This is the Kator Daily Podcast for Wednesday, December 15, 2010.

I'm Caleb Brown.

A federal court has declared the individual mandate unconstitutional, but that ruling alone won't stop the implementation

of Obamacare. Michael Cannon, Director of Health Policy Studies at the Cato Institute, lays out

what's coming in 2011 from the embattled health care law.

In 2011 Obamacare is going to keep increasing people's health insurance premiums

the same way it started doing that in 2010. A lot of the

mandates in Obamacare take effect on a rolling basis so if your health plan year

started after September 23rd of 2010. It has to comply with all these additional mandates.

You have to purchase 100% coverage for preventive services.

You have to buy coverage that's unlimited annual and lifetime coverage.

If your employer offers coverage for dependence, it has to provide coverage for dependence up to

the age of 26. These things all take effect

whenever your health plan year starts and so if that starts on January 1st

then these mandates will start affecting you and affecting your paycheck on

January 1st.

There are also a number of regulations that take effect for everyone beginning on January

1st.

These include what they call the minimum medical loss

ratio regulation. That's the one in Obamacare that says that insurance companies

must spend no more than 15% of their premium revenue in the case of large employers or 20%

of their premium revenue in the case of small employers and plans on the individual health insurance market on things

...