The way I see the individual mandate

[Honeycombe8]

13. I plugged in some hypotheticals at www.healthcare.gov & got some plans for you.

I made up a birth date for your mom of 1/1/80, and your birth date 1/1/93. You are male. Neither of you have used tobacco for the past year. No pre-existing conditions.

Then I clicked on "Show Me the Plan!" and got some proposed plans.

The cheapest one is about $128 and covers both you and your mother. It's by Humana. It's not a good plan, of course. It has high deductibles, etc., etc. I'm not sure it's even worth buying. But if she can go closer to $200 mo. for the two of you, you can get something that looks like this:

HumanaOne Enhanced HSA 100% Plan - $5,000 Single / $10,000 Family

Humana Health Benefit Plan of LA, Inc.


In-Network Out-of-
Pocket Limit:
Individual: $5,000.00
Family: $10,000.00

Doctor Choice:
PPO

Estimated Monthly Base Rate:
Estimated monthly base rate is $180.01 per month.

Annual Deductible: Individual: $5,000.00
Family: $10,000.00

Prescription Coverage: Yes

You may be charged more.
12% received surcharged quotes.

Annual Maximum Benefit:
Individual: No Maximum
Family: No Maximum

How many applications are denied?
22% who applied were turned down.

IF YOUR MOM CANNOT AFFORD A POLICY FOR THE TWO OF YOU, REST ASSURED THAT YOU AND SHE WILL BE ABLE TO GET HEALTH CARE SOME WAY. That's what Medicaid and the subsidies are expressly for. The mandate is for people who can afford ins. but choose not to get it.