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Court weighs making health coverage a fact of life

WASHINGTON (AP) — Death, taxes and now health insurance? Having a medical plan or else paying a fine is about to become another certainty of American life, unless the Supreme Court says no.

People are split over the wisdom of President Barack Obama's health care overhaul, but they are nearly united against its requirement that everybody have insurance. The mandate is intensely unpopular even though more than 8 in 10 people in the United States already are covered by workplace plans or government programs such as Medicare. When the insurance obligation kicks in, not even two years from now, most people won't need to worry or buy anything new.

Nonetheless, Americans don't like being told how to spend their money, not even if it would help solve the problem of the nation's more than 50 million uninsured.

Can the government really tell us what to buy?

Federal judges have come down on both sides of the question, leaving it to the Supreme Court to sort out. The justices are allotting an unusually long period, six hours over three days, beginning March 26, to hear arguments challenging the law's constitutionality.

Their ruling, expected in June, is shaping up as a historic moment in the century-long quest by reformers to provide affordable health care for all.

Many critics and supporters alike see the insurance requirement as the linchpin of Obama's health care law: Take away the mandate and the wheels fall off.

Politically it was a wobbly construction from the start. It seems half of Washington has flip-flopped over mandating insurance.

One critic dismissed the idea this way: "If things were that easy, I could mandate everybody to buy a house and that would solve the problem of homelessness." That was Obama as a presidential candidate, who was against health insurance mandates before he was for them.

Once elected, Obama decided a mandate could work as part of a plan that helps keep premiums down and assists those who can't afford them.

To hear Republicans rail against this attack on personal freedom, you'd never know the idea came from them.

Its model was a Massachusetts law signed in 2006 by Mitt Romney, now the front-runner of the Republican presidential race, when he was governor. Another GOP hopeful, former House Speaker Newt Gingrich, supported a mandate on individuals as an alternative to President Bill Clinton's health care proposal, which put the burden on employers.

All four GOP presidential candidates now promise to repeal the Affordable Care Act, which they call "Obamacare." Former Pennsylvania Sen. Rick Santorum calls it "the death knell for freedom."

So much for compromise.

Obama and congressional Democrats pushed the mandate through in 2010, without Republican support, in hopes of creating a fair system that ensures everyone, rich or poor, young or old, can get the health care they need. Other economically advanced countries have done it.

Doing nothing is more expensive than most people realize.

Congress found that when the uninsured go to clinics and emergency rooms, the care they can't pay for costs nearly $75 billion a year. Much of that cost is passed along and ends up adding $1,000 a year to the average family's insurance premium.

The overhaul is neither the liberal dream of a single government program supported by taxes and covering everyone nor the conservative vision of stripping away federal rules and putting free enterprise in charge.

The Obama plan relies on private companies plus lots of regulation to make sure they provide basic benefits, keep premiums reasonable, and cover the sick as well as the healthy. That's where the mandate comes in. If insurers must cover everyone, even those with existing medical conditions, healthy people have little incentive to sign up before they get sick.

Insurance companies argue that if only the sick sign up, insurers will go broke. So the law says everybody must have insurance for themselves and their children, or pay a penalty.

Also, because everyone needs health care sometime, if everyone purchases insurance, the price per person can be lower, with the cost of care spread out over many people.

After all, the government requires workers to pay Social Security and Medicare taxes, whether they want the benefits or not.

One argument for the insurance mandate is that the fines are just federal taxes by another name. Another is that it falls under the government's constitutional power to regulate commerce that crosses state borders.

State governments, of course, tell people to buy lots of things, including auto insurance or motorcycle helmets.

"You can always move to another state," said Tom O'Connor, a consultant in Fairfax, Va., who thinks the health care law overreaches. "It's a little more difficult to move to another country."

Many agree.

In an Associated Press-GfK poll, 85 percent said the U.S. government should not have the power to require people to buy health insurance. When the question is worded without the specific reference to federal power, acceptance of the mandate grows a bit, but 6 in 10 are still against it.

