Archive for the ‘Health Care Reform’ category

Half of Polled Californians Don’t Know they’re Covered

August 26th, 2013

Health care in California is a big point of discussion in current politics what with the complete overhaul that’s currently underway. This overhaul includes the Affordable Care Act, an act put in place to help ensure that more underprivileged individuals and families are granted access to affordable health care in their state. For some, this will have no effect; for others, it will be a big game-changer. Many small-business employers will now be able to offer healthcare more affordably to their employees, and there is now a standard for what certain health care companies can offer.

The current issue, however, lies in the fact that more than half of the population doesn’t know that they can now afford coverage.

The Poll

A recent poll, called the Field Poll, surveyed uninsured, low-income voters who would technically be qualified candidates for health coverage. The poll found that more than 50% of these people either a) did not know that they qualified for health insurance, or b) believed that they did not qualify for health insurance. When participants who were qualified, but not under an employer, were surveyed, the percentage who did not know about their qualification was even larger.

Clearly, the state of California has an issue of awareness on its hands.

What can be Done / What is Being Done

It’s now up to the state agency who is behind the Obamacare overhaul to inform and educate the public about the fact that they may be newly qualified or able to get more affordable care. As of right now, advertising seems like one of the only options. Statewide, we may be looking at an investment of over $300 million that will go toward the endeavor of spreading the word about new health care. This will be in various forms – from door-to-door visits to online advertisements, all geared toward the uninsured and convincing them to take what’s theirs.

The issue, however, isn’t simply about awareness – it’s about understanding. Some 25% of the population knows nothing about the new Affordable Care Act. Another 60% consider themselves to be “somewhat knowledgeable.”

Since lack of healthcare is a huge issue in the United States, it’s important for California residents to be aware that they might qualify for policies with Health Net California or one of the many other reputable insurance agencies. Many citizens tend to tune out when they hear mention of “health care reform,” but since this plan is put in action to literally revolutionize the way that lower-income residents buy and use their health insurance – while making the stipulations more transparent and the competition and pricing more fierce – it’s an act that pertains to everyone. Do your research!

California Health Reform Rollout to Continue into 2014

July 25th, 2013

If you live in the state of California, you’ve probably heard word of the federal health reform – known officially as the Affordable Care Act – that has been put in place. Many of these changes have already occurred, while others will be implemented on intermittent dates for the rest of 2013 and well into 2014.

Perhaps the biggest change is the introduction of Covered California, the new health insurance marketplace designed to ensure that buyers are getting health insurance policies that meet federal standards for quality and create a competitive landscape for insurance providers. If desired, consumers can still purchase their policies through brokers and directly through licensed carriers; however, the government will be providing subsidies to qualifying patrons through the marketplace.

For customers who wish to use the Covered California marketplace, the open enrollment will begin on October 1, 2013 and end on March 31, 2014. This is the time period during which the buyers can obtain their California family health insurance for the 2014 year.

No matter how you choose to purchase your health insurance, you’ve likely seen and will continue to see the changes in healthcare benefits that have been implemented. For one, the age cutoff for coverage for dependents is now 26 years old, regardless of their current residency, education, employment, or marital status. Furthermore, no enrollees with pre-existing conditions can be denied if they are under the age of 19. While formerly there was a limit on the amount of dollars spent in a lifetime – and sometimes, annually – in healthcare on a specific enrollee, that provision has been lifted. Women’s preventative health services will now be free of charge under the new act as well. Finally, patients have more rights to choose their primary care provider; there is no longer a necessity for a referral for an OB/GYN, no increased copay for out-of-network emergency care, and no need for authorization for emergency visits.

In tandem with the changes to provisions will be the enforcement of new rules. For one, health insurance providers must continue to provide care during time when an appeal is still pending. Under the New Rescission rules, a person cannot have their healthcare rescinded once enrolled under an Individual and Family plan unless they have intentionally misrepresented their facts. Those enrolled in small group health plans will also notice that the Medical Loss Ratio, or MLR, has changed – no more than 80% (85% for large groups) of revenue can be spent on medical costs; if this number is exceeded, the covered person will be entitled to a rebate.

Finally, and perhaps most importantly, all covered persons will receive standard documentation that thoroughly outlines their policies to avoid confusion and insufficient coverage for costs.

Though the healthcare changes got mixed reviews from the public, the changes are put in place and should benefit the customer overall.

