Free Markets, Free People

The dirty little secret of the ObamaCare scam

Remember, it’s called the “Affordable Care Act” officially, but in reality, it is anything but that.   The purported purpose of the act was to provide a means for people and families to buy affordable health insurance if they weren’t insured.  But, in fact, reality is proving this to be the usual smoke and mirrors government usually manages to produce.   Not only is the insurance more expensive in many cases, it has a higher deductible as well.  From the Chicago Trib.

Adam Weldzius, a nurse practitioner, considers himself better informed than most when it comes to the inner workings of health insurance. But even he wasn’t prepared for the pocketbook hit he’ll face next year under President Barack Obama’s health care overhaul.

If the 33-year-old single father wants the same level of coverage next year as what he has now with the same insurer and the same network of doctors and hospitals, his monthly premium of $233 will more than double. If he wants to keep his monthly payments in check, the Carpentersville resident is looking at an annual deductible for himself and his 7-year-old daughter of $12,700, a more than threefold increase from $3,500 today.

“I believe everybody should be able to have health insurance, but at the same time, I’m being penalized. And for what?” said Weldzius, who is not offered insurance through his employer. “For someone who’s always had insurance, who’s always taken care of myself, now I have to change my plan?”

Do a little math. You are someone who hasn’t been able to afford health insurance in the past. The $1,000 a month you had to pay for your family is unaffordable. So you opt into this system assuming the premium will be lower (Well, you don’t “opt” in, you are required to enroll and pay). And to your joy, it is. Only $500 a month, something you can barely afford, but at last you have insurance.

But wait, there’s more:

To promote the Oct. 1 debut of the exchanges, the online marketplaces where consumers can shop and buy insurance, Obama administration and Illinois officials touted the lower-than-expected monthly premiums that would make insurance more affordable for millions of Americans. But a Tribune analysis shows that 21 of the 22 lowest-priced plans offered on the Illinois health insurance exchange for Cook County have annual deductibles of more than $4,000 for an individual and $8,000 for family coverage.

Those deductibles, which represent the out-of-pocket money consumers must spend on health care before most insurance benefits kick in, are higher than what many consumers expected or may be able to stomach, benefit experts said.

By comparison, people who buy health insurance through their employer have an average individual deductible of just more than $1,100, according to the Kaiser Family Foundation.

An $8,000 family deductible.  So instead of paying $13,100 a year for family coverage that you couldn’t afford (along with a $1,100 deductible you might have been able to struggle through)  you get to pay $14,000 (including deductible) before the insurance you have begins to kick in.

What a deal.  And that, of course, assumes that you can find a doctor that will take your insurance.  Of course that likely won’t matter since unless you have a health care emergency over $14,000 you’re going to be paying cash anyway.

Oh, and don’t even think about saying “screw it” unless you want the IRS on your rear end.

Haven’t enrolled yet?  Get on it, dude.  And good luck (you may up having to pay the penalty anyway because you can’t find a way to enroll):

CNN senior medical correspondent Elizabeth Cohen has been trying for two weeks to sign up for ObamaCare.

Unfortunately as she reported on Monday’s New Day, despite trying for fourteen days including at hours that were claimed to be “off peak,” she still hasn’t been able to establish an account.


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16 Responses to The dirty little secret of the ObamaCare scam

  • And if you want to read some true delusion check out Bill Keller at the NYT.    Here are the people who want to run your lives.   Here’s how they view reality.
    I’m particularly excited about ‘medical swat teams’ coming to help me.   Good Lord.   Did we lose a war?
    “At Cornerstone Health Care, a 250-doctor organization in North Carolina, patients with a history of congestive heart failure get a daily phone call from a nurse asking them to step on a scale and report their weight, the best early indicator of an impending emergency. The next stage, Grace Terrell, the president of Cornerstone, told me, will be to give these patients scales that automatically transmit their weight directly to the nurse.  If the N.S.A. is Big Brother, we’re Big Mother,” Terrell says of the weight surveillance program.”
    Here’s the article.
    Then read the comments section.   It just keeps getting better!

    Gawd damn, I want to live in the universe THESE people live in!
    But there it all is, in the paper of record.
    I’m getting kind of tired of the people in the Emerald City pushing their wizards on us rubes out here in Munchkinland.

