Aftermath of Affordable Care Act Passage

Constitutionality Of The Decision

The controversial healthcare legislation initiated by President Obama passed Thursday June 28, 2012, the Supreme Court justifies their decision as it being another tax.  The Constitution allows Congress the power to tax in Article 1- Section 8 of the Constitution it does not specify for what purposes. As a result, all American citizens must purchase health insurance by 2014. With 2012 half way over, time is running out.

The ACA for Small Business Owners

The ACA also requires business owners employing 50 or more full-time  employees to provide health insurance. Smaller businesses with less than 50 full-time employees, the individuals must find their own healthcare provider.

State exchanges will be available to provide affordable insurance to business. In return, businesses get a tax credit if their annual income ranges between $11,70 and $44,680. If businesses fail to provide healthcare they will encounter a monetary penalty.

The Numbers


Americans who fail to get insured by 2014 will have pay a penalty too. Penalties for individuals will start at $95 or 1% of income, whichever is higher. Family penalties will be $285 or 1% of income, whichever is higher. Penalties will increase as each year passes without insurance.


Without the ACA 57.7 million people would be uninsured in 2014. In 2019 the number would grow to 65.7 million people. 13.7 million young adults ages 19-26 are now guaranteed health insurance via their parents. Approximately 49.9 million Americans will be able to afford healthcare.

Expansion of Medicaid

The government is planning to spend $1 trillion over the next ten years to pay for Medicaid. It is expected that millions of Americans will now be eligible for the entitlement program. Regardless of status, Americans within 133% of the poverty line will be eligible for Medicaid.

Let’s Make Sense Of Things

Essentially the ACA is considered a tax for healthcare. Americans will either get health insurance or pay a penalty for not having it. More Americans will have access to healthcare insurance than ever before. Small business will have a new burden of providing insurance but they will get some help from the government through state exchanges and tax credits. Medicaid will cover more people, and the government will spend more money on entitlement programs.  The ACA is not a magical piece of legislation that will cure the American health system, it’s the first stone in a path to a better health system. A lot of internal issues must be solved to fix inefficient procedures, outdated record keeping systems and a scarcity of doctors. President Obama will definitely leave his legacy on the American people through this legislation. Presidential contender Mitt Romney promises to repeal the law, but the chances for success are slight.


Tell the Truth

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