Finding The Right Plan

May 16th, 2013

In California, there are many options when it comes to health insurance.  Many carriers are trying to sell you their insurance plans based on the strength of their network, coverage and affordable prices.  However, recently, it has been more and more difficult for consumers to find affordable health insurance plans.  This does not just apply to California health insurance plans, many people across the country are dealing with high price insurance options.  This is part of the main reason Obama passed the health care reform laws over three years ago.  His ultimate goal is to make health insurance more affordable for all Americans.

In 2014, no one can be denied health insurance, regardless of your pre-existing condition.  So this is a really good thing.  However, no one really knows the true impact that will have to prices.  Keeping the cost constant for a bit, then it will come down to coverage and carrier.  When shopping for individual health insurance in the near future, it will be important to understand everything you are getting when making a decision.  Research if your doctors are covered with the carrier.  Know what is the difference between out-of-pocket maximums and deductibles.  Figure out which coinsurance limit will be best suited for you and your health history.  We will find out real soon how the health insurance industry will evolve because of the health care reform.

Health Care Reform Needs The Right Leaders

January 21st, 2013

As the exchange era approaches and the reform bills take affect, many are still wondering what the overall result will be.  As of late, many have seen there health insurance premiums double with no explanation.  Also, many are still without health insurance because it is still way too expensive.  It is estimated that there are still over 40 million Americans without health insurance today.  That number is obviously why President Obama is trying to overhaul the system with his laws that were passed over two years ago.  In California, there are currently over 8 million uninsured, one of the highest figures in the country.  So, how will the exchanges get these millions of Americans insurance?  How long will it take for everyone to get health insurance?  5 Years?  20 years?  Another question, will people simply pay the fees associated with not having insurance because that it is still much cheaper than actual health insurance premiums.

Many people who make $10 dollars an hour, trying to make a living, do not have and can’t afford to get health insurance.  America needs quality leaders to oversee the health care system and the implementation of it coming next year.  Most are predicting that the healthy will pay for the poor, just like the rich pay for the poor when it comes to government programs, etc.  Next year everything takes affect, we will find out soon.

Higher Health Insurance Premiums On The Way

January 7th, 2013

Obamacare has been at the forefront the last three years and has been one of the most important issues the Obama administration has handled in their term.  As Obama’s four year term is coming to an end and the new term is starting, many consumers are wondering why insurance premiums are continuing to rise.  Also, many are now questioning how it will all of sudden start to decrease starting in 2014.  Aetna, one of the largest insurers in the United States, says health insurance premiums may go up as much as 20 to 50 percent in 2014.  Blue Shield mentioned that some markets may even double by the time the health care reform really starts in 2014.  So why is this really happening?  Many critics of the health care reform saw this coming from a mile away.  This is because, starting in 2014, no one can be denied health insurance coverage.  Anyone can apply through the health insurance exchanges, or direct, and get approved for health insurance even if they have a pre-existing condition.

From a care standpoint, this is obviously a great thing because everyone should have access to care.  However, from a pocket book standpoint, everyone will pay the price.  The main reason for this is because the healthy will have to pay for the sick.  There are 8 million uninsured in California alone that might be entering the market starting in 2014 when its required to have health insurance.  The sick pool will need the most money to pay for their claims, and that will only come from the healthy.

The health care laws also state that the premiums can not vary too much based on age and that it will be a community rating.  This will probably benefit the older more than it will the younger.  Since the older population have higher health costs, the younger segment will pay for this difference.  So what do we do at this point?  Well, there actually is no easy answer to that.  We have to all hope that the reform rules and regulations will not effect the market as much as all these top insurance carriers do.

Presidential Debate Tackles Health Care

October 4th, 2012

President Obama and former Governor Romney had a very heated debate last night in Denver.  Many topics were covered, including economy, tax codes, and government regulation.  However, perhaps the most heated and important topic discussed was about the health care reform and the future of health care.  President Obama of course backed up his plan that he put in place over two years ago.  He sited many benefits of the reform, such as no pre-existing condition clause and no lifetime maximum.  Mitt Romney actually passed a similar plan on the state level.  When he was governor, he passed a reform similar to what Obama passed on the federal level.  The main topic that was debated though was about state versus federal regulation when it comes to health care.

