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    Posted March 12, 2014 by

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    Okay…If You Can’t Afford Health Insurance through the Healthcare Exchanges Then You are Exempt from the Individual Mandate Through the “Hardship” Waiver?


    From The White House Website:


    Title I. Quality, Affordable Health Care for All Americans
    "Hardship" Waiver


    Individuals and families are eligible for a waiver from the requirement to purchase health insurance if coverage is unaffordable – if premiums exceed 8 percent of income.

    In addition, exceptions are made for religious objectors, taxpayers with incomes below the tax-filing threshold ($9,350 for a single or $18,700 for a married couple in 2009), and Indian tribe members.


    Americans under the age of 30 and other Americans who are exempt from the requirement to purchase insurance are eligible for a low-cost catastrophic plan that covers serious illness and injury.





    I have a couple questions:
    How does this exemption accomplish the goal of helping poor people that were uninsured before get insured? This exemption seems to say that poor people are still out on their own when it comes to obtaining good quality health care insurance.


    Is it legal to provide yet another waiver without first running it through congress? Remember the big to do over the constitutionality of the individual mandate? If it is a tax and the congress has the power of the purse, shouldn't this come from them?

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