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GOP’s Challenge to Health Care Reform

Imagine for a moment a sudden outbreak of smallpox (weaponized smallpox, if your taste runs to Jack Bauer-style scenarios). Airborne, highly contagious, deadly, it has the capability of spreading across the country and beyond in weeks, if not contained with a program of vaccination–vaccination not for a few, but for everybody, as soon as possible. Easy To Insure ME has the answers

If Congress passed emergency authorization for the program, would you want a judge to block it? What if some citizens preferred not to be vaccinated? What if they promised Scout’s honor not to get smallpox, or if they did, not to give it anyone else?

Would you want the judge to halt the program on the grounds that not getting vaccinated was “inactivity,” and thus beyond Congress’s power over “to regulate commerce with foreign nations, and among the several states, and with the Indian Tribes?” Those who refused vaccination might act as reservoirs of the disease, and thus aff ect commerce. What if the judge conceded that point, but said Congress still couldn’t reach them because they weren’t voluntarily in the stream of commerce?

What if the judge blocked the program because Congress relied on private medical personnel to administer the vaccine? Congress could have created a program by which thousands of full-time federal employees would give the inoculations–that would be constitutional–but using non-employees made the program unconstitutional. Would that make sense?

While the disease spread, and hundreds or even thousands died, would you thank the judge for his fidelity to the pre-1937 vision of the Commerce Clause? Or would you think that, no matter what was written in the judge’s order, the irretrievable spread of the epidemic really had affected commerce and should have been stopped?

These reflections were spurred by the decision Monday in the case of Virginia v. Sebelius, the lawsuit brought by Ken Cuccine lli, Virginia’s right-wing zealot attorney general, to spare the uninsured of his state the indignity of government-funded health care. Judge Henry Hudson of the United States District Court for the Eastern District of Virginia agreed with Cuccinelli that the so-called “individual mandate” provision of the Act exceeds the Commerce Clause because it seeks to “compel an individual to involuntarily enter the stream of commerce by purchasing a commodity in the private market.”

For those of you scoring at home, currently it’s Affordable Health Care Act 2, right-wing opponents 1. Two federal district courts have upheld the program; Judge Hudson is the first district judge to hold against it. That’s neither here nor there–the final score will almost certainly be a best-of-nine championship series played here in Washington at the Supreme Court. But it does underline that the issues in the case are close. The weight of academic opinion so far supports the Act, but some of the very brightest (and perhaps not coincidentally most conservative) of my colleagues disagree.

Readers would do well to discount the importance of Judge Hudson’s decision, which is about as significant as an early NBA playoff game. And partisans might nurture the Christmas spirit by refraining either from the right-wing spike dance or the progressive chant of “You’re blind, ump!” These are hard issues; federal judges, by and large, don’t ask for these cases to land in their courtrooms. Having read the opinion, I see nothing in it to suggest that Judge Hudson is not doing his duty to construe the statute as he reads it, compare it with the Constitution as he understands it, and announce whether the two go together. His opinion was respectful to both sides and–in stark contrast to the intemperate earlier interim decision of Senior Judge Robert Vinson of a Florida district court–devoid of inflammatory rhetoric, jud icial triumphalism, or talk-radio style taunting. No one can seriously argue that the judge did not earn his salary.

I do think, however, that Judge Hudson’s opinion is wrong. Grievously wrong. Threat-to-the-nation-from-rampaging-smallpox wrong.

Here’s why I think so. The argument that “inactivity” is beyond the reach of the Commerce Clause sounds reasonable. That’s because, like most serious fallacies, it’s half true. Last summer, Sen. Tom Coburn asked Supreme Court nominee Elena Kagan whether Congress could require individuals to eat vegetables three times a day.

The cheeky Kagan responded, “Sounds like a dumb law.” And a law that requires eating vegetables (or joining a gym, or subscribing to a newspaper) really is a dumb law. There is no overarching national necessity behind it. It’s hard to imagine Congress claiming with a straight face that vegetable portions were an emergency, or that they needed to be regulated as part of a comprehens ive scheme.

That’s the answer to those who will shortly post below that “‘Professor Epps, if that is really what he is, clearly believes Congress can regulate all human activity.” (Good to see you guys again, by the way.) Congress can’t regulate everything; what it can regulate is everything that needs to be reached as part of a comprehensive scheme required by a necessity that affects the nation.

