Guest Opinion: Andrew Delgado | Individual Mandate: Will No Penalties Make a Difference?

Published : Monday, November 5, 2018 | 4:34 PM

The individual mandate has been one of the key pillars of the Affordable Care Act (ACA) since its full implementation in October 2012. Requiring all people to have free or low-cost health insurance, ensures a healthy risk pool, which in turn helps to manage cost, affordability, and sustainability.

Due to the success of health insurance enrollment efforts in the San Gabriel Valley, almost 83% of individuals in the area now have some form of health insurance, which is greater than the Los Angeles County rate. ChapCare alone has enrolled over 8,000 individuals into public or private health insurance since the full implementation of the ACA in 2013.

Recently, the Trump administration unraveled the individual mandate requirement. This will have unintended consequences. The Congressional Budget Office (CBO) estimates that enrollment in the health insurance market will decrease by 3 million people across the U.S. in 2019. Without the mandate, many people may choose not to enroll, which will have a definite impact.

ChapCare would like to encourage people to keep their insurance and protect their individual health as well as the health of their families. No one can predict the onset of illness, and relying on luck and family history to carry you on its shoulders forever is a bad bet that could have far reaching penalties that most will find impossible to handle unless they have insurance. Insurance also helps to insure that people will get things like wellness checks, preventative health care, and maintenance of healthy habits and activities that will lead to richer lives.


Andrew Delgado is Social Media Coordinator at ChapCare Administrative Offices in Pasadena.








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