“On Tuesday, Americans will go to the polls to choose whether or not to nationalize their health-care system. The choice for president will have numerous other consequences. But in most cases we will be choosing between tendencies shrouded in uncertainty. The candidates have staked out positions and made some explicit promises—but how these work out in practice will depend on many future contingencies, and many an earnest campaign promise has been confounded or even reversed in the past. The health-care choice is singular not only for its importance but for its certainty.”

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“A Cigna Corp. executive said Thursday that taxes on the health insurance industry related to the Affordable Care Act, or federal health care reform, will be pushed onto customers in the form of higher premiums. Cigna’s Chief Financial Officer Ralph J. Nicoletti responded to a question about the taxes during a conference call with financial analysts Thursday morning when the Bloomfield-based health insurer reported third-quarter earnings.”

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“With the Presidential election one week away, it’s worth reviewing how Obamacare will impact the residents of key swing states. In Ohio, as elsewhere, Obamacare will drive up the cost of private health coverage, especially for those who buy insurance on their own. A non-partisan study found that, by 2017, individual premiums in Ohio will increase by as much as 85 percent. “

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“In just 14 months, Americans will be required to prove that they have federally “qualified” health insurance or face an Obamacare tax of $695 to $2,085. That is unless you are in prison, below the poverty line, or are an undocumented immigrant, according to the anti-tax group Americans for Tax Reform.”

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“As the federal government tries to leave the states with the freedom to set up individualized local health exchanges, state officials say they’ve received so little guidance that they’re afraid they’ll have to make changes as more regulations come out after the presidential election.”

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“I just cannot get over that blow against not only sound jurisprudence and the rule of law — bad enough — but against the legitimacy of our government altogether. By recognizing that Obamacare was unconstitutional but shying away from striking it down, John Roberts fundamentally shook my faith in our system of justice.”

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“The ACA health insurance subsidies are the most significant expansion of entitlements since the 1960s. In light of the precarious fiscal outlook for the federal government, its cost is a central concern to policymakers and taxpayers alike. When the ACA passed in June 2010, the Congressional Budget Office projected the budget cost between fiscal 2012 and fiscal 2019 to be $462 billion. By June 2012, the cost for these same years had jumped to $574 billion, an increase of nearly 25 percent.”

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“The most important provisions of ObamaCare are scheduled to take effect in 2014. I have been researching ObamaCare and assisting with its implementation, and have come to this realization: Without further reforms, the law will create unnecessary costs for working-class Americans.”

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“California officials have floated the idea of legislating lower prices. One way would be to throw West Los Angeles and Orange County into the same risk pools. That might reduce premiums in West L.A., but only by increasing premiums in Orange County. With a few simplifying assumptions, premiums in both West L.A. and the O.C. could rise by 19 percent. An alternative would be to cap premium increases. One state official proposes a cap of 8 percent. But that would just be an implicit form of government rationing. If insurers cannot charge premiums that cover their costs, they will cover fewer services.”

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“U.S. health care suffers from three major problems: millions of people go without insurance, health care costs are rising at unaffordable rates, and the quality of care is not what it should be. The Affordable Care Act (ACA) primarily addresses the first — and easiest — of these problems by expanding coverage to a substantial number of the uninsured. Solutions to the other two remain aspirations and promises.”

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