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Colleges getting out of health insurance business

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Colleges getting out of health insurance business

March 28, 2015, 11:13 AM    Last updated: Saturday, March 28, 2015, 11:15 AM
By DONNA GORDON BLANKINSHIP
Associated Press

SEATTLE (AP) — The federal health care overhaul is leading some colleges and universities to get out of the health insurance business.

Experts are divided on whether this change will be good or bad for students. Some call it an inevitable result of health care reform and a money-saver for students since insurance in the marketplace is usually cheaper than the college plans. Others worry that more students will go without health insurance since their premiums won’t be folded into the lump sum they pay for school, and they say college health plans offer more coverage for the money than other options.

The main driver of colleges getting out of the insurance business is a provision in the Affordable Care Act that prevents students from using premium tax subsidies to purchase insurance from their college or university, according to Steven M. Bloom, director of federal relations for the American Council on Education, a Washington, D.C., group representing the presidents of U.S. colleges and universities.

Add to that the provision that allows young people to stay on their parent’s health insurance plans until age 26, plus the expansion of Medicaid in some states and the rising cost of student insurance. The result is cheaper health insurance available for students off campus.

But Bloom worries more schools will decide to drop insurance coverage..

https://www.northjersey.com/news/colleges-getting-out-of-health-insurance-business-1.1298154

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Dark days ahead for ObamaCare

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Dark days ahead for ObamaCare

By Elise Viebeck – 11/29/14 06:13 AM EST

The Obama administration is facing a slew of healthcare challenges as the winter holidays approach.

While this fall has been a far cry from last year, when HealthCare.gov was melting down, 2014 has brought wholly unexpected problems to the fore for federal health officials and the White House.

Take the conflict surrounding Jonathan Gruber, the ObamaCare consultant whose suggestion that a “lack of transparency” and voters’ “stupidity” helped the law pass, went viral.

Though Democrats have sought to distance themselves from Gruber, his remarks have become a new flashpoint in debate over healthcare reform, invigorating GOP critics as the party prepares to take control of the Senate.

Gruber has agreed to testify before the House Oversight Committee on Dec. 9, in a final hearing for outgoing chairman and relentless administration antagonist Rep. Darrell Issa (R-Calif.).

The gathering, also set to include Centers for Medicare and Medicaid Services (CMS) Administrator Marilyn Tavenner, is sure to prove a distraction for the White House as officials try once again to keep a lid on opposition to the law.

Here are four additional challenges that the administration faces on healthcare this winter.

https://thehill.com/policy/healthcare/225348-dark-days-ahead-for-obamacare

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U.S. CEOs threaten to pull tacit Obamacare support over ‘wellness’ spat

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U.S. CEOs threaten to pull tacit Obamacare support over ‘wellness’ spat

By Sharon Begley 4 hours ago

NEW YORK (Reuters) – Leading U.S. CEOs, angered by the Obama administration’s challenge to certain “workplace wellness” programs, are threatening to side with anti-Obamacare forces unless the government backs off, according to people familiar with the matter.

Major U.S. corporations have broadly supported President Barack Obama’s healthcare reform despite concerns over several of its elements, largely because it included provisions encouraging the wellness programs.

The programs aim to control healthcare costs by reducing smoking, obesity, hypertension and other risk factors that can lead to expensive illnesses. A bipartisan provision in the 2010 healthcare reform law allows employers to reward workers who participate and penalize those who don’t.

https://news.yahoo.com/exclusive-u-ceos-threaten-pull-tacit-obamacare-support-120556143–sector.html

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Four words that could deep-six Obamacare

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Four words that could deep-six Obamacare

Richard Wolf, USA TODAY6:42 p.m. EST November 22, 2014

WASHINGTON — The most serious challenge to President Obama’s health care law since it survived the Supreme Court by a single vote in 2012 isn’t a balky website, public opinion or the Republican takeover of Congress. It’s the Supreme Court — again.

In a case likely to be heard in March and decided in June, the justices will dissect the meaning of four words on page 95 of the 906-page Patient Protection and Affordable Care Act — four words that could render health insurance premiums unaffordable for millions of Americans.

