Healthcare Ruling's Impact on You - FOX 21/27 WFXR Roanoke/WWCW Lynchburg News, Weather

Healthcare Ruling's Impact on You

No matter which way the Supreme Court rules on the affordable healthcare act, you will be impacted.

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Scenario one: The court upholds the entire law.

That would require everyone to have health insurance, the so-called individual mandate. And that would keep many of the more popular provisions of the law, like requiring coverage for pre-existing conditions, allowing children under 26 to stay on their parents' insurance and no cap on claims.

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Scenario two: The court throws out the entire law.

Health care reform vanishes, including the individual mandate and the other provisions just mentioned, the more popular ones.

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Scenario three: The court carves out the individual mandate, calling it unconstitutional.

People won't be required to buy health insurance, but the other key provisions would remain intact. But there is a big question whether the insurance companies could afford to provide those measures without everyone having insurance. Bottom line, if the individual mandate goes, studies say your premiums will likely go up anywhere from 10 to 30 percent.

Of course every scenario affects people in different ways. So to figure out how those three scenarios impact you, there is a calculator on the Washington Post's web site that allows you to plug in information about your insurance status and income, to see how those three ruling impact you specifically.