California v. Texas and What It Means for New Yorkers
By: Christina Klonis
The Affordable Care Act (ACA) has been highly contested since the bill’s origins in 2009. Congress has attempted to repeal the act over 70 times, and now yet again it is being brought to debate. The Supreme Court is currently discussing California v. Texas, which is mainly a debate over the mandate fee for not obtaining health insurance.
What does the ACA entail?
The Affordable Care Act was proposed by the Obama administration, and has changed the United States healthcare system since. Its main goals are to expand the Medicaid program to cover adults in every state under 138% of the poverty level, support medical care delivery methods, and increase the availability of affordable health insurance, using methods like subsidies for lower income families. You can access it in its entirety here.
What does this mean for NY?
New Yorkers have implemented and benefited greatly from the ACA. As of 2019, the state was at the lowest recorded uninsured rate, with over 95% of New Yorkers being insured. The prospect of the ACA being striked down is very dangerous to the empire state. It is estimated that 3.2 million New Yorkers would lose their insurance coverage, and the state would lose about $10 million of federal funding. The Essential Plan in New York State, which offers a $20 per month plan to cover essentials, would also be put to an end. After the first wave of COVID-19 in the US, the ACA has proved to be more essential than ever. With a large number of workers losing their jobs, and 57% of New Yorkers having employer based coverage, it is vital that there are plans to cover these patients.
What changes could we see?
President-elect Biden has promised to expand and protect the ACA, and introduce a public healthcare option. Biden also wants to lower the age minimum for Medicare, and increase federal subsidies to help more afford private insurance. His goal seems to be to include a well priced, quality option for everyone. This is a great goal, but has one major flaw that we currently see in our system; it excludes undocumented immigrants, who may occupy about half of the uninsured population in New York. Most of the time, undocument immigrants cannot participate in programs like Medicaid, and are often unable to purchase insurance due to exchanges set under the ACA. New York has made progress in this, allowing Medicaid eligibility through Deferred Action for Childhood Arrivals (DACA), but there is still a long way to go.
What’s the consensus?
This case probably won’t be decided for about another year, but after oral arguments in the Supreme Court on November 10, 2020, it was predicted that the ACA will prevail. Legal scholars say although there is a chance they will deem the mandate that everyone must have health insurance unconstitutional, the courts would like to resolve the ACA as constitutional and end debates once and for all.
Sources:
https://medium.com/@davidsandman/what-saving-the-aca-could-mean-for-new-york-e258213b109
https://nyshealthfoundation.org/2016/05/23/the-american-dream-of-health-insurance-coverage/
https://www.ehealthinsurance.com/resources/affordable-care-act/history-timeline-affordable-care-act-aca
https://www.scotusblog.com/2020/11/argument-analysis-aca-seems-likely-to-survive-but-on-what-ground/












