A word of caution . . . despite the fact that a federal district court in Texas ruled two weeks ago that the Patient Protection and Affordable Care Act (aka, Obamacare) was unconstitutional, it remains the law of the land. President Trump’s signing of the Tax Cuts and Jobs Act (TCJA) into law last December, eliminated the individual mandate that Americans either buy health insurance or pay a penalty in the form of a tax. It was the very existence of the individual mandate that caused SCOTUS back in 2012, to validate Obamacare under the Congressional power to levy taxes as it would otherwise not have been constitutional. In that decision, Chief Justice Roberts wrote that: “The federal government does not have the power to order people to buy health insurance.” But added: “The federal government does have the power to impose a tax on those without health insurance.” Simply stated, without the tax, the law is unconstitutional. US District Court Judge Reed O’Connor agreed with a coalition of 20 states that was the case, and ruled that in the absence of the individual mandate and its attendant tax, the ACA no longer met muster as a tax law. Therefore, Obamacare violates the Constitution’s commerce clause. The ACA is still the law however as Judge O’Connor also rejected the idea of issuing an injunction against it. This sets up the appeal to decide the question at the higher – and ultimately SCOTUS – court level.