Mitt Romney wants states to take control and have the freedom to implement strategies and reform as they see fit for their state.  President Obama thinks that the federal government should have the ultimate control.  The both went back and forth, talking about control and power.  Also, health care costs was also at the forefront.  Romney maintains the position that the reform passed by Obama will make health insurance premiums rise and make it even more unaffordable for Americans to purchase health insurance.  President Obama wants the health insurance exchanges to be a foundation for competition, which he thinks will ultimately drive down the price of health insurance.  There are two more debates left before the election.  Many issues, including health care reform, wait in the balance.

Why Health Insurance Premiums Will Increase In 2014

September 21st, 2012

President Obama passed the health care reform over two years ago.  The law has been debated for just as long and will continue to be.  The Supreme Court ruled to upheld the law and kept most of it intact.  The biggest part being debated was the individual mandate.  After all was said and done, everyone will be required to have health insurance starting in 2014.  Only with a few exceptions, most will have to purchase health insurance by that date or they will face a fine.  More importantly, there is no pre-existing clause.  Meaning, no one can be denied health insurance because of their current health status.  So, if someone has terminal cancer, they will still be able to get health insurance to help pay for medical bills.  Now, there are two ways to think about this.  Of course, it is a great thing that those that are sick will not be denied health insurance.  One of the leading causes of bankruptcy is unpaid health insurance bills.  However, this benefit does not come without its consequences.

So, if no one can be denied health insurance; then what will stop the problem of adverse selection.  Meaning, carriers will draw more sick people than anticipated and this will drive up the cost of insurance…..for the healthy people as well.  Here is an example, someone just found out that they have cancer and they do not have health insurance.  Once they hear the news, they go and purchase the gaurenteed insurance and start to use it.  One year later, the cancer is gone and now the individual cancels their insurance policy because they would rather pay the fine on a yearly basis then the high monthly premium costs.  This example shows that the cost of the medical services to treat the cancer (surgery, radiation, etc.) was probably in the millions, and the premium collected by the carrier was probably in the low thousands.  So the math does not add up.  Who will make up the difference?  The answer is the healthy people.  This is the problem we will face in 2014, and why health insurance premiums will continue to rise in the coming future.

Adding Maternity Coverage To Your Plan

September 5th, 2012

In California, all individual and family health insurance plans added maternity coverage starting in July.  That is great news for a lot of people.  This is because, before, many plans did not offer coverage and the ones that did were very expensive.  Additionally, many individuals would wait until they were expecting a child and then apply for coverage.  Health insurance carriers viewed this as a pre-existing condition and many would deny coverage to the applicant.

Now, because of the health care reform, maternity coverage is included on the health insurance plans.  And the coverage is good because it covers the doctor visits, ultra-scans, and hospital stays.  An interesting fact about hospitals stays though, is that some hospital charges will actually be accessed on the child.  So its important that you add the new born quickly to the plan.  In California, most carriers give you 10-30 days to add the child to the health insurance plan.

California Health Insurance Exchange

July 31st, 2012

In California, over 7 million people do not currently have health insurance.  And over 40 million people do not have health insurance in America.  You can see how large California is though as far as percentage of the total uninsured.  The decision last month to not overturn the health care reform, and more significantly the individual mandate, will have large affects for years to come.  So what does this really mean?  Starting in 2014, everyone in America will be forced to have health insurance and they will face a fine.  There are certain waivers, such as being on a governmental program or getting an income waiver.  But for the most part, many will be seeking health insurance in the coming months.

In California, many might seek health insurance through the exchange which has to be up and running by 2014.  There are some critics though that say the management of the exchange will be challenging.  For one, many have questions when buying health insurance and there might not be enough coverage to answer all the questions.  Buying health insurance is more complex than say, getting a plane ticket.  Also, when small businesses want to purchase health insurance through the exchange, who will be there to guide them.  Many of these questions will be answered soon in the coming months.

What The Supreme Court Decision Means To You

July 5th, 2012

Last week, the Supreme Court ruled not to throw out the health care reform which was passed over two years ago.  Two major issues were being watched by many people.  The first one, was the Medicaid expansion and the qualifications to get insurance through Medicaid.  And the second, was whether or not the individual mandate was constitutional.  The Supreme Court ruled that the mandate is constitutional and that they will enforce the mandate as a tax.  The original pitch and what was Obama’s selling point, was that the mandate would be penalized as a fee not a tax.  So this decision is huge and can have some falling out by supporters of Obama.  Anyone who does not health insurance by 2014, will pay $95 or 1% of their income, which ever is greater.  The figures go up if you have a family that is not covered.  Also, if you still do not have health insurance by 2016, the tax will go up to 2.5%.

