Story of the Day | Syracuse Journal of Law & Civic Engagement

The Problem with Possibly Postponing the ACA’s Insurance Mandate

Yesterday, NPR’s Story of the Day podcast replayed a story from All Things Considered which discusses the problems created by the glitches in the governments Affordable Care Act (ACA) website. Some critics of the ACA are calling for a delay in the implementation of the insurance mandate. If people cannot sign up for insurance with the government, how can the government penalize people for not having insurance? As the story explains, the seemingly simple fix of delaying the insurance mandate is complicated.

Here is are excerpts from the story:

One of the big questions now circulating concerns what will happen if the website can’t be fixed soon. Will the government really penalize people for not having insurance if they can’t realistically buy it?

Technically, people are supposed to have coverage starting Jan. 1, 2014. But there’s a 90-day grace period, meaning you actually have until the end of March, which is also when the current open enrollment period ends. . . .

Even the administration says it wants to fix this. At a briefing Monday, White House spokesman Jay Carney said, “In terms of the Feb. 15 date that you just mentioned, there’s no question that there’s a disconnect between open enrollment and the individual responsibility time frames in the first year only. And those are going to be addressed.”

And if that mismatch does get changed, it would give people an additional month and a half to sign up without risking a penalty — and without extending the existing open enrollment date.

But what about the possibility of extending the enrollment period, which even some Democratsare now calling for if the website isn’t fixed soon? Or of waiving the penalty for the first year?

That’s where you start to run into big issues with the insurance companies that are offering these products in the exchanges. They set their premiums based on the rules as they’re written — that healthy young people would be strongly encouraged to sign up by the prospect of a penalty, and that they would be encouraged to sign up within this six-month window.

Looking Across the Pond to Prevent Political Gridlock

After sixteen days of government shutdown and being on the brink of federal default, Congress passed, and the President signed, a bill that will re-open the government and raise the debt ceiling, preventing high stakes budgetary brinkmanship at least until 2014. In keeping with what has become a theme this past week this story from NPR’s Story of the Day podcast and Weekend Day Edition Saturday discusses possible solution to gridlock in Washington. The story interview’s comparative political scientists about how the American political system compares to European democracies, which generally do not find themselves deadlocked by political paralysis. While is it unlikely that the U.S. will soon amend the Constitution to adopt a parliament, the story discusses some important differences between how elections are financed and political negotiations are conducted in Europe and the U.S.

Here is how the segment begins: