As you can see, the law sets the bar quite high for eligibility for a religious exemption. According to a 2009 report on MSNBC.com, the language was originally meant to apply only to the Old Order Amish, whose beliefs prohibit them from participating in public or commercial insurance. Instead, they participate in a form of self-insurance per the language above requiring exempted sects "to make provision for their dependent member
Is it true that "Islam considers insurance to be 'gambling,' 'risk-taking,' and 'usury,' and is thus banned
Strictly speaking, yes. "It is true, under common interpretations of Islamic law, that conventional insurance is forbidden," stated About.com's Guide to Islam Christine Huda Dodge in response to my query on this subject. "As [Sheikh Muhammed Salih Al-Munajjid] explains, many scholars point out that paying money for something, with no guarantee that you will ever benefit from it (i.e. you pay pay for health insurance coverage, and never get sick), involves a high ambiguity/risk and could theoretically be considered a form of gambling. The criticism is of the system itself, where the insured always seems to lose while the insurance companies get richer and charge higher premiums."
However, some of the same Islamic sources allow for exceptions in cases where insurance is mandated by law. "If you are forced to take out insurance and there is an accident," notes Sheikh Al-Munajjid, for example, "it is permissible for you to take from the insurance company the same amount as the payments you have made, but you should not take any more than that."
As Dodge points out, Muslims living as minorities and governed by secular law often have to compromise and work within the limits imposed on them. "It seems to me that most American Muslims are resigned to certain insurances that are considered to be obligatory," she writes. "Car insurance, for example, is mandated by law. As far as I know, nobody has complained or petitioned for a religious exemption to car insurance. Health insurance is even more fundamental, as the health/life/death of one's self and family hangs in the balance. I am unaware of any attempts from within the Muslim community to avoid health insurance."
Quite to the contrary, Muslim organizations such as The Islamic Society of North America and American Muslim Health Professionals lauded the passage of the Patient Protection and Affordable Care Act while voicing no objections to mandated health insurance at all.
Is it conceivable that strictly observant Muslims might be granted religious exemptions?
I'm no legal expert, but I'll venture to say that sure, it's conceivable, provided such applicants are able to meet all the strict conditions set out above. It may be awhile before we know how that actually pans out, however, given that the provision mandating health insurance doesn't go into effect until 2014.
At least two sources I'm aware of, FactCheck.org and WorldNetDaily.com, have concluded it's unlikely that Muslims will be eligible for exemption.
If some Muslims are granted religious exemptions, would that mean "the ObamaCare bill is the establishment of Dhimmitude and Sharia Muslim diktat in the United States," as claimed in the email text?
No, that's an absurd and bigoted statement to make in a country where Muslims constitute a very small minority of the population and have historically complied with secular governance.
Is it true, as the author of the text claims, that she, as a non-exempt Christian, "will have crippling IRS liens placed against all of my assets, including real estate, cattle, and even accounts receivables, and will face hard prison time because I refuse to buy insurance or pay the penalty tax"?
No. According to an analysis by The Journal of Accountancy, "The act specifies that liens and seizures are not authorized to enforce this penalty, and noncompliance will not be subject to criminal penalties.
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