Supreme Court decision assures insurance access

supremecourt robertspic courtesysupremecourt 03272012The United States Supreme Court announced its decision upholding the tax subsidies provided to help low and middle income people purchase individual health insurance plans through a federal exchange, or health insurance marketplace, provided for in the Affordable Care Act. Chief Justice John Roberts wrote the majority opinion in the 6-to-3 decision.

The case focused on the creation of a federal health insurance exchange that provides access to a health insurance marketplace, and tax subsidies, for qualified individuals that reside in states that did not create their own state exchanges.

Affordable Care Act proponents said The Supreme Court made the right decision because Court focused on interpreting the intent of Congress, which was to create a health insurance marketplace for every eligible American, either through state exchanges or a federal exchange, and provide incentives for low and moderate income families to help make their insurance coverage more affordable.

Advocates say nationally, 85 percent of consumers who have used the exchanges to shop for health care coverage have qualified for subsidies to offset some of the cost of their individual health insurance policies. And in 37 states, those consumers have accessed those subsidies through the federal exchange in one form or another – in 19 states the exchange available to residents was provided through a partnership in which the state utilized the federal exchange but retained varying degrees of exchange management.

The Supreme Court avoided putting the nation’s health care system into chaos and protected the progress in providing affordable health insurance coverage for the millions of Americans who were uninsured prior to passage of the Affordable Care Act. More than 6.5 million Americans received tax credits.

July 29, 2015
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