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Back in 2012, the Supreme Court upheld Obama Care’s individual mandate, ruling that the government could require the purchase of health insurance under its taxing power. The Affordable Care Act remains in place pending appeal as the law’s defenders vow to preserve it.

Speaker-designate Nancy Pelosi blasted the ruling as “absurd.” The case eventually could come before the Supreme Court.

Although “most people are not motivated by the penalty,” he argued, eliminating the mandate has not helped.“It did have an impact,” he said.

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Add to the mix a recent court ruling against the law, and Obama Care continues to take hits despite Republicans’ repeated failure to repeal it.

Edmund Haislmaier, a health policy expert at the conservative-leaning Heritage Foundation, said many people who were young and healthy have concluded that insurance simply was not worth it.

This is especially true if they had no assets that would be at risk if an emergency caused them to be treated without insurance at a hospital.“What [the architects of the law] didn’t account for was the behavior of the target population,” he said.

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Short term medical is designed as temporary health insurance coverage for people who are in between major medical policies.Members may download one copy of our sample forms and templates for your personal use within your organization.Please note that all such forms and policies should be reviewed by your legal counsel for compliance with applicable law, and should be modified to suit your organization’s culture, industry, and practices. Just be aware that the options below are not considered minimum essential coverage under the ACA, which means they are not guaranteed issue (i.e., they do not cover pre-existing conditions) and do not include comprehensive benefits. Some states do have penalties for not having ACA-compliant coverage. That said, if for one reason or another you want to explore other health insurance options and decide to enroll in one of them, you can do so without facing the tax penalty in 2019.

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