Here’s a look at the issues in King v. Burwell:

Question: Why the fuss over four words?

Answer: The law states that tax credits will be available through so-called exchanges, or online marketplaces, “established by the State.” When it was being crafted, it was assumed that all 50 states would create their own exchanges. After it passed in March 2010, it became clear that many states would rely on the federal government to operate them, as the law allows.

In 2012, the Internal Revenue Service made the subsidies available in all states. The law’s challengers claim they cannot be offered in exchanges operated by the federal government. Thirty-six states fit into that category. Without subsidies, insurance costs would skyrocket.

Q: What’s more important — the plain meaning of those words, or the context?

A: That depends on whom you ask. The challengers say the plain meaning is clear: Subsidies can be offered only in state exchanges. If that’s what Congress wrote, they say, the Supreme Court cannot change it, and the IRS cannot extend tax credits to federal exchange customers.

The administration and other proponents say the words must be read in the context of a law clearly intended to make health insurance more widely available and affordable. Even the suspect words appear in a subtitle of the law that reads, “Affordable Coverage Choices for All Americans.”

https://www.usatoday.com/story/news/politics/2014/11/22/supreme-court-obama-health-care/19271273/

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Issa calls Gruber to testify before Oversight

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Issa calls Gruber to testify before Oversight
By Sarah Ferris – 11/21/14 09:47 AM EST

The House Oversight Committee is asking embattled former ObamaCare consultant Jonathan Gruber to testify at a hearing next month on the “transparency failures” of the administration’s healthcare law.

Oversight Chairman Darrell Issa (R-Calif.) sent a letter to Gruber on Thursday, about two weeks after videos surfaced in which the adviser suggested that a “lack of transparency” and the “stupidity of the American voter” helped Congress pass ObamaCare.

The chairman also invited Marilyn Tavenner, head of the Centers for Medicare and Medicaid Services (CMS), whose own investigation found that the Obama administration had inflated its enrollment numbers by about 400,000 people, helping to lift it past the much-touted 7 million goal.

“The American people deserve honesty, transparency and respect from those who forced the federal government into their healthcare,”  wrote Issa in a statement Friday.

“I expect Mr. Gruber and Administrator Tavenner to testify publicly next month about the arrogance and deceptions surrounding the passage and implementation of ObamaCare,” he added.

The hearing will take place December 9, the last week of the lame-duck Congress, in what would likely be the outgoing chairman’s last Oversight hearing.

https://thehill.com/policy/healthcare/224981-jonathan-gruber-asked-to-testify-at-house-hearing

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Yes, Jonathan Gruber Is An Obamacare “Architect”

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Yes, Jonathan Gruber Is An Obamacare “Architect”

The health law’s allies are trying to distance themselves from the economist’s remarks about the deception involved in passing the law. But they’re only proving him right.

Peter Suderman | November 18, 2014

In the space of a week, Jonathan Gruber has become a non-person in Washington. Until last Monday, the MIT health economist was widely and uncontroversially cited as an “architect” of the Affordable Care Act, a go-toexpert regarding the law’s politics and mechanics. But after multiple videos surfaced in which Gruber said or implied that the bill’s backers relied on deception and an assumption of voter stupidity in order to pass it, Obamacare’s backers moved swiftly to distance themselves from Gruber and downplay his role in the creation of the law.

Asked about Gruber’s videotaped declaration that “lack of transparency” provided “a huge political advantage,” Democratic House Minority Leader Nancy Pelosi responded dismissively. “I don’t know who he is,” she said. “He didn’t help write our bill.” A Wall Street Journal item by Neera Tanden, the president of the liberal Center for American Progress and a former administration staffer, opened by insisting that Gruber “did not make policy, nor did he work for the White House, HHS, or any congressional committee.” Jay Angoff, the former overseer of the health law’s implementation at the Department of Health and Human Services (HHS), told Politico that Gruber was neither a legislator nor a staffer. “He’s like 300 million other Americans who can have their opinion.”

