It Is the Subsidies, Not the Individual Mandate, That Prevents an Insurance Death Spiral

By: Wednesday July 17, 2013 2:00 pm

There is some good news out of New York. Insurance premiums on the state’s small individual market are expected to drop by 50 percent as a result of the Affordable Care Act. This happened because the New York’s tiny individual insurance market suffered from a quasi-death spiral since the state required guaranteed issue and community ratings but didn’t offer subsidies to help people buy insurance.


More People Might “Thank Obamacare” If It Had Actually Done More Sooner

By: Monday October 24, 2011 4:12 pm

Supporters of the new Affordable Care Act have recently launched the “Thanks Obamacare!” campaign to highlight the law’s positive aspects. Unfortunately several of the features the campaign praises are provisions that haven’t taken effect yet and won’t until 2014. That highlights the political malpractice in the design and timing of the APA.

Yes, Reconciliation Can Be Used to Repeal the Affordable Care Act

By: Friday October 14, 2011 12:30 pm

There is a widely believed myth that a Republican Senate could not use reconciliation to repeal most of the provisions of the Affordable Care Act. But that view ignores the history of how the reconciliation rules have been used, as well as the ability of a Senate majority to interpret or change its rules.

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