  • “Un-Affordable Care Act” == ObamaDoesn’tCare (how much it costs)

  • So the citizens get despoiled no matter what they choose.
    If they get insurance that has high deductibles, chances are they’ll be paying them AND the premiums unless they have something fairly serious, without ever benefiting from their insurance.
    If they don’t get insurance, Uncle Sammy punishes them with a ‘tax’.
    Either way, they’re out of pocket for money that, 5 years ago they wouldn’t have had to hand to anyone when they had no cause to use the medical system.
    Now, they can’t escape payment of some kind.
    Sweet no?
    the ruling class strikes again – nothing more than a scheme to increase their control and their plunder.
    The spoils system built on the backs of the citizens.
    Hell, they’ll have me quoting Marx next.

  • “This was bungled badly,” [Robert] Gibbs, who served as press secretary during President Barack Obama’s first term, said Monday on MSNBC’s Now with Alex Wagner. “This was not a server problem, right, like just too many people came to the website — this is a website architecture problem.”
    “I hope they’re working day and night to get this done, and when they get it fixed, I hope they fire some people that were in charge of making sure that this thing was supposed to work,” he said.

    Yes, they are using words like incompetent, bungled, Obama .. they all mean the same thing

    • IncObamatent

    • OMG

      Five thoughts on the Obamacare disaster
      In the weeks leading up to the launch I heard some very ugly things about how the system was performing when transferring data to insurers — a necessary step if people are actually going to get insurance. I tried hard to pin the rumors down, but I could never quite nail the story, and there was a wall of official denials from the Obama administration. It was just testing, they said. They were fixing the bugs day by day.
      According to Bob Laszlewski, those problems aren’t resolved. They’re just not getting much attention because the health-care law’s Web sites aren’t working well enough for people to get that far in the process.

      When you’ve lost Ezra Klein, DC’s boy-version of “Chatty Cathy”, there is no defense.

  • “I believe everybody should be able to have health insurance,”
    But he doesn’t seem to believe that “he” should have to pay for it?
    Convenient how paying for what “everyone should” have is always someone else’s problem, eh?

  • The dirty little secret of ObamaDoggle…?!?!?!
    How can you manage to choose ONE…???

    • Why is it whenever people say ‘dirty little secret’, they mean really really #@$!# big ugly secret?    🙂

  • I’ve been indulging in a mind-experiment…
    Try to imagine what a smart-phone designed by the ObamaDoggle people would look like, and how it would function.

    • I’m seeing a concrete block. You talk into the top hole and listen in the bottem because that made sense to their designers.

    • Oh and when it works as you would anticipate, the reason for the failure is too many users and that Right wingers are deliberately talking into the bottom hole and listening on the top.

  • An $8,000 family deductible.  So instead of paying $13,100 a year for family coverage that you couldn’t afford (along with a $1,100 deductible you might have been able to struggle through)  you get to pay $14,000 (including deductible) before the insurance you have begins to kick in.

    What a deal.  And that, of course, assumes that you can find a doctor that will take your insurance.  Of course that likely won’t matter since unless you have a health care emergency over $14,000 you’re going to be paying cash anyway.
    Enough to make someone a supporter of single payer.   If your choice is between being compelled to spend a huge amount of money for healthcare and “free” healthcare paid from the general fund, what’s the self-interested choice?  Even if you realize your taxes go up if you’re in that bracket it they probably won’t go up $14,000.  At least to start.  Obamacare isn’t’ a failure, it’s a success at laying the groundwork for single payer.

  • I saw a glimpse of this future on cultural exchanges to the Soviet Union in the eighties when I visited Scriptwriters 1 and 2 — twin high-rise residences inhabited by writers approved by the Communist Party. I was told these residences had the best healthcare in the USSR (excepting the Kremlin, undoubtedly) right in the building. I also gathered that many who lived there hadn’t written a word in years, except for a required article here or there fulsomely praising the regime. Naturally, the dissident writers did not live in the building, but in dank hovels, assuming they were not in jail.
    What a great way to keep your writers in line, I thought. It could work here — and now maybe it will.
    Yes, it’s grim, but we can look upon ObamaCare as a gift. If it is as bad as we think it is, it should be relatively easy to expose.
    It will be an albatross around the neck of the Democratic Party, an albatross that could be lethal in 2014.
    We must be sure though to publicize that. A campaign of ridicule should be non-stop and begin now. Every misstep must be trumpeted, if possible with humor. Mockery can change minds.
    The defunding campaign may have failed, but the path to a full repeal is clear And that is electoral victory in 2014 and 2016.
    Toward that end, time for the right to learn a skill they have long neglected — public relations.
    Maybe Obama can prove to be as good a booster for small government as he has proven to be for gun sales.

  • Behold the might power of a fully operational anti-TEA party government “protest”…