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EDITOR OF REDSTATE

Obamacare Meets Its Death Panel

“Judge Vinson’s ruling ultimately tells a group of people used to saying ‘yes we can’ that, in fact, ‘no, you can’t.’ ”

I am not, with this post, going to attempt a detailed exposition on Judge Vinson’s ruling that declared the individual mandate unconstitutional and, due to the lack of a severability clause, struck the whole law as unconstitutional. But I will give you a brief overview and direct you to other good sources.

Here are the basics you will need to start your day.

First, you need to understand that the case before Judge Vinson was not directed at whether the federal government can involve itself in healthcare. Instead, the case was whether the individual mandate is constitutional.

The individual mandate is the keystone to the whole legislation. Without it, the funding mechanisms of the law collapse in on themselves. Judge Vinson ruled that forcing people to buy healthcare insurance, whether they want it or not, is unconstitutional.

As Judge Vinson put it rather directly,


It is difficult to imagine that a nation which began, at least in part, as the result of opposition to a British mandate giving the East India Company a monopoly and imposing a nominal tax on all tea sold in America would have set out to create a government with the power to force people to buy tea in the first place.

To understand this, you must understand there is a great difference between activity and inactivity. Congress certainly has the right to regulate activity in commerce, but Congress cannot compel you to act. The Obama Adminstration called this argument “novel” and “unprecedented,” but as Kyle Wingfield points out, the judge turned this around on them and got to the core of the activity vs. inactivity debate.

According to the defendants [the Obama administration], because the Supreme Court has never identified a distinction between activity and inactivity as a limitation on Congress’ commerce power, to hold otherwise would “break new legal ground” and be “novel” and “unprecedented.” … First, it is interesting that the defendants — apparently believing the best defense is a good offense — would use the words “novel” and “unprecedented” since, as previously noted, those are the exact same words that the CRS [Congressional Research Service] and CBO [Congressional Budget Office] used to describe the individual mandate before it became law. Furthermore, there is a simple and rather obvious reason why the Supreme Court has never distinguished between activity and inactivity before: it has not been called upon to consider the issue because, until now, Congress had never attempted to exercise its Commerce Clause power in such a way before.

Having ruled the individual mandate unconstitutional, the judge then relied on the Obama Administration and Congress’s own words to declare the whole law unconstitutional.

For a more thorough analysis of the severability issue, John at Powerline has a good write up. Suffice it to say, as Avik Roy notes in Forbes,

In order to overturn Judge Vinson’s ruling upon appeal, it will be necessary for the government to rebut itself: to disprove its own arguments that the individual mandate is essential to PPACA.

Why? Because, according to Judge Vinson, and again from his actual decision at pages 68-70 as quoted by Avik Roy:

Moreover, the defendants have conceded that the Act’s health insurance reforms cannot survive without the individual mandate, which is extremely significant because the various insurance provisions, in turn, are the very heart of the Act itself. The health insurance reform provisions were cited repeatedly during the health care debate, and they were instrumental in passing the Act. In speech after speech President Obama emphasized that the legislative goal was “health insurance reform” and stressed how important it was that Congress fundamentally reform how health insurance companies do business, and “protect every American from the worst practices of the insurance industry.” See, for example, Remarks of President Obama, The State of the Union, delivered Jan. 27, 2009.28 Meanwhile, the Act’s supporters in the Senate and House similarly spoke repeatedly and often of the legislative efforts as being the means to comprehensively reform the health insurance industry…

Congress has also acknowledged in the Act itself that the individual mandate is absolutely “essential” to the Act’s overarching goal of expanding the availability of affordable health insurance coverage and protecting individuals with pre-existing medical conditions: “[I]f there were no [individual mandate], many individuals would wait to purchase health insurance until they needed care . . . The [individual mandate] is essential to creating effective health insurance markets in which improved health insurance products that are guaranteed issue and do not exclude coverage of pre-existing conditions can be sold.” Act § 501(a)(2)(I) (emphasis added).

In other words, the individual mandate is indisputably necessary to the Act’s insurance market reforms, which are, in turn, indisputably necessary to the purpose of the Act. This is obviously a very different situation than in Alaska Airlines, Inc., supra, 480 U.S. at 694 n.18 and 696 (unconstitutional provision severed from rest of statute where the provision was “uncontroversial,” and the debate on the final bill demonstrated its “relative unimportance”), and is more in line with the situation alluded to in New York, supra, 505 U.S. at 187 (suggesting by implication that the entire legislation should be struck when “the purpose of the Act is . . . defeated by the invalidation” of one of its provisions).