Even the president himself weighed in. Responding over the weekend to questions about Gruber’s statements, President Obama pushed back on Gruber’s role, labeling him “some adviser who was never on our staff.” Gruber’s remarks, Obama said, were “not a reflection on the actual process that was run” when crafting and passing Obamacare.

https://reason.com/archives/2014/11/18/yes-jonathan-gruber-is-an-obamacare-arch

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Health Care Law Recasts Insurers as Obama Allies

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Health Care Law Recasts Insurers as Obama Allies

By ROBERT PEARNOV. 17, 2014

WASHINGTON — As Americans shop in the health insurance marketplace for a second year, President Obama is depending more than ever on the insurance companies that five years ago he accused of padding profits and canceling coverage for the sick.

Those same insurers have long viewed government as an unreliable business partner that imposed taxes, fees and countless regulations and had the power to cut payment rates and cap profit margins.

But since the Affordable Care Act was enacted in 2010, the relationship between the Obama administration and insurers has evolved into a powerful, mutually beneficial partnership that has been a boon to the nation’s largest private health plans and led to a profitable surge in theirMedicaid enrollment.

The insurers in turn have provided crucial support to Mr. Obama in court battles over the health care law, including a case now before the Supreme Court challenging the federal subsidies paid to insurance companies on behalf of low- and moderate-income consumers. Last fall, a unit of one of the nation’s largest insurers, UnitedHealth Group, helped the administration repair the HealthCare.gov website after it crashed in the opening days of enrollment.

https://www.nytimes.com/2014/11/18/us/politics/health-law-turns-obama-and-insurers-into-allies.html

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THE OBAMACARE SHOW, STARRING JOHNNY GRUBER – H-E-E-E-E-E-E-E-E’S JOHNNY!

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THE OBAMACARE SHOW, STARRING JOHNNY GRUBER – H-E-E-E-E-E-E-E-E’S JOHNNY!

NOVEMBER 18, 2014  LEAVE A COMMENT

By Scott St. Clair | The Save Jersey Blog

For a guy as smart as Jonathan Gruber, he sure is dumb. In the Internet age, where everything you say or do is recorded for posterity and available in three seconds via Google, did he really think he could call us names and get away with it – over and over again?



Last week, several videos were released that document Gruber’s blasé contempt for the American voter. In the first one of several discovered by a Philadelphia-area investment consultant who lost his health insurance because it didn’t meet Obamacare standards, Gruber blithely confesses that the president’s healthcare plan was conceived in secret double-shuffle trickery and dedicated to the proposition that the American people are too stupid to understand when they are being conned (the juicy part starts at the 20:25 mark and runs for one minute):

To hear that the funding scheme was deliberately made confusing to hide the fact that it’s a tax – “Lack of transparency is a huge political advantage” – and that the geniuses who cooked it up figured it would be easy to put one over on those of us in the great unwashed – “stupidity of the American voter” – by itself should be sufficient to outrage the average voter.

But there’s more. Throughout the week on a daily basis, similar videos starring Gruber at a number of venues around the country spanning a couple of years surfaced. You can see them here (31:00 minute mark “too stupid to understand the Cadillac tax”), here (29:00 minute mark again on the Cadillac tax, former Massachusetts Sen. John Kerry called “a hero” and “lack of economic understanding on the part of the American people”), here (22:00 minute mark on the Obamacare taxation con game and phony “cost control” sales pitch) and here (1:26 clip where Gruber laughs at and mocks Obamacare concerns of a Vermonter as “adolescent”).

Lest you think he is a one-hit wonder, week two of Gruber releases started out with a slide presentation he prepared wherein he said America’s senior citizens “do a terrible job” selecting health care plans. What will tomorrow bring?

https://savejersey.com/2014/11/obamacare-gruber-video/

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MIT Professor Jonathan Gruber’s gaffes could derail Obamacare

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MIT Professor Jonathan Gruber’s gaffes could derail Obamacare

Obamacare architect Jonathan Gruber — the MIT brainiac caught on video admitting the law’s “lack of transparency” was meant to dupe a gullible American public — could end up becoming Obamacare’s demolition man, with congressional Republicans threatening to hold hearings and experts saying his bombshell comments could impact the Supreme Court case challenging the Affordable Care Act.

