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Copyright (c) 2010 Mississippi College Law Review
Mississippi College Law Review

ARTICLE: THE ARCHITECTURE OF CONTEMPORARY HEALTHCARE REFORM AND EFFECTIVE MARGINAL TAX RATES

2010

Mississippi College Law Review

29 Miss. C. L. Rev. 335

Author

Seth J. Chandler*

Excerpt



I. THE STORY
 
It is the year 2014. You are thirty-five years old with a wife and two kids, and you have recently graduated law school. You've set up a small criminal defense practice right here in Jackson, Mississippi. Last year, you earned $ 85,000. Not bad. But, there's a problem. Your wife developed a chronic medical condition a few years back that costs $ 30,000 per year on average. 1 You worry it could go higher if she has a bad year. Paying this amount has just about exhausted an inheritance she received from her mother. Until this year, you hadn't been able to get health insurance at a price you could afford, 2 particularly given those education loans you still have to pay off. 3 And you were concerned that in another year or so you'd be bankrupt. Who knows how your wife would get medical care after that.

But, things are looking up. Late in 2013, pursuant to section 1311(b) of the federal Patient Protection and Affordable Care Act (PPACA), 4 which, as amended, 5 became law in 2010, Mississippi created a "Health Benefit Exchange." 6 You can now buy a "silver plan" without pre-existing conditions or medical underwriting that affects your non-smoking family. 7 In many ways, it's been a great thing. Your gross premium is $ 8,722, 8 but because you're not really wealthy, you get a $ 647 tax credit. 9 So, the net cost is $ 8,075, which you find you ...
 
 
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