The Left’s reaction has been humorous. Powerline notes Ezra Klein’s particular reaction. Klein, you will remember, only a few short weeks ago declared the constitution difficult to understand because it was written more than 100 years ago. He then, being a non-lawyer, did his best to explain Judge Vinson’s decision to readers of the Washington Post and bungled badly.

Bush v. Gore is the best comparison the left can come up with while attacking Judge Roy’s political motivations.

Jen Rubin makes mincemeat out of these arguments by succinctly noting

These are complaints, not legal arguments. And they suggest that the left was totally unprepared for the constitutional attack on their beloved handiwork. After all, the recent mocking by the left of conservatives’ reverence for the Constitution suggests they are mystified that a 200-year old document could get in the way of their historic achievement. They are truly nonplussed, and so they vamp, not with reasoned analysis but with an outpouring of adjectives.

Precisely.

The left had plenty of warning from constitutional scholars and Congress’s own in-house non-partisan researchers that the individual mandate may be unconstitutional. The Democrats chose to ignore all that and proceed. In so doing, they did not just embrace the individual mandate, but they made it the keystone of the legislation — a vital and essentially necessary part of the legislation for it all to work.

In a move that will surely make Mr. Obama bristle, Stephen Dinan at the Washington Times points out, Judge Vinson used Barack Obama’s own words against him.

“I note that in 2008, then-Senator Obama supported a health care reform proposal that did not include an individual mandate because he was at that time strongly opposed to the idea, stating that, ‘If a mandate was the solution, we can try that to solve homelessness by mandating everybody to buy a house,’” Judge Vinson wrote in a footnote toward the end of his 78-page ruling Monday.

A bit of buzz has come up over Judge Vinson refusing to enter an injunction. In fact, some initial statements by several Governors and Attorneys General suggested the states would continue making preparations for Obamacare should the Supreme Court not agree with Judge Vinson. But a close reading of his opinion suggests the 26 states involved in the lawsuit may not have to begin preparations. According to Judge Vinson

“there is a long-standing presumption ‘that officials of the Executive Branch will adhere to the law as declared by the court. As a result, the declaratory judgment is the functional equivalent of an injunction.’ … There is no reason to conclude that this presumption should not apply here.”

By my reading, Judge Vinson is saying that there need be no injunction because the law is unconstitutional and need not be complied with. That took some testicular fortitude to get to that point.

All the White House and its minion lawyers and leftists can do tonight is call Judge Vinson’s very traditional reading of the constitution “odd and unconventional.”

Judge Vinson’s ruling ultimately tells a group of people used to saying ‘yes we can’ that, in fact, ‘no, you can’t.’ And only in that sense can anyone view this as “odd and unconventional.” A limited federal government is, after all, what the founders had in mind.

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COMMENTS

  • momofthecastle

    I always appreciate your posts. You are my source of news, and I love it when it is good. Thanks for a great start to the day.

    I would, however, point out that though Congress has the power – not the right (rights are God-given, power is delegated) – to regulate interstate commerce, it has taken far more power – given unConstitutionally to them by the Court – than was ever intended.

    This may be picky, but I think it is important to point out at any and every opportunity.

  • davesinsanantonio

    “terrible twos”. When they don’t get their way the whine, cry, or throw a tantrum. When they do get their way, they gloat.
    I believe there is little hope that they will grow up, but we shall see what the Court decides. It will be especially interesting, given the Left’s claim that precedent is important, whether any of the justices on the left still have any integrity in them, or whether their politics will override everything else.

  • http://www.voteforteri2010.com teridavisnewman

    One big step for the Constitution and one crushing blow for the idiot Obama. Guess he should have paid more attention in “Constitutional Law 101″ at that little law school in Cambridge.

  • romeg

    This is one of those times. What’s so appalling is that both chambers of Congress is filled to overflowing with lawyers; the President himself is alleged to be a lawyer although I’m not so sure that if being a lawyer were a criminal offense that there would be sufficient evidence to even return an indictment against him.

    This law and Judge Vinson’s ruling, even in the absence of the overwhelming opposition to the law by the populace, reveals the arrogance and the utter disdain of the then Democrat majority as well as The President for the Constitution and The Will of The People.

    But, as you so succinctly point out yesterday: It matters not what WE or Judge Vinson thinks. It matters only what Anthony Kennedy thinks.

