The Fifth Circuit Court of Appeals has ruled that the ACA individual mandate is unconstitutional.  The opinion was issued December 18, 2019, a copy of which is here. In referencing the US Supreme Court’s well-known opinion in NFIB v. Sebelius (US 2012) the Fifth Circuit Court reasoned:

In NFIB, the individual mandate—most naturally read as a command to purchase insurance—was saved from unconstitutionality because it could be read together with the shared responsibility payment as an option to purchase insurance or pay a tax. It could be read this way because the shared responsibility payment produced revenue. It no longer does so. Therefore, the most straightforward reading applies: the mandate is a command. Using that meaning, the individual mandate is unconstitutional.

Texas v. USA (5th Cir. Dec. 18, 2019) at 44

By way of brief background to this case, the ACA  originally required buyers of individual health insurance policies to purchase “minimum essential coverage” benefits. This is commonly known as the ACA individual mandate. Continue reading “FIFTH CIRCUIT COURT: ACA INDIVIDUAL MANDATE UNCONSTITUTIONAL”


Health care sharing is an expanding concept that brings the benefits of a sharing economy to payment of health care costs: think “uber” or “airbnb” for medical expenses. Just as in other sharing business models, modern technology now allows, for the first time in history, thousands of participants to link in a peer-to-peer environment such that small account debits across the peer-to-peer network can be executed to pay a member’s medical bill, all on a voluntary basis, and with very little overhead.

This method of medical expense payments has numerous advantages over ACA health insurance for many people: Continue reading “HEALTH CARE SHARING COMING OF AGE”