Innovare may be Latin for innovate, but the values at Innovare Health Advocates are traditional: An “Old School” commitment to delivering “Healthcare the Way it Ought to Be.”
The Missouri-based health practice is run by Dr. Charles Willey, a staunch tea party conservative who’s been mentored by former Sen. Jim Talent, one of his patients. “I’ve personally, for a long time, been interested in politics,” he told a radio show in 2010, noting that he’d been leading efforts “to get doctors excited about resisting Obamacare.”
But Willey’s doing more than just resisting the health law these days — he’s become an active player in Halbig et al v. Sebelius, a lawsuit that threatens a key element in the Affordable Care Act: Whether the tax subsidies slated to help many Americans purchase coverage through many insurance exchanges are even legal under the ACA’s language.
(Innovare Health is one of the small businesses that has joined the suit.)
And the stakes are higher than most people realize, according to Michael Greve, a law professor at George Mason University.
“If the statute means what it says, Obamacare’s machinery simply doesn’t apply in half the country,” Greve contends.
“This is for all the marbles.”
Law’s Language a Sticking Point
Conservative scholars say it’s obvious in the text of the Affordable Care Act, right as rain. (Italics added by columnist.)
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Beginning in 2014, millions of Americans will discover that they qualify for subsidies designed to help them purchase their own health insurance. The aid will come in the form of tax credits, and many will be surprised by how generous they are.
Not only low-income, but moderate-income families earning up to 400 percent of the federal poverty level (FPL) – currently $44,680 for a single person and $92,200 for a family of four – will make the cut. Within that group, households bringing in less than 250 percent of the FPL ($27,925 for a single person, $57,625 for a family of four) also will be eligible for help with out-of-pocket costs.
If your boss offers benefits, you won’t qualify, unless …
If your employer offers health insurance you won’t be eligible for a tax credit – though there are two exceptions to this rule:
- If your share of the premium for your employer’s coverage would exceed 9.5 percent of your income, or
- If your boss offers a skimpy policy that pays for less than 60 percent of an average worker’s covered benefits, you will qualify for help.
If I qualify, how much will I receive?
The size of the tax credit depends on your income, your age, how many people are in your family, and where you live.