sense a good person if I force YOU to help. There is no moral defense for mandating that someone else act. The only person one has any ethical right to compel to action is oneself.
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Matt's Opinion
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05/09/2017
There should be no mandate. The government has no right to tell you how to spend your money.
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05/09/2017
Sorry, the freedom of the healthy is still important. I am a person who has had significant health issues. It is sad and difficult, but it is nobody else's responsibility to give up some of their life and time for mine. It is only good if you help someone of your own free will. Force is slavery. Be a friend; help people yourself.
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Argument opposed

There shouldn’t be a special exemption to the individual mandate for people living in areas that only have one health insurance provider. They need to buy health insurance from that one plan or pay the tax penalty.

Jesse's Opinion
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05/09/2017
I originally objected to the mandate, until I came to understand that its purpose was to keep healthy people in the pool to offset the costs of the sick. I am one of the healthy - I am sick enough to need to take a day off work maybe once every 5 years, I don't have diabetes or even bad allergies - but I think beyond myself and my own immediate needs to look at the larger picture. Some day I'll need more medical care, as will my wife, and perhaps our soon-to-be-born child. I am happy to maintain insurance, or pay the tax penalty for not having it, in order to help keep costs down now, and to insure that same protection will be there when I need it. That said, I would happily endorse a single-payer system, or better yet a Canadian- or European-style public healthcare system, and would just as happily swallow higher tax rates to pay for it.
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James's Opinion
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05/09/2017
This mandate helps pay for the program as a whole and helps keep other costs down. The solution isn't getting rid of the mandate, it's finding a way to provide more options to people in remote areas.
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mikesindahouse's Opinion
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05/09/2017
I think we need to mandate that the insurance companies be required to be on the exchanges if they want to do any business in that state/nationally.
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    Everyone should be exempt from the mandate. You're not a moral person for forcing other people to buy insurance they don't need. In no universe is that ethical behavior. People need help - if you're a good person, YOU will help them, and if I'm a good person, I will help them. But you are in no way a good person if you force ME to help, nor am I in any sense a good person if I force YOU to help. There is no moral defense for mandating that someone else act. The only person one has any ethical right to compel to action is oneself.
    Like (51)
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    I originally objected to the mandate, until I came to understand that its purpose was to keep healthy people in the pool to offset the costs of the sick. I am one of the healthy - I am sick enough to need to take a day off work maybe once every 5 years, I don't have diabetes or even bad allergies - but I think beyond myself and my own immediate needs to look at the larger picture. Some day I'll need more medical care, as will my wife, and perhaps our soon-to-be-born child. I am happy to maintain insurance, or pay the tax penalty for not having it, in order to help keep costs down now, and to insure that same protection will be there when I need it. That said, I would happily endorse a single-payer system, or better yet a Canadian- or European-style public healthcare system, and would just as happily swallow higher tax rates to pay for it.
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    This mandate helps pay for the program as a whole and helps keep other costs down. The solution isn't getting rid of the mandate, it's finding a way to provide more options to people in remote areas.
    Like (103)
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    I think we need to mandate that the insurance companies be required to be on the exchanges if they want to do any business in that state/nationally.
    Like (74)
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    If there is only one provider in an area, the only viable solution is a public option. Not to get rid of the mandate
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    There should be no mandate. The government has no right to tell you how to spend your money.
    Like (41)
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    Sorry, the freedom of the healthy is still important. I am a person who has had significant health issues. It is sad and difficult, but it is nobody else's responsibility to give up some of their life and time for mine. It is only good if you help someone of your own free will. Force is slavery. Be a friend; help people yourself.
    Like (33)
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    Yes, but what about the GOP's promise to REPEAL OBAMACARE?! The AHCA doesn't do that by any stretch of the imagination, in spite of what so many Republican Congressmen say! They remind me of the line from Hamlet (Act 3, scene 2) that says, "The lady doth protest too much, methinks." I predict that in 2018 some Republicans will lose their seats because We the People are fed up with BROKEN PROMISES! Unless there are an awful lot of gullible American voters who still believe their campaign promises. . . . Folk, actions speak louder than words! What happened to a person's word being their bond???! It's called INTEGRITY! Remember that word? WHY CAN'T WE BUY HEALTH INSURANCE ACROSS STATE LINES???! What right does government have to dictate what we must buy anyway???! And are you ever going to subject health insurance companies to antitrust laws???!
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    The tax mandate makes it possible for those who need insurance but cannot afford it to obtain it. Socialism gave us roads and bridges and now it has given us health insurance. I am lucky enough to have employer provided insurance therefore I am exempt from the mandate, but if my employer did not provide my insurance I would need to take advantage of the government funded health care programs- programs that are funded by that mandate. I understand that healthy people don't want insurance because they don't need the coverage, but having something and not needing it is better than needing it and not having it.
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    All citizens should be exempt from a penalty. The government had no place telling people what to buy.
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    More competition is important, they should be focusing on getting more young people people to sign up for health insurance to bring premiums down!!
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    Every single person can get sick without warning. Sometimes illness can be very serious and lead to a lengthy hospialization. Without insurance, that same person won't be able to get the follow up care or prescriptions they need to preempt another ER visit! That costs all of us eventually as it raises our insurance rates. Everyone should pay for health care to avoid unnecessary ER visits and hospitalizations! Please oppose!
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    The only way premiums will ever come down is if there's a mix of high and low risk individuals in the same pool; the only way to achieve that is through some kind of mandate. Maybe it's time we stop treating health care as a consumer product and instead treat it as a universal right.
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    Mandate the insurance company's to sell across borders.
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    Insurance pools require more people to drive costs and premiums down. Removing the individual mandate defeats this and would cause failure in the insurance markets. Single payer is needed for these scenarios.
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    Bottom line is that the Feds need to get out of the health care business
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    There should be no mandate, period
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    I don't like the tax mandate for health care. It's unconstitutional and costs citizens a lot of unnecessary money.
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    We need to have democrats fix Obamacare ,not republicans trying to replace it. The ACA would have been improved even more if president Obama didn't have a United republican congress against him who did nothing for 8 years but oppose anything he tried to do to help people. Any large program such as Medicare, social security or Obamacare will need to have adjustments made periodically, but stopping this the republicans were able to use that against the democrats and people fell for it. Until now when they see what the republicans will do to them in its place. Trying to give people a break from the mandate leaves them without insurance and hurts the program. The answer to this is fix not replace,it is much easier to do except there would not be anyone thrown off so the wealthy won't get 880 billion dollars in tax breaks, for that reason republicans will never do it
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    Single payer for all. People need health insurance, allowing them to opt out allows them to bankrupt themselves. Universal healthcare!!
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