Health care is such a necessity. Before Republicans hit upon the argument that health care isn’t part of commerce, they harped for years on the dangers of regulating “one-sixth of the economy.” After years of debate (more than half a century in fact) and extensive fact-finding, Congress decided that health care could only be provided effectively through a nationwide program.

Ironically, Republican opponents concede that if Congress had passed a mandatory program funded by payroll and income taxes–a kind of Medicare for all ages–their challenge wou ld have no merit. (In case the supple Cuccinelli later decides to reverse field, I personally saw him say this on October 21, 2010, at the Washington Legal Foundation.) Those taxes would of course be no less compulsory than the “mandate.” But Congress’ partial reliance on the private market (which in other contexts Republicans rhapsodically defend) somehow guts the nation’s power to solve its health care problem.

Well, everybody’s got to have an argument, and the right has settled on this one. But conservatives should be careful what they wish for. Every constitutional decision is to be weighed not only (or even primarily) by the specific facts at issue, but by the potential mischief of the precedent that will be set. A decision voiding the health care act would strike at the heart of our nation’s ability to deal with situations like my smallpox hypothetical.

Wait a minute, you say, health care regulation isn’t like a smallpox epidemic. No? Certainly health care is a life-or-death issue for millions of Americans, including many who will be insured under the Act but will fall through the cracks in the current system. Who could seriously claim that the 50.7 million people who currently have no health care do not constitute an emergency?

A judge, to strike down the Act, must conclude that no reasonable Congress could have concluded that the situation needed nationwide, comprehensive regulation. And that no reasonable Congress could have concluded that the “mandate” is a key part of a comprehensive scheme to ensure near-universal coverage. Because if both those things are true, then the “inactivity” of refusing to take prudent care to prepare for an individual’s health care needs is as potentially damaging as the “inactivity” of refusing needed vaccination at a time of epidemic.

What if these “inactive” individuals promise will really never, never, contract a catastrophic sickness or suffer a devastating injury, that neither they nor their children will ever, ever appear in an emergency room as uninsured patients? That rings as hollow as my hypothetical objectors’ promise not to get or spread smallpox. These things aren’t voluntary; taxes, sickness, death–you can’t opt out, no matter how you try. And, I’m sorry to the hard-core libertarians out there, you cannot agree to waive life-saving care for your children. That argument was over long ago.

The “inactivity” argument depends on the idea that the Constitution prohibits the United States from running a modern economy, in which all of us are involved by virtue of our membership in the nation. As in any highly industrialized nation, we’re all in this together. And if we adopt an old-fashioned minimal view of national authority, we will have confirmed that 21st century America has chosen decline over economic leadership.

I make no predictions. Judge Hudson’ s logic may very well prevail–especially if the conservative majority of the Supreme Court, a year or two hence, cannot resist the temptation to deliver a knockout blow to a president they despise. But such a decision would sow mischief in at least two ways. First, stripping this country of its first modern health care system would deform the Constitution, set back the cause of effecting legislative self-government, and spread suffering over decades or even generations.

That may not matter so much to those who make the decision. Federal judges, like state attorneys general, are covered by generous health-insurance programs, and may not feel the whole thing is such a big deal. And our current Justices make no secret of their seething contempt for America’s legislature.

But if history teaches us anything, it teaches that emergencies come like thieves in the night, and that when they do, we look to governmen t to step in. A strong nation preserves the tools it may need to avert disaster. Throwing those tools away would be an even greater mischief.

If the United States finds Congress’s powers gutted because of this partisan dispute, we will one day have reason to regret it.

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Getting an FHA Purchase Loan in Bradenton FL

Getting an FHA Purchase Loan in Bradenton FL,

If you are looking for a Mortgage in Bradenton FL, you should consider an FHA loan. There are so many reasons to choose an FHA purchase loan, before looking at other options. One of the main reasons is when you are a first time homebuyer, you may not have a lot of money to put down on the house. With FHA you can put down as little as 3.5% down, and the seller can also contribute up to 3% as well. With the rates as low as 5.75%, you can definitely keep your payments low and more manageable.

Why Choose FHA Over Conventional?

An FHA purchase loan in Spring Hill Florida gives you benefits that you can’t with other conventional loans. The main one is the competitive low interest rates. Rates have not been this low in 50 years, and the average FHA rate is comprable if not lower than conventional loans. The rates are lower because the government insures these loans for lenders.