“They can subpoena him and call him to testify about the way he used federal money because he got an awful lot of it,” said Dennis Hale, a Boston College political science professor, referring to reports yesterday that Gruber received hundreds of thousands of dollars in federal grants to help states implement Obamacare. “If he shows up to testify, it’s going to be pretty ugly.”

“This is the gift that keeps on giving,” Hale said. “If you’re selling a product that people don’t want to buy and then tell them they’re stupid because they don’t want to buy it, you get into trouble.”

Gleeful Republicans, who will dominate the House and Senate come January, have pounced on Gruber’s comments that the Obamacare law “passed because the American voters are too stupid to understand the difference.”

Rep. Jim Jordan (R-Ohio) told The Washington Post, “We may want to have hearings on this.” And Arizona Sen. John McCain said the controversy “gives us ammunition to make fundamental changes to the law.”

The Gruber firestorm comes just a week after the Supreme Court agreed to hear a case challenging whether states enrolled in the federal HealthCare.gov portal — rather than creating their own exchanges — can dole out Obamacare subsidies.

https://www.bostonherald.com/news_opinion/local_coverage/2014/11/mit_professor_jonathan_grubers_gaffes_could_derail_obamacare

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Rick Jensen: Could Obamacare architect be prosecuted?

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Rick Jensen: Could Obamacare architect be prosecuted?
MTN3:39 p.m. CST November 14, 2014

Victims are millions of Americans who lost their major medical insurance due to Obamacare

Deceit. Fraud. Premeditated felonious theft from millions of Americans.

Now that Jonathan Gruber, known as “The Architect” of Obamacare, has been publicly revealed as a joyful con artist in a YouTube video, are his actions prosecutable?

The victims are the millions of Americans who lost their major medical insurance policies due to Obamacare, lost their doctors, their children’s doctors, their family’s cancer specialists and coverage at children’s hospitals and cancer clinics because of a law that was sold to Americans as being just the opposite.

The victims are the millions of Americans whose premiums increased so dramatically that they are forced to drop their coverage.

A video recently posted of the MIT professor speaking in 2013 as an academic panelist is a criminal confession in which he gleefully bragged that the ironically-named “Affordable Care Act” was written in such a way as to obfuscate the true nature of the bill’s effects and hide from the American public and the Congressional Budget Office the fact that if they told the truth the bill would not pass.

In Gruber’s own words: “This bill was written in a tortured way to make sure CBO did not score the mandate as taxes. If CBO scored the mandate as taxes, the bill dies. Okay, so it’s written to do that. In terms of risk-rated subsidies, if you had a law which said that healthy people are going to pay in — you made explicit healthy people pay in and sick people get money, it would not have passed.

“Lack of transparency is a huge political advantage. And basically, call it the stupidity of the American voter or whatever, but basically that was really, really critical for the thing to pass … Look, I wish Mark was right that we could make it all transparent, but I’d rather have this law than not.”

Liberal elites nod their heads at this, agreeing that the American people are too stupid to know what’s good for them. The elites feel compelled to tell you and me how we should live. After all, it “was really, really critical for the thing to pass.”

https://www.baxterbulletin.com/story/opinion/2014/11/14/obamacare-architect-prosecuted/19027767/

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Obamacare : State, federal insurance sites face first-day hiccups

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Obamacare : State, federal insurance sites face first-day hiccups

Jayne O’Donnell and Laura Ungar, USAToday10:51 p.m. EST November 15, 2014

Open enrollment on the federal HealthCare.gov site kicked off relatively smoothly in many parts of the nation Saturday, although there were reports in some areas that consumers and brokers had problems logging into accounts.

Healthcare.gov launched amid much anticipation after last year’s botched rollout.. Department of Health and Human Services reported more than 23,000 people had submitted applications in the first eight hours.