Even among those who generally support the health care overhaul, one-third said they are against the insurance mandate.

There's also a significant minority who sees mandates as a cop-out and prefer a government program that covers everyone, Medicare for all.

It's clear that many people do not understand what the law would do or how it would affect them.

Jan Gonzales, an out-of-work bookkeeper in Pablo, Mont., calls fining people for going without insurance "the most ridiculous, asinine thing you ever heard of."

"If I can't put food on the table for my children, how can I pay for health care coverage?" asks Gonzales, who's been without insurance for seven years. "What moron came up with that idea?"

Of course, she might qualify for the law's exemptions for those too poor to pay and for assistance for low-income people, as well as many in the middle class.

There also are some religious exemptions. .

Estimates vary widely of how many uninsured people will get insurance once it's required in January 2014.

About 4 million people would pay a penalty to the Internal Revenue Service for being uninsured in 2016, the Congressional Budget Office estimates.

By 2016, the fine reaches $695 per uninsured adult or 2.5 percent of family income, up to $12,500 per year. The IRS is in charge of the penalties but can't prosecute violators or place liens against them. Its only enforcement option may be withholding money from refunds.

That leaves insurance companies, who stand to gain lots of new customers, worried that people instead will shrug off the weak mandate.

Meanwhile, the state-federal Medicaid program will expand to cover more low-income people, and that's another issue before the Supreme Court, because many states say they cannot afford the extra cost.

___

Online:

Health care law: http://www.healthcare.gov

Supreme Court: http://www.supremecourt.gov/docket/PPAACA.aspx

___

Associated Press writer Stacy A. Anderson contributed to this report.

View the original article here

Court weighs making health coverage a fact of life

WASHINGTON (AP) — Death, taxes and now health insurance? Having a medical plan or else paying a fine is about to become another certainty of American life, unless the Supreme Court says no.

People are split over the wisdom of President Barack Obama's health care overhaul, but they are nearly united against its requirement that everybody have insurance. The mandate is intensely unpopular even though more than 8 in 10 people in the United States already are covered by workplace plans or government programs such as Medicare. When the insurance obligation kicks in, not even two years from now, most people won't need to worry or buy anything new.

Nonetheless, Americans don't like being told how to spend their money, not even if it would help solve the problem of the nation's more than 50 million uninsured.

Can the government really tell us what to buy?

Federal judges have come down on both sides of the question, leaving it to the Supreme Court to sort out. The justices are allotting an unusually long period, six hours over three days, beginning March 26, to hear arguments challenging the law's constitutionality.

Their ruling, expected in June, is shaping up as a historic moment in the century-long quest by reformers to provide affordable health care for all.

Many critics and supporters alike see the insurance requirement as the linchpin of Obama's health care law: Take away the mandate and the wheels fall off.

Politically it was a wobbly construction from the start. It seems half of Washington has flip-flopped over mandating insurance.

One critic dismissed the idea this way: "If things were that easy, I could mandate everybody to buy a house and that would solve the problem of homelessness." That was Obama as a presidential candidate, who was against health insurance mandates before he was for them.

Once elected, Obama decided a mandate could work as part of a plan that helps keep premiums down and assists those who can't afford them.

To hear Republicans rail against this attack on personal freedom, you'd never know the idea came from them.

Its model was a Massachusetts law signed in 2006 by Mitt Romney, now the front-runner of the Republican presidential race, when he was governor. Another GOP hopeful, former House Speaker Newt Gingrich, supported a mandate on individuals as an alternative to President Bill Clinton's health care proposal, which put the burden on employers.

All four GOP presidential candidates now promise to repeal the Affordable Care Act, which they call "Obamacare." Former Pennsylvania Sen. Rick Santorum calls it "the death knell for freedom."

So much for compromise.