FHA loans in Florida also give you the option of a lower down payment, being as low as 3.5% down, versus a conventional loan which requires a minimum of 10% down or more. Your down payment can be the result of gifted funds from a family member or friend, or even a charitable organization. With a conventional loan, everything must be verified which can make for a hectic paper trail.

In addition, you don’t have to be perfect to get an FHA loan in Florida. While you still have to qualify you won’t have to have perfect credit. In fact, it is easier for you to qualify after having had a bankruptcy in your past or even medical collections. Don’t let that deter you from applying for a loan, and if you don’t qualify I will tell you why so that you know what steps you need to take in order to do so. FHA structures their guidelines so that it uses commonsense underwriting guidelines.

What Types of Purchase Loans are Available?

Almost all FHA purchase loans in Florida are fixed rate mortgages, so your rate will never ever change during the life of your loan. FHA has a long history in fact they have been around since 1934, so they are in this for the long haul. It’s nice to know that if you come upon hard times, that there is assistance with FHA. Hopefully, that is something that you will never encounter, but FHA makes those options available for you just in case.

What are the Steps for an FHA Purchase in Florida?

The most important step when considering an FHA Loan in Florida is to know how much you can afford. There is a very specific calculation that is used to compare your current gross income to your existing debts in order to determine the maximum loan amount that you qualify for. Determining what you can afford, will also be determined by your down payment and interest rate.

Trying to determine just how much you can get for a maximum loan amount may not be the wisest consideration, but you need to be realistic about the monthly payment that you are comfortable with. It is all about having a personal budget and if you don’t have that worked out it cause you a lot of problems. When you visit our website, you should really take the time to use our FHA mortgage calculator. That will show you what numbers to plug in so you can accurately determine what you qualify for. In addition, double check the county you live in for the FHA lending limits.

The next step is to get prequalified for an FHA Loan in Florida before you start shopping for a home. This is the essential step, and realtors won’t work with you until they know that you have a prequalification in hand. Once you have that, you can begin the process of searching through a wide array of homes. Then, once you have found one you are interested in you can make an offer.

For more information on FHA Loan In Florida, or to being your FHA purchase loan qualification in FL, just visit http://www.e-loanmortgage.com, and fill out the form today. It only takes a few minutes to complete.

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Disney world vacation

Disney world vacation is a name of best quality services for travelers and visitors near Orlando city by the Walt Disney Company a name in recreational activities and services. The Walt Disney Company has many business segments and one of the most popular segments of this company is Disney resorts and hotels. Disney world vacation provides best quality resort and hostelling services to their customers that’s why this is a very popular place in Florida. TheWalt Disney World Resortor sometimes shortened to Walt Disney world, is a very popular and most-visited resort. Walt Disney world resort is world’s largest and most liked entertaining resort located near Orlando city in Florida, United States. There are many recreational facilities for travelers especially in this resort as it a world’s largest resort and it provides almost every type of entertainment to their customers to meet customer’s satisfaction. There are many parks and hotels in t his resort so for this resort covers a large area about 122 km2there are almost every thing present to make youself more relaxed and help you to feel better. There are many theme parks, water parks, campgrounds and much more. There are also health and medical facilities provided in and for those persons who don’t want to compromise on their fitness there and physical fitness centers are also present to keep yourselves fit and healthy. And other all types of recreation venues and entertainment are also present over there. in spite of marketing claims and popular misconceptions, this is not located in the limits of Orlando city and it is actually located about 34 kilometers southwest of the Orlando city at a beautiful location which is perfectly suitable for this resort.

History of this resort is such as, This was started with only park and a little facilities for their customers, later some other parks and hotels established to provide more and more facilities to their customers and increase their business earn profit and reputation. Disney resort is a vacation resort and made specially to provide living and entertaining facilities for travelers. This resort consists of a much wider variety of sports also specially for golf lovers it is a best place to live in and enjoy golf playing in the beautiful climate of Florida. This resort consists of uniquely-themed resort hotels, parks and entertainment.

The Walt Disney Company provides best of its services at its resorts especially in resorts present near Orlando city because of high density of visitors and travelers in each season. Disney world resort is specially designed to meet almost all types of requirements of travelers and visitors of Florida because Walt Disney Company is name of quality services and facilities. The Walt Disney Company was established by two brothers with a dream to be world’s largest company of recreation and now they have a great name in this business. Disney Company has a very good business in vacation homes and houses in Florida and known as a best option to spend vacation over there.

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