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Who the Health Ruling Impacts Most

The Supreme Court’s decision to uphold the key provisions of President Obama’s Affordable Care Act will benefit two groups the most, experts say: older Americans and the self-employed.

Monkey Business Images / Shutterstock.com

The court found the individual mandate, the requirement that all Americans purchase health insurance, is constitutional. Signed into law two years ago, the sweeping reform is expected to give 30 million more Americans access to health insurance by 2014, making preventative care available to many who in the past avoided seeking treatment until absolutely necessary. It also requires insurers to give people free access to blood pressure, cancer, diabetes and cholesterol tests. “This is the biggest change in health care in this country in a generation,” says Susan Nash, a partner in the law firm McDermott, Will & Emery.

That said, the law will impact certain groups more than others. Younger and healthier Americans who have had cheaper premiums and higher deductibles will be forced to pay more, while the expansion of Medicaid will benefit poorer and sicker Americans who couldn’t afford health care until now, says Wendell Potter, former vice-president of corporate communications at Cigna. Of course, even experts say it’s unclear how quickly some of these changes will take hold; for example, some question whether all states will be able to roll out online “exchanges” designed to allow people to shop for individual insurance plan by 2014.

Some things may not change much at all. With or without Obamacare, most analysts say that health insurance premiums will continue to rise. “Consolidation within the industry means that people will have less choice,” says Alex Morozov, a senior health care analyst at Morningstar. In fact, the two largest insurance companies have a 70% market share in nearly half the 50 states, according to the American Medical Association. In 54% of metropolitan markets, at least one insurer had a market share of 50% or more, the report found.

Here are some  of the likely consequences of the court’s decision for five key groups – and what might have happened had the decision gone the other way:

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      It makes sense to Them on the Hill, why? because they make tons of money

    • obama and the supreme court can kiss my patootie. I can’t afford to buy their forced health care and darned sure can’t afford to pay their taxes..er. penalties..er mandates either. The government is sadly mistaken if they think they can draw more money out of me. my supply of money has dried up and withered away

    • The last sentence of this article. What does that mean? Does it mean that 30% of the 50-64 year olds spend 10% or more on health insurance? Or does that mean they spend exactly 10%? You need some more details here to make an argument one way or another.

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  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 16,351 +293 1.82%
Nasdaq
/quotes/zigman/12633936/realtime 4,750 +114 2.46%
S&P 500
/quotes/zigman/3870025/realtime 1,949 +35 1.83%
GlobalDow
/quotes/zigman/629063/realtime 2,320 +7 0.31%
Gold
/quotes/zigman/662444/delayed 1,123 -11 0.95%
Oil
/quotes/zigman/2331095/delayed 46.13 -0.12 0.26%
FTSE 100
/quotes/zigman/3173262/delayed 6,189 +106 1.73%
DAX
/quotes/zigman/2380246/delayed 10,279 +231 2.30%
CAC 40
/quotes/zigman/3173214/delayed 4,623 +68 1.49%
FTSE MIB
/quotes/zigman/1482176/delayed 21,997 +385 1.78%
IBEX 35
/quotes/zigman/2759620/delayed 10,015 +77 0.77%
Stoxx 600
/quotes/zigman/2380150/delayed 360 +7 1.86%
Asia Dow
/quotes/zigman/6959860/realtime 2,712 +8 0.31%
Nikkei 225
/quotes/zigman/5986735/delayed 18,182 +87 0.48%
Hang Seng
/quotes/zigman/2622475/delayed 20,935 -250 1.18%
Shanghai
/quotes/zigman/1859015/delayed 3,160 -6 0.20%
Sensex
/quotes/zigman/1652085/delayed 25,765 +311 1.22%
Singapore
/quotes/zigman/1709939/delayed 2,906 +28 0.98%
Euro
/quotes/zigman/16008136/realtime/sampled 1.11 -0.01 0.82%
Yen
/quotes/zigman/16008150/realtime/sampled 120.22 -0.11 0.09%
Pound
/quotes/zigman/16008140/realtime/sampled 1.53 0.00 0.14%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.70 0.00 0.36%
DXY Index
/quotes/zigman/1652083/delayed 96.27 +0.29 0.30%
WSJ $ Idx
/quotes/zigman/41508961/realtime 88.88 +0.33 0.37%
U.S. 10yr
/quotes/zigman/15866666/realtime 2.16 -0.03 1.25%
German 10y
/quotes/zigman/15866409/realtime 0.74 -0.04 5.04%
Italy 10yr
/quotes/zigman/15866497/realtime 1.93 -0.07 3.42%
Spain 10yr
/quotes/zigman/15866444/realtime 2.09 -0.06 2.80%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.80 -0.02 1.15%
Japan 10yr
/quotes/zigman/15866525/realtime 0.40 +0.00 0.13%
Crude Oil
/quotes/zigman/2331095/delayed 46 0 0.26%
Gold
/quotes/zigman/662444/delayed 1,123 -11 0.95%
Corn
/quotes/zigman/7599553/delayed 365 -3 0.82%
DJIA F
/quotes/zigman/38649152/delayed 16,447 +117 0.72%
S&P F
/quotes/zigman/30356461/delayed 1,960 +13 0.66%
Silver
/quotes/zigman/3134148/delayed 15 0 0.56%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 89.89 2.66 3.05%
AAPL /quotes/zigman/68270/composite 112.34 4.62 4.29%
GOOG /quotes/zigman/30194416/composite 614.34 16.55 2.77%
BAC /quotes/zigman/190927/composite 15.85 0.32 2.06%
C /quotes/zigman/5065548/composite 51.75 0.81 1.59%
F /quotes/zigman/264304/composite 13.87 0.15 1.09%
T /quotes/zigman/398198/composite 32.82 0.50 1.55%
BP /quotes/zigman/247026/composite 32.20 0.06 0.19%
GE /quotes/zigman/227468/composite 24.57 0.69 2.89%
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Rates »

5 yr CD
1.5%
2 yr CD
0.8%
1 yr CD
0.6%
MMA $10K+
0.3%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.62% 11.62% 11.53%
Business 12.85% 12.85% 12.85%
Student 13.14% 13.14% 13.14%
Balance Transfer 14.12% 14.12% 14.00%
Airline 15.10% 15.10% 15.15%
Reward 15.14% 15.14% 14.99%
Cash Back 15.27% 15.27% 15.26%
Instant Approval 18.00% 18.00% 17.93%
Bad Credit 22.73% 22.73% 22.48%
Source:CreditCards.com

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