Obama and congressional Democrats pushed the mandate through in 2010, without Republican support, in hopes of creating a fair system that ensures everyone, rich or poor, young or old, can get the health care they need. Other economically advanced countries have done it.

Doing nothing is more expensive than most people realize.

Congress found that when the uninsured go to clinics and emergency rooms, the care they can't pay for costs nearly $75 billion a year. Much of that cost is passed along and ends up adding $1,000 a year to the average family's insurance premium.

The overhaul is neither the liberal dream of a single government program supported by taxes and covering everyone nor the conservative vision of stripping away federal rules and putting free enterprise in charge.

The Obama plan relies on private companies plus lots of regulation to make sure they provide basic benefits, keep premiums reasonable, and cover the sick as well as the healthy. That's where the mandate comes in. If insurers must cover everyone, even those with existing medical conditions, healthy people have little incentive to sign up before they get sick.

Insurance companies argue that if only the sick sign up, insurers will go broke. So the law says everybody must have insurance for themselves and their children, or pay a penalty.

Also, because everyone needs health care sometime, if everyone purchases insurance, the price per person can be lower, with the cost of care spread out over many people.

After all, the government requires workers to pay Social Security and Medicare taxes, whether they want the benefits or not.

One argument for the insurance mandate is that the fines are just federal taxes by another name. Another is that it falls under the government's constitutional power to regulate commerce that crosses state borders.

State governments, of course, tell people to buy lots of things, including auto insurance or motorcycle helmets.

"You can always move to another state," said Tom O'Connor, a consultant in Fairfax, Va., who thinks the health care law overreaches. "It's a little more difficult to move to another country."

Many agree.

In an Associated Press-GfK poll, 85 percent said the U.S. government should not have the power to require people to buy health insurance. When the question is worded without the specific reference to federal power, acceptance of the mandate grows a bit, but 6 in 10 are still against it.

Even among those who generally support the health care overhaul, one-third said they are against the insurance mandate.

There's also a significant minority who sees mandates as a cop-out and prefer a government program that covers everyone, Medicare for all.

It's clear that many people do not understand what the law would do or how it would affect them.

Jan Gonzales, an out-of-work bookkeeper in Pablo, Mont., calls fining people for going without insurance "the most ridiculous, asinine thing you ever heard of."

"If I can't put food on the table for my children, how can I pay for health care coverage?" asks Gonzales, who's been without insurance for seven years. "What moron came up with that idea?"

Of course, she might qualify for the law's exemptions for those too poor to pay and for assistance for low-income people, as well as many in the middle class.

There also are some religious exemptions. .

Estimates vary widely of how many uninsured people will get insurance once it's required in January 2014.

About 4 million people would pay a penalty to the Internal Revenue Service for being uninsured in 2016, the Congressional Budget Office estimates.

By 2016, the fine reaches $695 per uninsured adult or 2.5 percent of family income, up to $12,500 per year. The IRS is in charge of the penalties but can't prosecute violators or place liens against them. Its only enforcement option may be withholding money from refunds.

That leaves insurance companies, who stand to gain lots of new customers, worried that people instead will shrug off the weak mandate.

Meanwhile, the state-federal Medicaid program will expand to cover more low-income people, and that's another issue before the Supreme Court, because many states say they cannot afford the extra cost.

___

Online:

Health care law: http://www.healthcare.gov

Supreme Court: http://www.supremecourt.gov/docket/PPAACA.aspx

___

Associated Press writer Stacy A. Anderson contributed to this report.

View the original article here

Personal Trainer Says: Your Mirror Is Making You Fat

Article Directory :: Health & Fitness Articles

Hey there,

Last week in my boot camp, someone mentioned -I can't remember who now, but they commented on how fat they looked. Of course, my initial reaction was, "You're crazy!" -and I say this because I know that NO ONE in my class is overweight, they just haven't reached the level of superhero-dom YET!

