CLANCY: Burn your Obamacare card

A nationwide ‘draft resistance’ could defeat compulsory coverage

Question of the Day

What has been the biggest debacle on Obama's watch?

View results

Let’s all burn our “Obamacare” cards.

Last week, the Obama administration was forced by industry pressure to delay the health care law’s employer mandate. It’s a sign the time is ripe for Americans to rise up and exert popular pressure to delay the law’s other major mandate: the one on them as individuals.

SEE ALSO: PRUDEN: Obamacare called ‘The fiasco for the ages’

Starting six months from now, the individual mandate will take effect. Most Americans will be required to show proof of “acceptable” insurance coverage, as defined by Washington — in effect, a health care draft card.

Like compulsory military service, the health care draft will conscript private citizens to carry out a national goal dictated by Washington, and the burden will fall especially hard on young people.

Why a “draft”? Supposedly, it’s to help the uninsured, but this makes little sense. There are less coercive, less expensive ways to help the uninsured — for example, by reducing distorting subsidies and red tape.

With the new system’s top-down, centralized approach, there will be higher costs, longer wait times, and incentives for doctors and hospitals to scrimp on care. The “health care draft” is unjust, unnecessary and harmful to our health.

It also happens to be the system’s linchpin. Without premium payments by millions of young adults under 40, Obamacare can’t work. Younger Americans make up the bulk of the uninsured today because health insurance simply costs too much relative to their needs. If they don’t obey the mandate, premiums will be higher than expected in the new government “exchanges,” people will be driven away, and a vicious cycle will set in, ending in the scheme’s failure.

This suggests an opportunity. If all of us, especially millennials, were to become health care draft resisters, we could hasten Obamacare’s inevitable collapse and pave the way for a patient-centered system.

SEE ALSO: House GOP leaders want to put Democrats on the spot via Obamacare

It’s not against the law to ignore the mandate or to buy coverage that doesn’t fully conform to the law’s myriad micromanaging rules. That’s right, we can resist the draft in good conscience, without risking jail time or significant fines.

Under Section 1501 of the Patient Protection and Affordable Care Act, we’re required to certify on our yearly tax return whether we have “acceptable” coverage. However, the Internal Revenue Service is forbidden to use any penalty to enforce the mandate, except for a user-fee payment, which the IRS can only collect at the end of the year out of any tax refund we may be owed. This means we can simply sidestep the fee by carefully adjusting our withholdings to avoid being owed a refund. As for the amount, it’s comparatively small: in 2014, just $95, or 1 percent of income, whichever is greater, rising to $695 or 2.5 percent of income in 2016 and thereafter. It’s a pittance compared to the cost of compliance.

So what, then, does “burning one’s Obamacare card” mean? It means this: If you’re uninsured — stay uninsured. If you can afford to become uninsured — do so. After all, you can sign up for coverage after you get sick, thanks to the new law.

Not comfortable with being uninsured? No worries. You can still take a bold stand and preserve your freedom by taking the four steps I call “peaceful non-compliance”:

1) Go outside of the “exchange” and buy a high-quality, high-deductible health plan that meets your needs.

2) Pay cash for routine medical expenses.

3) Open a Health Savings Account, which allows you to pay for care with pre-tax dollars (and if you can, make the maximum allowable contribution each year).

Story Continues →

View Entire Story
blog comments powered by Disqus
TWT Video Picks
You Might Also Like
  • Maureen McDonnell looks on as her husband, former Virginia Gov. Bob McDonnell, made a statement on Tuesday after the couple was indicted on corruption charges. (associated press)

    PRUDEN: Where have the big-time grifters gone?

  • This photo taken Jan. 9, 2014,  shows New Jersey Gov. Chris Christie gesturing as he answers a question during a news conference  at the Statehouse in Trenton.  Christie will propose extending the public school calendar and lengthening the school day in a speech he hopes will help him rebound from an apparent political payback scheme orchestrated by key aides. The early front-runner for the 2016 Republican presidential nomination will make a case Tuesday Jan. 14, 2014, that children who spend more time in school graduate better prepared academically, according to excerpts of his State of the State address obtained by The Associated Press. (AP Photo/Mel Evans)

    BRUCE: Bombastic arrogance or humble determination? Chris Christie’s choice

  • ** FILE ** Secretary of State Hillary Rodham testifies on Capitol Hill in Washington, Wednesday, Jan. 23, 2013, before the Senate Foreign Relations Committee hearing on the deadly September attack on the U.S. diplomatic mission in Benghazi, Libya, that killed Ambassador J. Chris Stevens and three other Americans. (AP Photo/Pablo Martinez Monsivais, File)

    PRUDEN: The question to haunt the West

  • Get Breaking Alerts