  • goodforall

    I’m not sure that Congress even takes into account the constitutionality of any law they pass. Anyway, I am grateful for the judge’s decision and look forward to the Supreme Court ruling in favor (even with the two stoodges BHO has placed in there). maybe after the 2012 elections we can finally get our Country back to the basics of what made us the greatest nation on earth.

  • charlieinflorida

    will be interesting to see what the final outcome is here. I think – but don’t know – that this could be compared to Soc Security, no? We’re forced to pay Soc Sec taxes and then receive the benefits. Here, we’d be forced to buy health insurance and then receive the benefits. Will be interesting to follow.

  • eddie74

    I can visualize a Government that can Force you to Sell a product or even your house & Property or Land if they deem it’s use for another reason..
    You could be assigned a four bedroom for your family by such a government who has just evicted an older couple no longer with children.. Visualize the USSR (Russia) 60 years ago, then visualize Communist China today.. Then let your Mind dwel on the cunning & deceitful Socialist-Democrat Plan for your Life (if you are allowed to be born) & your early Death right here in America when YOU are deemed no longer useful to Society… They claim to know what’s BEST for YOU.. It’s High Time “We the People” speak up and tell these Socialist-Democrats across America what’s Worst for them…

  • rsefert

    This ruling calls out the left on the lies about obammacare not being socialized medicine ,which it is,governmnet contol,which it is,and being about healthcare for that matter. This law was about government control of insurance for healthcare. For the libidiots if you can put lipstick on a pig all you get is a pig with lipstick. You put government in contol of how healthcare is paid for you get socialized medicine.

  • Locke

    the deliberate omission of a severability clause is decisive without any consideration of the substance of the act.

  • trutexan

    It seems to me that the federal government is attempting to make all of the US population members of the US military without them knowing it. As a member of the military, the federal government decides where you live, what your base housing will be like, what you get paid, all of your healthcare is provided for you, the make you exercise and take immunizations you don’t want, and they regulate the amount of salt and fat you get to eat in the chow halls. In fact, the only thing they haven’t attempted to touch yet is what we get to wear. Will someone remind the Congress Critters that we are people and not subjects?

  • edintexas

    But on the possibility that you didn’t migrate here from Kos, there is a distinct difference. Social Security (which is also an unconstitutional over-reach by the government, but one the courts upheld on the basis of the power to tax) is the government taxing you and eventually paying you from someone else’s taxes.

    Obamacare is designed to force you to pay money to a private company in return for a product that company would provide, and penalize you for failure to buy health insurance.

  • eddie74

    The Five conservative Justices will vote with the American Constitution & the Bill of Rights which they have sworn to up-hold..
    The Four Liberal Justices will vote with the Socialist-Democrat Agenda & side-step & ignor the US Constitution which they have duplicitly sworn to tear down..

  • cari

    have to recuse herself? If so, and if Kennedy votes if favor of the law, then you have a four-four split. My understanding is that it then goes to the 11th circuit.

    Also, Mark Levin said last night that because the entire law was declared unconstitutional, any further implementation of the law by this administration from this point forward puts them in contempt of court.

    Wow. I hope that’s true.

  • Deskpilot

    With the exception of periods of draft to service, no American (or legal resident wishing to become one) is compelled to serve in the military. It is a strictly voluntary action on the part of an individual. That voluntary action is made with the full knowledge that they are going to be under much stricter control of the government, based on its needs and current activities. An individual enrollee has some control as to career choices and skills learned. In exchange for that training, a fair amount of other individual choices and freedoms are suspended, ALL of which are restored after completion of service.
    With this ACA, there was no termination of relationship available.

  • Crowe

    Since the Dems saw fit to jam the takeover of the student loans system into Obamacare, I’m assuming that part was tossed out also. Is that correct?

  • jenniferjmilleresq

    unconstitiutional (illegal) is enforceable by the plaintiffs, with our without an injunction. I would argue that unless the federal government gets an appellate stay of the matter until the S.Ct. rules, the federal government can be sued for acting under the HCRA. I assume that the matter will be expedited to the S.Ct. to the point where it won’t come up.

  • seisner01

    So ? what everyone (including the current administration) has known would happen, has happened … now what?