But then, something strange happened?as I looked closer at the studio mirrors I noticed that I looked fat, in fact everyone in the studio looked larger than they actually were. That's when it hit me that the mirrors were all like in those funny distorted mirrors at theme parks. When you're a kid those mirrors mucked about our view of anything we put in front of them.

They made us look tall or short or fat or thin, and it was hella fun because we knew it was a trick. In your 20's, 30's and 40's the jig is up and it's not so funny anymore.

It really got me thinking that most of us have these completely messed up images of ourselves in our heads, and these thoughts quickly become what we believe to be true. If the "fat mirror" in your head makes you look fat, then it must be true.

Want to see a quick example. Turn to someone you know and tell them, "You look great, have you lost some weight?" Almost instinctively, they will shudder and say either "Are you kidding, I need to lose x amount more," or "You really think so?"It doesn't matter how much weight you lose, or how many people tell you how good you look. The only thing that reflects back from your fat mirror is, you guessed it "I'm fat."

Anybody want to buy a "Skinny Mirror?" Of course you do, who wouldn't! First things first, you need to give the old heave ho to the "Fat Mirror." You need to get rid of all the "I'm fat" or "I'm never going to lose this weight" or "Who do I think I am, I can't lose that much weight" toxic waste running through our head?

Your thoughts may not make you fat, but they sure as hell want to keep you there.If your thought is "I'm fat," than it's also true that YOU can BE SKINNY? Probably, right? What if you gave yourself permission to be who you want to be? What if you tried to replace that little nagging voice with something less intimidating like, "I can do just a minute of this." Why not? What do you have to lose?

I know this is some freaky new age mumbo, and it totally feels like swimming naked hoping you don't get caught. It's a small thing really, you don't have to try to and paint a whole picture today, all I'm saying is maybe you can try a different canvas and start fresh!

This week I challenge you to go ahead and accept yourself just the way you are?Yep, that means love the rolls, the muffin top, the buddha belly all of your perfect self.

For one whole week, take out a sticky note and right on it some of these positive affirmations below. That's it! Stick it on your bathroom mirror and repeat them brushing your teeth, trying on your new skirt, whatever.

*I'm am my perfect self
*I am thinner today
* I look major hot today
* Losing weight is so easy for me
* My ass looks fantastic
* I am losing weight slowly but surely
* I'm fine like a ticket on a dash
* I am on the road to great health and a great looking body
* I am proud of myself for not getting the skinny tall latte with a shot of hazelnut today
* I love how I feel after running
* I love the feeling of being slim and sexy
* I am ready to be thin again
* It feels so good to have a toned body and healthy body
* I have tons of energy to work out
* My health is extremely important to me
* Taking care of myself gives me great confidence
* I am committed to doing what it takes to become slim and healthy
* I deserve to be healthy in body and in mind
* The best form of self love I can give myself is exercise
* I enjoy life when I am in good shape

Because skinny women and guys built like Mike "The Situation" are seen as the ideal in our society and because we have come to believe that body size and shape are totally under a person's control, most people enter diet and exercise programs with the bar set so high that you set yourself to fail from the get-go. The whole lose 10 pounds in 2 days mentality. It just doesn't work.

If you continually strive to achieve Jennifer Lopez's butt, or Kim Kardashian sinewy curves, the problem is two-fold. One, you will never be free of your insecurities or your self-consciousness. Secondly, you are not those women. You're you!

The idea is that you pump some mental brain iron and act accordingly, then you can really look in the mirror and say "Yes, I'm skinny!" and mean it.

Hey, I really appreciate you taking the time to read this and it would mean the world to me if you could pass this on to your family and friends? I'm sure they'll appreciate it too.

My name is Karie Hamilton, and I'm Toronto's Fat Loss Queen! Be sure to visit my website and register for my FREE 5-day email fast fat loss course. Get Out-of-the-Box exercise tips from a Toronto Personal Trainer.

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