As of right now, the current health care law requires insurance companies to provide same benefits to those who are diagnosed with pre-existing medical conditions. It is only a matter of time when the supreme court decides the fate of the health care law.

There are pros and cons to the dividing issue of passing this particular law. We know that the current health care system is unorganized and economically inefficient. There has to be a change in the U.S. health care system. However, potential running presidential candidate Mitt Romney believes that the proposed health care law is ‘unconstitutional’.

“This piece of legislation is bad policy, it’s bad for our health care, and I can tell you if I’m president I’m going to stop it in its tracks on day one.” – Mitt Romney (CNN)

How is the law unconstitutional? In the proposed law, there is an “individual mandate” clause which will require citizens to purchase health insurance if they are not already insured. However, only if this clause is approved, then the “guaranteed issue” clause is applicable. The “guaranteed issue” clause allows health coverages for pre-existing patients.

“If they were to strike down the individual mandate, I think guaranteed issue unfortunately would go away.” – Jessica Arons (Director of Women’s Health and Rights Progam at Center for American Progress) – (Fox News)

If this law is turned down, what happens next? “Health Care Reform and the Big ‘What If?‘” from Fox News lays out the potential events and the impact it could make if the law was struck.

“Health Law Ruling Won’t Alter Plans by Insurer” from the New York Times reports that UnitedHealth Group, one of the largest insurance companies, states that even if the health care law is dismissed, it will work with other insurers to help cover pre-existing patients.

“But UnitedHealth emphasized it could not take that step alone, and insurers have long argued that they are able to offer this kind of coverage only if other insurers shared in the cost.” – NYTimes (Reporter Reed Abelson)

It is important to understand the current health care system as well as the proposed health care law. It could be the future health care system or it may not, in which then the American people should advocate for a better system.

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