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Small Business Employee Benefits and HR Blog

Should the ACA Individual Mandate be Delayed Too?

Earlier this summer, the ACA employer mandate was delayed until 2015. After the administration announced the delay in the employer mandate, many have speculated if other portions of the ACA law would also be delayed. Much of this speculation has focused on the individual mandate. The individual mandate provision of the ACA requires nearly all Americans to either maintain minimum essential health coverage for themselves and their dependents, or pay a tax penalty.

individual mandate delayed

Poll Says 77% of Americans Support Delaying or Repealing Individual Mandate

A new poll by The Morning Consult found that 77% of Americans support either delaying or repealing the ACA individual mandate. Of the 2,076 registered voters polled:

  • 28% said the individual mandate should be delayed

  • 49% said the mandate should be repealed entirely

Responses varied by political leanings:

  • 91% of Republicans surveyed said the individual mandate should be repealed or delayed

  • 77% of Independents surveyed said the individual mandate should be repealed or delayed

  • 65% of Democrats surveyed said the individual mandate should be repealed or delayed

individual mandate repealed resized 600Source: The Morning Consult.

About the ACA Individual Mandate

Effective January 1, 2014, nearly all Americans will be required to maintain minimum essential health coverage for themselves and their dependents. If an applicable individual does not maintain minimum essential coverage for 1 or more months during a tax year, then they must pay a penalty.

The size of the penalty is phased-in over three years: 

  • In 2014, the penalty will be $95 per person up to a maximum of three times that amount for a family ($285) or 1% of household income if greater 
  • In 2015, the penalty will be $325 per person up to a maximum of three times that amount for a family ($975) or 2% of household income if greater 
  • In 2016, the penalty will be $695 per person per year up to a maximum of three times that amount for a family ($2,085) or 2.5% of household income if greater

Click here to read more about the ACA individual mandate provision.

What do you think... Should the ACA individual mandate be delayed or repealed? Let us know your thoughts in the comments below.

individual mandate delayed