What Happens If Scotus Strikes down The Health Insurance Mandate?

it's s hi right new member the i'm a new member and i was fascinated by the discussion of the case of the individual mandate before skeletons if i understand correctly sam thinks it would be a good thing if the man they were ruled unconstitutional because this would crash the insurance companies because it without it their business model is unsustainable as this the correct interpretation is so if it is and insurance companies crash with this necessarily lead to something better like medicare for all well i mean i think uh... you heard a shared brown that they were on the road to that and i think um... i think there's probably some truth to the fact that we're headed in that direction one way or another but as if i had an unnatural capacity once i get an email from a new member who also gets one of these rise if i had an unnatural capacity to essentially sign writers expert in the health care field to address your question on uh... june sixteenth sarah cliff in the uh... bloomberg muse i believe it is our room washing processed say writes that in nineteen ninety-three washington at st pasa la both guaranteeing all residents access to private health insurance regardless of their health status and requiring washingtonians to purchase coverage in other words you cannot be denied if you have a pre-existing condition but everyone must by health insurance the state legislature however repeal dot the last provision two years later that being the mandate with the guaranteed access provisions still standing that is you can't be denied with the pre-existing condition the state's top premiums rise enrollment drop as residents only purchase covered when they coverage when they needed it so basically people said and await till i have a some type of hi i am aware that i have some type of major medical expense in the not-too-distant arising health insurers fled the state by nineteen ninety nine it was impossible the by an individual plan in washington no company was selling in other words really couldn't get employer-based coverage if you weren't and ployed or you're self-employed you were out of luck it uh... was essentially a disaster what instead one report from awash in state insurance commissioner's office at the time described it insurance market has entered a death spiral with couple with customers only buying coverage when they needed death spiral you'll hear a lot in discussing uh... health care and they're talking about the business model of the insurance companies you will also hear guaranteed access that again is in reference to saying you cannot be denied based on your age your your health or pre-existing condition what effectively happened it was you've got to this tipping point where we couldn't afford to do business in the individual our coverage was simply cannot available sedih health insurance company spokesperson in two thousand washing stateless layer significantly modified its guaranteed issue policy insurers would still have to cover most residents but those with pre-existing conditions could be required to wait nine months for the policy to kick in the very sickest applicants would meanwhile be eligible for coverage at a and a high-risk insurance pool administered by the state there are now high-risk insurance pools all across country as a function of the affordable care act sort of midwife thing the time now and twenty fourteen where all those people will actually be able to buy coverage in uh... the uh... greater health care exchanges watching states insurance market now is nine company selling individual policies compared to the nineteen that participated in nineteen ninety three thirteen percent of washes the residents currently lack health coverage the same number as when the health reform experiments started so the question is that what can you extrapolate on a national level if is insurance companies cannot flee http flee the united states that they will have to sell this uh... on insurance market well i would suggest that will happen is uh... premiums will rise significantly though they are still bound by other provisions of the law to spend eighty percent of their premium collection on healthcare that cost of health care will go up as the number of premiums they get from otherwise healthy people goes down and it will force some type of reckoning i suspect could lead to some form a single payer we just don't know we don't know if the supreme court is going to strike down just the mandate or bigger provision of law is unclear and yes pregnancy is counted as a pre-existing condition indeed