Just as the federal log in issues appeared resolved Saturday afternoon, issues on state-run sites cropped up.

Across the U.S. state-run exchanges were having mixed success enrolling people. Washington state had to take its exchange offline to resolve a problem in which 2015 tax credit amounts were being incorrectly calculated for customers. In Colorado, plans that include cost-sharing subsidies weren’t showing up for broker Louise Norris, who also got frequent error messages as she navigated the site.

At least she was able to enroll customers. Brokers at the Health Insurance Store of Louisiana in Baton Rouge weren’t able to do that until early afternoon. Owner Will Chapman says none of the 10 agents or their clients could log into accounts until about 1 p.m. CT Saturday.

“We’d go in with an e-mail account, set up an account, verify it and create a password, but when go back to actually log in with that information, it says your password is invalid,” says Chapman.

After a lengthy wait on hold for the call center around midday, Chapman says, they were told the problem was systemwide.

“The vast majority of users are having a smooth experience during the first day of Open Enrollment on HealthCare.gov as they fill out applications, browse and enroll in plans,” HHS spokesman Aaron Albright said in an e-mailed statement. “We expect to experience the normal issues that any other complicated technology project does upon launch and have seen a small number so far.”

Albright said the department “will continue to work every day to make the consumer experience simpler and easier.”

https://www.usatoday.com/story/news/nation/2014/11/15/open-enrollment-healthcaregov-affordable-care-act-site-performance/19085637/

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This Democrat Is Giving Up on ObamaCare

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This Democrat Is Giving Up on ObamaCare

The disastrous rollout of the Affordable Care Act was the catalyst for my party’s midterm thumping.

By
Burke Beu
Nov. 13, 2014 6:00 p.m. ET

I grew up in a Democratic family. I have been a registered Democrat since age 18, a Democratic candidate for statewide office in Colorado and a party precinct captain in that caucus state. I’ve volunteered for numerous Democratic candidates and contributed to party causes and campaigns. The 2014 election results were extremely disappointing for me, but hardly a surprise.

I voted for Barack Obama in 2008, then lost my job in the Great Recession. I was lucky; my brother lost his job and his house. I survived on part-time jobs while paying out-of-pocket for my health insurance.

I voted for President Obama again in 2012, then received a cancellation notice for my health insurance. This was due to ObamaCare, the so-called Affordable Care Act. However, I couldn’t afford anything else.

Midterm elections in the second term of a presidency are difficult on the president’s party, and the Obama administration’s crisis-of-the-month headlines weren’t helpful. Ultimately, though, ObamaCare was the catalyst for my party’s midterm thumping.

https://online.wsj.com/articles/burke-beu-this-democrat-is-giving-up-on-obamacare-1415919619

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Professor John Gruber Comments on Obamacare amount to the political and legislative equivalent of a terrorist attack

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Professor John Gruber Comments on Obamacare amount to the political and legislative equivalent of a terrorist attack.

All village residents of every political stripe should find his behavior abhorrent, blatantly violative of multiple critical constitutional principles undergirding our small ‘r’ republican democracy. Shall he be forgiven because he is a dedicated political progressive, whose motives are therefore pure and well above reproach? Shall his demonstrably faithless acts, performed over a long period of time but seemingly unregulated by the nagging influence of conscience that constantly operates in the minds of the rest of us who have always loved this country and our fellow countrymen, go uncondemned solely because they were undertaken at the behest of a man, the color of whose skin effectively renders him immune to political criticism? Does the fact of his having been raised in Ridgewood give us his former neighbors special status, relieving us from the need to speak out because of an overriding and certainly understandable desire to avoid doing anything that might negatively impact property values? Or do we choose to remain mute because, despite being the tree from which this particular political apple has frankly not fallen very far, his parents remain our neighbors and true friends?