So the question here is, will people that are healthy still go without health insurance and pay the tax.  Or, is the tax enough to make them change their behaviors.  Most likely, the former because it still is a lot cheaper to pay the tax then pay the monthly premium on a health insurance policy.  Another issue will be how each state will proceed with implementing the health insurance exchanges by 2014.  Still, there are 26 states that are opposed to the ruling and it will be a challenge for the federal government to manage the exchanges without support on the state level.

Supreme Court Ruling

June 26th, 2012

The Supreme Court is expected to rule on the health reform laws this week.  Meaning, that this is a very important week for both the government and the American people.  There are basically three scenarios – the whole law is thrown out, only part of the law is thrown out or everything is upheld.  Most likely, many think that only part of the law will be thrown out, the individual mandate.  This has been the most controversial part of the health reform laws that says everyone must have health insurance by 2014 or face a fine.

Many Americans believe that the government overreached their boundaries by trying to impose this regulation.  The main issue is that many can not afford health insurance.  And, many feel that they are healthy and do not need to have health insurance.  The ruling will have resistance either way it is ruled.  If the law is thrown out, then the Democrats will push to repeal the decision, and vice versa.  As we wait to see what there decision will be, the election also waits in the balance and the ruling may have significant future implications.

Individual Plans Offer Maternity Coverage

June 8th, 2012

Before July of this year, many individual health insurance plans did not offer maternity coverage.  And if you picked a particular plan that had some type of maternity coverage, the coverage was limited and the plan was very expensive.  Now, the marketplace has changed a little bit.  Whether a direct result of the health reform or not, all carriers are offering plans that cover maternity and it is not at a hefty price.

Many individual health insurance plans have actually become more affordable while offering better benefits.  This is usually not the case in the individual health insurance market.  Usually when carriers offer better benefits for their health insurance plans, they usually charge you more per month.  Many are taking advantage of these great benefits, especially since there is uncertainty because the Supreme Court is scheduled to rule on the health reform any day now.

Supreme Court Decision Drawing Near

June 4th, 2012

The health reform was passed well over two years ago and has not gone without debate.  Many parts of the reform have already been implemented and have had a positive impact.  For instance, the lifetime maximum was lifted so no one can be limited by the amount of medical services they can receive.  This is very important for those patients who are terminally ill and rely of medical services to keep them alive.  Also, the age was increased for dependents to be on their parents’ health insurance to age 26.  As the economy continues to struggle, many are relying on others to pay their health insurance premiums.

However, the most important part of the reform is still being debated, and that is whether or not the individual mandate is constitutional.  Starting in 2014, the reform says that everyone must have health insurance and they will face a penalty from the government.  The Supreme Court is ruling on this and the results will have a huge impact on health care and the economy as a whole.

The Future Of Healthcare Looks Cloudy

April 26th, 2012

Many people are still wondering what the real effects of the health reform will be.  Since its inception a couple of years back, there have been some changes that people have noticed.  For one, the qualifications for Medicaid have changed.  Many are now getting coverage where as before, they would not qualify.  And as a result, many now have health insurance and can get the medical services they need.  Other changes such as raising the age limit for dependents to 26 has benefited many.  Since unemployment still remains high, many are without a job and thus, can not get on an employer’s group policy.  Therefore, many younger adults are forced to stay on their parents policy until they can get health insurance on their own.  Also, the lifetime maximum has been lifted.  Meaning, that now there is no maximum amount one individual can receive in health insurance benefits.  Before, if someone had a terminal illness they would sometimes reach their lifetime maximum and would receive no further health insurance benefits.

In next few months, we should be hearing the ruling from the Supreme Court on whether they are going to let the health reform stand.  It is a big ruling as the health insurance exchanges are waiting in the balance.  Assuming the health reform stays in tact, by 2014 states are required to have exchanges up so consumers can easily shop for affordable health insurance.

Where Is Health Care Going?

April 2nd, 2012

Many people have been wondering what the fate of health care will be next year, or even five years from now.  The Obama administration did what many presidents before failed to do; overhauling the health care system.  For decades now, many people have been complaining about the health care system, its overly expensive cost and the inadequate management of the whole system.  The health care reform was passed two years ago with the ultimate goal of making health insurance more affordable for all consumers.  The supreme court met this week to see whether or not the health care reform is constitutional.  Many critics of the health care reform are saying that it is unconstitutional to make everyone get health insurance against their will.  Also, many critics are saying that the government management of the health care system will raise prices, not decrease them.