    Let’s conjecture how this will come down … the Individual Mandate is struck down, so no one will be forced to buy personal health insurance. However, no one can be turned down for personal health insurance either. As a result, a young, reasonably healthy individual might easily opt-out of buying it, secure in the knowledge that if they need it, they can sign up for it on their laptop in the parking lot of any hospital, walk in, have major surgery (covered by their new policy), recover, walk out of the hospital and then cancel their insurance.

    Let’s look at some facts: At any given time, 5% of those covered by any health insurance account for roughly 2/3 of the cost of health care. The only way that the system can work is if the other 95% of relatively healthy people are paying into the system. However, without the individual mandate and without the ability for insurance companies to reject individuals based upon pre-existing conditions, healthy people are likely to opt-out in droves, as described above. This will render the cost of health insurance premiums through the roof. Insurance companies will begin to realize that they cannot profit from health insurance, and will stop offering it. People will be left without any health insurance.

    The federal government will (ok … this part is conjecture) “pick up the slack” by creating an entity to cover those individuals left without a carrier … other insurance companies will not be able to compete with this entity (funded by you and I through our tax dollars), and will subsequently drop out of the marketplace. Ultimately, we will be left with a single-payor system … i.e. the “Public Option”… just what Obama and the liberals wanted in the first place!

    Coincidence? Why do you think Obama went out of his way to insult a sitting Supreme Court Chief Justice last year?

  • bobtx

    I think we all know how Reagan would have felt about an overreach like Obamacare. Given this was a Reagan appointee, I feel that Reagan has spoke from the grave and I always loved the way Reagan talked!

  • dudette

    will halt implementation of the bill per Vinson’s word there is no need for an injunction. That will take some brass. Love to see some AG/governors actually do that-might start a domino effect.

  • caboose

    The federal government does not have a carte blanc to force the States to abide by a law, that the States consider unconstitutional. When a problem like the unconstitutional Obamacare is in question, Art III, sec. 2, of the US constitution must be complied with. That is, the case must go directly to the US Supreme Court,since, ” those (cases) in which a State shall be party,the Supreme Court shall have original jurisdiction.” In other words they don,t need the Obama administration to approve before it is taken to the SC. In addition, the commerce clause in not applicable to this case, because Health insurance cannot be purchased across State lines by existing laws. I suspect that 95% of the laws written into law by the US Congress and approved by the POTUS is unconstitutional. As Robert Bork has indicated, a judicial review is needed in each state to determine if all court decisions and legislation by the US Government is constitutional. The US Government’s take over of Healthcare, and seizing power from the States is pure dictatorial.

  • kpbenware

    Social Security tax is withheld from your paycheck, and the amount withheld is based on your income, up to $70k/year. That’s the first half- the second half is in matching funds that are required to be paid by your employer. The same is true with Medicare taxes. Payouts (Benefits) through Social Security are based on what you paid into the system (basically), with more people paying in, than are receiving benefits.

    The individual mandate to purchase health insurance has NO comparison to this. You will have to purchase health insurance out of pocket, your payments will not be based on a percentage of income, and your employer will not be paying half of the premiums for you. On top of that, benefits will not be restricted to individuals reaching a certain age.

    To quote judge Vinson:
    “?I note that in 2008, then-Senator Obama supported a health care reform proposal that did not include an individual mandate because he was at that time strongly opposed to the idea, stating that, ?If a mandate was the solution, we can try that to solve homelessness by mandating everybody to buy a house,??”

    Social Security is not a forced purchase of a product, health insurance is a product. To make it the same thing, perhaps we should just mandate that people never get old or sick.

  • jeffreywturner

    The government has been presumed to have the power to force you to participate in SS because your contributions are a “tax” paid to the government rather than a fee paid for a private good, and the benefit you receive when you retire is an “entitlement” from the government rather than a good or service provided by a private company.

    The Constitutional problem with Obamacare is that the government is forcing you to buy a private good from a private company. If that is allowed to stand, then they could force you to buy a car from GM, or a shirt from the GAP or whatever they choose.

  • Common_Cents
  • itrytobenice

    SS is a tax and redistribution of income. And even though I strongly disapprove of that function, it is legitimately given to the Feds through the 16th amendment.

    It would have similar to private accounts, however, as Uncle Sammy would have been requiring us to do something with our money (as in take it away from us for the use we determine and use it to purchase an investment of some kind or another) besides give it to him in a tax scheme. If the lefties had let us have those, they might have been able to get the door propped open enough to slip this boondoggle through.

  • itrytobenice

    was that the left would like to control the civilian population as much as the military is controlled today.