MIT Professor John Gruber has now clearly shown the world that modern progressive liberals in this country believe, and are ready, willing, and able to act on their belief that their supposedly noble and enlightened political ends justify any seedy, mendacious, ‘big lie’-propagating, Alinsky-inspired, Cloward-Piven strategy-driven means they may wish to employ. Look at the latest video and you will see this horribly corrosive attitude in full flower, revealing not a hint of self-consciousness, but clearly articulated in the context of an otherwise apparently normal panel discussion held before an apparently large but depressingly credulous and sympathetic professional audience. Professor Gruber puts in a performance that should make the cockiest of barnyard roosters and the proudest of peacocks start looking for new respective lines of work. The catastrophically politically destructive concepts he shamelessly propounds have absolutely no place in our culture. And yet, instead of witnessing the entertaining spectacle of his friends and colleagues in the political and professional progressive elite climbing atop and over each other in a mad rush to avoid being seen in the same intellectual zip code as Professor Gruber, which by all that is right and good in this world should be in full swing by now, we are treated to the increasingly familiar, if no less distressing, chorus of crickets.

Professor Gruber’s behavior should be recognized for what it is: naked political jihad. At this point, we cannot continue to regard it as fringe behavior that will fizzle out, a ‘la Bill Ayers and the Weathermen. No, it has significant momentum now, and will surely continue, and likely get much worse, unless and until enough of the rest of us stop taking our beautiful national heritage for granted, and start caring enough about the enormous existential threats now darkening our doorstep to become personally educated on the major issues we collectively face as a culture.

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Obamacare architect Jonathan Gruber Lack of Transparency Was Key ..‘Stupidity Of Voter’ Would Have Killed Obamacare

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Obamacare architect Jonathan Gruber  Lack of Transparency Was Key ..‘Stupidity Of Voter’ Would Have Killed Obamacare

The Daily Caller

November 9, 2014 | Patrick Howley

https://dailycaller.com/2014/11/09/obamacare-architect-lack-of-transparency-was-key-because-stupidity-of-the-american-voter-would-have-killed-obamacare/

MUST WATCH VIDEO  https://www.westernjournalism.com/shock-video-obamacare-architect-admits-the-law-passed-only-because-america-was-deceived

Obamacare architect Jonathan Gruber said that lack of transparency was a major part of getting Obamacare passed because “the stupidity of the American voter” would have killed the law if more people knew what was in it.

Gruber, the MIT professor who served as a technical consultant to the Obama administration during Obamacare’s design, also made clear during a panel quietly captured on video that the individual mandate, which was only upheld by the Supreme Court because it was a tax, was not actually a tax.

“This bill was written in a tortured way to make sure CBO did not score the mandate as taxes. If CBO scored the mandate as taxes, the bill dies. Okay, so it’s written to do that. In terms of risk rated subsidies, if you had a law which said that healthy people are going to pay in – you made explicit healthy people pay in and sick people get money, it would not have passed… Lack of transparency is a huge political advantage. And basically, call it the stupidity of the American voter or whatever, but basically that was really really critical for the thing to pass… Look, I wish Mark was right that we could make it all transparent, but I’d rather have this law than not.”

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Supreme Court challenge sows uncertainty for ObamaCare

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Supreme Court challenge sows uncertainty for ObamaCare

By Sarah Ferris – 11/08/14 08:51 AM EST

The Supreme Court’s decision on Friday to take up another ObamaCare challenge is the latest headache for a healthcare industry that has already struggled for years with complicated legal challenges to the law.

The court’s ruling in King v. Burwell threatens to dismantle a core provision of the healthcare law that provides subsidies for nearly 5 million people. While that decision won’t come until next spring, experts say that waiting period could throw ObamaCare in flux ahead of its second full year of implementation.

“I think it does create a cloud of uncertainty,” Elizabeth Carpenter, director of the healthcare consulting firm Avalere Health, told The Hill. “In some ways, stakeholders and key industry groups were beginning to kind of settle into some of the rhythms of the [Affordable Care Act], and certainly, this adds just another unknown variable.”

The court’s announcement came as a surprise to lawmakers who helped craft the law, many of whom dismissed the GOP-driven legal challenge as a partisan attack.

https://thehill.com/policy/healthcare/health-reform-implementation/223405-supreme-court-challenge-sows-uncertainty-for