El mandato individual también se conoce como la disposición de responsabilidad compartida individual. La Ley de Atención Médica Asequible (ACA) estableció la regla en 2014 de que todas las personas deben obtener un seguro médico aceptable para sí mismas y sus familiares, independientemente de la edad, o pagar una multa por cualquier mes durante el cual no hayan estado aseguradas. Habrían tenido que mantener cobertura esencial mínima (CEM) a través de un empleador, el mercado individual, un programa financiado por el gobierno o cualquier otra cobertura designada por el Departamento de Salud y Servicios Humanos de EE. UU., o pagar una multa.
¿Cómo le afecta el mandato individual?
The individual mandate was created to encourage healthy people, who generally wouldn’t consider buying health insurance, to sign up. The ones who need medical care the most are sick people, but because of the care they require being so costly, premiums have risen and don’t attract those who are healthy.
Los economistas pensaron que exigir que más personas se inscribieran mantendría las primas bajas para todos.
El importe de la multa has risen since the individual mandate came into effect, from $95 per person or 1 percent of income – whichever was the greater amount – to $695 or up to 2.5 percent of income in 2016 and after, with a cap at three times the annual flat dollar amount. In a lot of cases, paying the penalty became cheaper than paying for the premium of a health plan, but the overall goal was for the government, insurers, employers and individuals to have shared responsibility to improve the availability and use of insurance coverage in the United States.
La única forma de estar exento era si experimentabas alguna circunstancia de dificultad Esto le impediría obtener seguro médico durante cualquier día del mes; se consideraría exento durante todo el mes y tendría que presentar un reclamo de exención.
El proyecto de ley de reforma fiscal
There have been challenges to the law, suggesting that it’s unconstitutional for the government to penalize its citizens for not consuming a product, but supporters insist that the government is taxing those without health insurance and has the right to do so.
A partir de 2019, las personas ya no serán penalizadas por no tener seguro médico. El presidente Donald Trump firmó un proyecto de ley de reforma fiscal, aprobado por el Congreso en 2017, llamado Ley de Reducción de Impuestos y Empleos, que eliminó la multa por mandato individual, reduciendo por completo la tarifa a cero.
However, you may be still be required to pay the penalty in early 2019, depending on your noncompliance for the 2017 and 2018 tax year and you will be responsible for 100 percent of your health care costs if you aren’t covered by insurance and will still need to comply with all other ACA provisions.
¿Qué significa para usted la eliminación de la sanción por mandato individual?
The individual mandate is still active, but the penalty you must pay for having no insurance has been reduced to zero. It only makes sense that without the mandate penalty to have coverage, among many other factors that may affect the consumer’s decision, healthy people will drop out of the market. So, the question healthy people are faced with is, why pay for care that you more than likely won’t need?
Por qué es importante mantener un seguro de salud
Having insurance and medical care available to you is always a good idea, in the case that you are ill – it’s protection in the event that something happens.
Believe it or not, people without insurance pay twice as much for care and can easily fall into debt after a serious accident or sickness. A common urgent care center visit averages about $150 per visit and the average emergency room visit can run up to a thousand dollars, depending on treatment you receive. A hospital stay, alone, can cost about $4,000 a day. That doesn’t include any additional services or procedures you may receive, such as doctor’s fees, medications, and treatments.
Even when you aren’t sick or hurt, you will need medical care at some point. Prevention can save you so much in the long run, for your health and financially. Most medical plans offer free preventive care or you pay less for in-network health care. The routine doctor visits make spotting a serious condition easier and quicker to treat. Waiting until you experience severe symptoms to see a doctor may be too late and can be extremely costly, when it may very well be something that could have been prevented.
¿Qué puede suceder con las transiciones de consumo debido a la reforma?
Según el no partidista Oficina de Presupuesto del Congreso, it’s predicted that the number of uninsured will rise by the millions and continue to grow every year. Health insurance rates would rise for everyone in order to cover the cost of care required for the sick, as happened prior to the establishment of the individual mandate. Instead of paying for increased premiums and having plans with more options and provider networks, healthy consumers are buying cheaper plans, with less benefits and protections, that aren’t ACA-compliant.
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