    And of course, the reason we protest, is that there are very good reasons for control in the military, but control over the rest of us is evil. As in Mao, Lenin, Stalin, Pol Pot evil. Because that’s the way leftists always end up asserting their control: by killing those who won’t yield.

  • itrytobenice

    Kelo.

  • http://www.gopmall.com janesmoote

    That’s a good comparison and now I wonder that too.

  • itrytobenice

    I think you meant to reply to CharlieinFlorida above.

  • johnt

    Buying a can of beans might be considered subject to mandate, making the buyer a party to the Commerce Clause.
    A sensible judge could easily say that power & control must be limited somewhere, a basic constitutional idea, he might even hurt frustrated LittleLiberals by citing Privacy, that most holy.
    The part that must hurt the low life’s in the WH is Vinson’s beautiful quote taken from Obama.

  • MF

    She most definitely should, but there’s no way she will. She will make up some claim that she can set aside her role in order to rule fairly, or some other such nonsense. Bank on it! :-( I see no sign of integrity from her – she is 100% idealogically driven.

  • MF

    She most definitely should, but there’s no way she will. She will make up some claim that she can set aside her role in order to rule fairly, or some other such nonsense. Bank on it! :-( I see no sign of integrity from her – she is 100% idealogically driven.

  • http://www.va5thdistrict.blogspot.com va5thdistrict

    lower courts do not have Constitutional jurisdiction over this lawsuit.
    Article lll. Section .2. Paragraph 2.? In all cases affecting Ambassadors, other Public Ministers and Consuls, and those in which a state shall be party, the Supreme Court shall have original jurisdiction. In all other cases before mentioned the Supreme Court shall have appellate jurisdiction??

    According to the Constitution this lawsuit should have been taken directly to the Supreme Court, where it is going to end up anyway.

    http://www.vadistrict5.com/2011/02/lower-court-health-care-rulings.html

  • kevhead62

    so that would include any and all embedded legislation.

  • danielbdp

    This just in from AmericanGrassrootsCoalition.org

    Mitch McConnell is bringing the Repeal vote to the Senate floor today! He is doing this by offering the language in an amendment.

    We need to pressure the four Democrats below to vote for Repeal. Harry Reid wants this over with asap. It is possible that the vote will happen today.

    Time again to call, fax and e-mail your senators, and the four below in particular:

    Ben Nelson (NE)
    Phone: 202-224-6551
    Fax: 202-228-0012

    Jon Tester (MT)
    Phone: 202-224-2644
    Fax: 202-224-8594

    Joe Manchin (WV) Let’s see if he stands behind his campaign ad!
    Phone: 202-224-3954
    Fax: 202-228-0002

    Claire McCaskill (MO)
    Phone: 202-224-6154
    Fax: 202-228-6326

  • danielbdp

    This just in from AmericanGrassrootsCoalition.org

    Mitch McConnell is bringing the Repeal vote to the Senate floor today! He is doing this by offering the language in an amendment.

    We need to pressure the four Democrats below to vote for Repeal. Harry Reid wants this over with asap. It is possible that the vote will happen today.

    Time again to call, fax and e-mail your senators, and the four below in particular:

    Ben Nelson (NE)
    Phone: 202-224-6551
    Fax: 202-228-0012

    Jon Tester (MT)
    Phone: 202-224-2644
    Fax: 202-224-8594

    Joe Manchin (WV) Let’s see if he stands behind his campaign ad!
    Phone: 202-224-3954
    Fax: 202-228-0002

    Claire McCaskill (MO)
    Phone: 202-224-6154
    Fax: 202-228-6326

  • ihateliberals

    is still stacking the Supreme court. By the time this gets to the High Court it will be controlled by Obama or at least he thinks and counting on it to be.

    Congress uses this approach to laws: Throw the Krap on the wall and see what sticks. They don’t care what the law is they just know that they have to justify their existence much like a Professor at a university “Publish or Perish”. This isn’t a very good or efficient way of doing business.

  • uselogic

    crafting those dozens of scholarly treatises for the Hah-vahd Law Review.

    Snark.. who, me?

  • uselogic

    crafting those dozens of scholarly treatises for the Hah-vahd Law Review.

    Snark.. who, me?