The supreme court decision will not be known for another couple of months.  Moreover, no one really knows if health care will ever be affordable.  The healthy are not getting insurance because they feel they do not need it.  And those who want it, can not afford to get health insurance.

California Gov. Jerry Brown Wants Health Care Changes Regardless of Supreme Court Decision

March 30th, 2012

The Supreme Court met this week to make a decision, or at least hear both sides, to whether or not the health reform law should be thrown out.  The main issue at bar is whether or not the government can force all Americans to get health insurance against their will.  Many consumers can not afford health insurance because the monthly premiums are simply to high.  Also, many of those same people can not qualify for public programs to obtain health insurance.  Another big issue the Supreme Court will be ruling on is the expansion of Medicaid.  The federal government is expanding its qualifications of getting Medicaid and is forcing each state to follow their new guidelines.

The judges that will be deciding on the ruling consists of nine judges, 4 democratic and 5 republican.  If all the republican judges decide against the health reform, then the law will not stand.  There has to be a majority ruling.  The decision, however, will not be known until late June.  Many state officials are waiting very anxiously on their decision.  California states that they will move forward regardless of the ruling.  The state government wants to make health insurance affordable for all Californians.  They will try to proceed with the state exchange and to try to provide insurance to the currently 2 million uninsured.

Health Insurance – How Do I Get Approved?

March 12th, 2012

When applying for health insurance their is no easy answer on how to best get approved.  All individual health insurance applications go under review and underwriting.  Many applicants can get denied if the health insurance carrier thinks its a risky applicant.  Starting in 2014 because of the health care reform, no one will be denied health insurance.  However, until then there are some strategies on how to get coverage and up your chances of not getting denied.  One, if your healthy with no complications, do not worry – chances are you will get approved and get health insurance.  If you do have some issues, then picking a plan with a higher deductible may increase your chance of getting health insurance. 

Health insurance carriers like to see that the applicants with some health concerns have some skin in the game.  If you pick a plan where you pay more up front for the medical expenses, then they will consider that heavily.  Also, some carriers have different underwriting standards.  Just because you get denied with one health insurance carrier, does not mean that another will not approve you.  It is important to shop around when buying individual health insurance.

Fears About Health Care Plan Easing

March 9th, 2012

The main problem that Obama still faces with the health reform is selling its benefits to the public.  Many still do not understand the details of the legislation.  The health reform laws are very detailed and the main benefits were not communicated to the public well.  Although less people are worried about their own health care than when the health reform first passed, many still say that they thing health insurance prices will still rise in the future. 

Another concern that has been ongoing is the requirement imposed by the federal government for everyone to have health insurance by 2014.  Many are still not going to obtain health insurance against their will.  They would rather pay the fine or try to avoid it all together.  Obama and the health reform face a big obstacle in June when the Supreme Court will meet to rule on the health reform.

Health Insurance In Texas

March 7th, 2012

Many states are waiting to see what happens in June with the Supreme Court and the health care reform.  Texas is one of those states that have been stalling on building their respective health insurance exchange.  The cost of building a health insurance exchange cost millions of dollars and the resources as far as man power is even worse.  Many are skeptical on the realistic benefit of the health insurance exchanges.

Texas health insurance is been a big issue for the state.  Currently, about 1 in 4 Texas residents are without health insurance.  For those that are above 19, the numbers are even worse.  Many Texas residents can not afford the health insurance currently offered in the state.  The premiums are way too hgh and they are worried that the health reform will just make it go higher.  Many are predicting that only the sick will migrate towards the exchange and that in turn will raise the cost of health insurance.

GOP Governors Stall Health Insurance Exhange Plans

March 5th, 2012

Many state heads are for the health reform and its intentions.  The reform was enacted to provide better health care to Americans and also to provide health insurance at a lower cost.  However, many state governors are opposed to the fact that the law requires everyone to have health insurance as they think that is unconstitutional.  The supreme court will be ruling in June on whether or not the health reform is unconstitutional.  That is why many states are waiting to build their own health insurance exchange

State governors who are holding off because they do not want to waste resources to build a full health insurance exchange if the law might be thrown out.  The health insurance exchange that each state has to have up and running by 2014 will be very hard to implement and manage.  Some states that have had them for a long time have failed to make them work.  State governors know this and that is why they are being careful.