  • rubicon01

    For me, I believe without a shadow of a doubt that ObamaCare is unconstitutional. I concur & believe Judge Vinson’s ruling will be the key case that guides the Supreme Court as it reviews this legislation & subsequently rules it unconstitutional, once the case gets to that court. Now that we have a serious and extremely well documented & justified court ruling declaring the legislation unconstitutional, what I fear most, is the congress and the concept of bi-partisanship or compromise that Democrats are now all too eager to embrace.
    My point is, Judge Vinson dealt the legislation the ultimate death blow. (Please forgive my reference to violent rhetoric… I do not mean for this to look at all violent). The judge ruled that not only did he determine the legislation was unconstitutional, he also said that based on the deliberate decision of congress to take a severability clause out of the legislation just before its passage, congress determined they absolutely wanted the law to stand on all of its merits or to fall if any part of the legislation was declared unconstitutional. Congress knew when they removed that clause that if a court ruled ANY part of the legislation unconstitutional, then ALL of the legislation was unconstitutional and that meant the entire law was unconstitutional, and therefore, void! Congress acted deliberately so they knew what they were doing & what effect a negative ruling would have on the law.
    So…. why are there a few Republicans now trying to come up with a compromise deal with Democrats? Any compromise may permit Democrats to go back to court with a revised law, and declare it a totally NEW law. If they do that, they could get away with almost everything they wanted to do in the first place. In short, they will have snatched success from the jaws of defeat! And softy Republicans, always ready to make a deal that shows their ability to compromise & look statesmanlike, will have snatched up defeat & embraced it by allowing Democrats a backdoor means to reinvigorate or reinvent the legislation.
    We need Republicans, or perhaps more accurately Rino’s, to stop trying to “make a deal.” Their ‘deal’ could cause us to get stuck w/ this despicable legislation, with only minor revisions, yet still chock full of the cancerous yuck that’s already in the original bill. Make no deals. Let the court ruling be taken to the next level & the next & the next until it reaches the Supreme Court and they finally rule on the legislation that was passed & signed into law. It is that bill we want to be dumped. Any compromise might just get Democrats exactly what they wanted all along, even though we now have the means to put an end to this socialist grab.
    Tell Republicans to shut up & let the courts rule on this. But, make no COMPROMISE deals. D-fund, yes. Make revisions, Absolutely NO!!

  • rubicon01

    Sorry, I meant to say repeal would be just fine. What I fear is compromise. Seems every time we do that, we get the short end of the stick. We always end up giving a lot more than we get & in this case, a deal may breath life back into what should be dead legislation. (Again with the unintended violent rhetorical reference. Sorry!)

  • johnhandel

    Follow up through the appeals process to the Supreme Court. If this decision gets upheld, the entire law gets tossed out.

    Technically, if the law lacks a severability clause, the declaration of any part of the law to be unconstitutional voids the entire law.

    In common practice (it seems), even if the law lacks a severability clause, the court will review the law for severability potential.

    That is where the two different rulings of unconstitutional will conflict. The former ruling tried to sever the individual mandate from the rest of the law, though that would make the law completely unsustainable and destroy at least one industry, maybe several. This ruling, however, notes that the individual mandate is so crucial to the law as a whole that any attempt to split the individual mandate out of the law leaves you with essentially nothing. (This judge recognizes the unsustainable nature of the law divided from the mandate.) So long as this ruling stands, the entire law will be struck, including all amendments.

    On a side note: My review of health insurance for my own needs has told me that, with few or no exceptions, absolutely everyone can get health insurance from one company or another. It just becomes a question of the cost. (I am starting to wonder about people supposedly ‘denied’ insurance, how much shopping about they did. Indeed, Blue Cross/Blue Shield cannot legally deny coverage to anyone. They can deny coverage of pre-existing conditions (explained to me as primarily anything for which you are currently or recently treated, unless you are presently covered by insurance), but they cannot refuse to cover you. If you have insurance already covering your condition and you move to them, they cannot deny coverage, except for the discrete time of an insurance transfer window of X days. Your condition, as with any insurance company, may impact your premiums, but it cannot impact your ability to get a health policy.

  • johnhandel

    that pointed out the detail that since health insurance cannot be purchased across state lines, there is no interstate commerce here for the Congress to regulate under the commerce clause.

    That is almost as good as the detail that the government cannot regulate an inactivity, nor can they mandate activity. They can only regulate activity once people have decided to be active.

    Just one more reason the law should be struck from the books.

  • gekster

    One of the problems with health insurance is lack of competition from out of state insurers.
    Why congress didn’t pick up on this in the beginning is anyones guess.