Will The Health Care Reform Help Me?

March 2nd, 2012

We have heard this question many times and our answer is always the same, it may or may not.  Seems frustrating, right?  The health reform which was passed over two years ago has an ultimate goal of providing affordable health insurance and health care to all Americans.  Already implemented, are such benefits as no lifetime maximums and increased student age requirements.  Those changes have been welcomed and many are benefiting from it.  What has not changed in two years are the costs associated with health care.  Unfortunately, the cost of using health care is still really high and only those who can afford it, have it.  That is why California has over 5 million uninsured and why Texas has over 25% of their population without health insurance.

Starting in 2014, health insurance exchanges will be available and that should hopefully increase competition and drive down the cost of health insurance.  Not all will qualify for the subsidies to get the really good discounts on health insurance.  We will have to wait a couple of years to see how this all pans out.

Health Care Costs And Reform

February 22nd, 2012

Since the health reform was passed two years ago, many critics are predicting that the reform will actually drive up health care costs and make the problems even worse.  In looking at one state in particular, Massachusetts, who had a health insurance exchange established 5 years ago, we see that health care spending actually increased dramatically after their health care initiatives. 

Massachusetts set up a health insurance exchange that is meant to provide affordable health insurance for both individuals and families.  Since their launch, only a small percentage of the population have enrolled under their exchange.  Many complain that the process is too complex and the savings is not that much.  Many other experts predict that starting in 2014, when all states are required to have a health insurance exchange, that adverse selection make take affect.  This means that only the unhealthy will enroll in the exchange as they might qualify for the subsidies and the healthy view insurance as a waste of money.  But eventually, the unhealthy enrollees will drive up the cost of health care.

Health Care Issues In Texas

February 21st, 2012

Currently, Texas has the highest rate of uninsured people at about 25% of the states’ population.  For the ages between 19-64, about 1 in 3 do not currently have health insurance.  This is a very high rate and it is part of the reason why Obama has been pushing the health reform so consistently. 

Texas health insurance has been a big issue for many years.  But the health reform alone will not fix the problem.  The entire health care system needs to get an overhaul.  The costs to obtain health insurance are still very high in most states.  Also, residents in Texas have been struggling because of the economy and it has been slow to get back on track.  In fact, less then 33% of small business owners offer health insurance to their employees in Texas.  This is mostly because the small business simply can not afford to cover some of the premium costs of health insurance.

Health Insurance Exchange Challenges

February 14th, 2012

In 2014, each state is required to have an operating health insurance exchange ready for consumers to buy health coverage.  The exchange will have many different features, including portals for both individuals and small businesses to buy health insurance.  Many individuals, as much as 2-3 million, will qualify for subsidies when they buy their health insurance.  Also, many small companies may be able to find more affordable health insurance for their employees while also taking advantage of tax subsidies. 

Their are some major challenges though when 2014 finally comes around.  First, adverse selection could be a big issue for these health insurance exchanges.  Many critics of the health reform claim that only unhealthy individuals will migrate towards the health insurance exchange and that will force the premiums to ultimately increase.  This is because healthy individuals see health insurance as a waste of money and will not buy health insurance.  Another big challenge of the health insurance exchanges is marketability.  Especially in the small group market, many of the relationships are currently with health insurance brokers.  If the exchanges do not properly compensate the brokers, then they will not take their clients over to the exchanges.

Total Health Care Costs Fall When Poor Are Provided Insurance

February 10th, 2012

A new study out of UC Irvine states that overall health care costs actually drop when the poor are provided health insurance.  The Affordable Care Act has been the center of attention the last couple of years.  From the Republicans perspective, it has been a long fight that they are not going to give up on.  Many critics of the health care reform argue that it will cut too many jobs and also that forcing Americans to get health insurance against their will is unconstitutional.  Republicans are also very firm in saying that the health care reform will be way too costly both on a federal level and state level. 

The study actually found some interesting results that might interest Republicans.  The study shows that when the poor are given insurance, the amount of visits to the emergency room drops significantly while visits to the primary care physician increases.  This saves a lot of money because emergency room services are very costly to the overall system.  The study shows that health care costs dropped by more than 50 percent in some communities.