Wednesday, January 10, 2018

January, 2018, Part 3, The Unfolding Disaster That Is Obama Care: Real Life Horror Stories From Real Life Americans

Every month for years now we have had to discuss how bad Obama Care is turning out to be under the continuing theme, “the unfolding disaster that is Obama Care.” This month is no different. As the legislation continues to march through America, driving up health care and health insurance prices as it serves as dead weight on economic growth, it cements its rightful place as the worst piece of legislation Washington has ever produced.

It never had a chance to be successful since it really never addressed the underlying root causes of our ever increasing health costs in the country:
  • Americans eat too much of the wrong kind of food, resulting in obscenely high obesity rates for the country.
  • Our food chain is infested with overdoses of high fructose corn syrup, salt, sugar, and other unhealthy additives.
  • Americans smoke too much.
  • Americans do not exercise enough.
  • The country is in serious need of health care tort reform.
  • Barriers to insurance company competition across state lines need to come down.
  • Obama Care never “followed the money” to find out who is actually profiting from the ever escalating healthcare costs in this country and how to get those factors under control.
  • Obama Care never got the immense amount of fraud and abuse in current government healthcare programs, Medicare and Medicaid, under control in order to save money to efficiently fund other government health care initiatives.
  • Obama Care never put serious research money towards curing the major diseases that drive high healthcare costs such as high frequency cancers and dementia type diseases.
You cannot resolve any problem unless you understand and address the underlying root causes. No difference here: Obama Care legislation never addressed these listed root causes and thus, has no chance of ever being successful.

But it is not just missing the root causes of our healthcare costs that makes Obama Care so horrible. It resulted in millions of Americans losing access to their favored doctors, hospitals, and insurance policies. It has caused insurance premiums, deductibles and copays to escalate substantially. It will likely add trillions of dollars to the national debt. It has exposed millions of Americans to higher than necessary identity theft chances. It has created government bureaucracies that are wastefully spending taxpayer wealth and being exploited by criminal elements. It has stifled economic growth and job creation.

These are just a sample of the types of idiocy that we have been reviewing for the past several years in this blog relative to Obama Care. To read those past posts, just enter the phrase, “the unfolding disaster,” in the search box above.

We will finish up this month’s review of the unfolding disasters from Obama Care with real life horror stories that the legislation has inflicted on millions of Americans across the country. It is one thing to review data and statistics that summarize the failures of the law but to hear real Americans tell their real stories of how Obama Care has negatively affected their lives, it makes it so human. As always, the source of these horrors is:

SHIRLEY, UTAH - I think it is horrible what has happened to Medicare since Obama took office. Coverage has gone down, out of pocket expenses have gone up, they've stolen money out of our Social Security and Medicare fund that I paid into for 46 years, to subsidize the Affordable Care Act, (which isn't affordable for most people ). Doctors and medical facilities don't want to take care of people on Medicare anymore because they've cut what they will pay them now.

MARGIE, NORTH DAKOTA - As if they have not stolen enough of our SS with obamacare my insurance has really hit me hard. I was paying $70.00 for my Diabetic Insulin every 90 days, now it costs me $800.00 every 90 days for the same product.

MICHAEL, NEW YORK - Michael Kennedy, who runs two family-owned dog-grooming salons near Albany, said changes to his cut-rate insurance coverage mandated by ObamaCare had more than doubled the cost, from $132.99 to $325.92 a month per person.

And when he checked the cost of buying an ObamaCare policy instead, it was “basically the same price, or even more,” he said.

Kennedy, 46, said that he and his wife clear only about $60,000 a year from their Pink Dog Parlor and Resort business, and that paying the new, higher premiums will be “a huge challenge.”

“It’s like another 100 dogs we need to groom,” he said.

MICHAEL, VIRGINIA - About 5 years ago, I changed my health plan to an HSA through Anthem, to reduce my costs. We had just had our daughter, and the reduced plan seemed perfect in my favor. Gradually, that planned increased to 535/month by August 2010 - No thanks.

I switched to Golden Rule in 2011, and we enjoyed a 249/month plan, keeping my HSA. We have a 5k deductible. It increased yearly to 281, 317, and then 392 after adding my newborn son. Then the "Letter" came in August, something like "...due to rising healthcare costs...518/month."

The increases on my plan previously were in the 13% range, and suddenly it goes up 32% and we're in perfect health.

I scream when I hear the President say, that costs have not gone up as much as previous years...and I wonder who he's talking about. Any other plans I have investigated, just 1 in my current price range, are 10-20% higher for the same coverage, deductible, etc.

JUDY, ARIZONA - My primary care physician and 2 specialists I saw quit practicing because of Obamacare. The insurance company we had for many years increased their premiums by 60% in the last 2 years, costing $1200+ per mo. We had to change insurance companies to one with lower costs but fewer benefits...because of Obamacare.

DIANE, ILLINOIS - We got a letter from our insurance company stating that our premium for both my husband and me was going to be $1120 a month with a $12,700 deductible. This through a private company. Our policy was being cancelled. I went on Medicare in January. Prior our premium on cancelled policy was $679 for both of us. After policy was cancelled 12/31/2013 then reinstated for just my husband his premium for just him was $475.13. The reinstated policy term was to be from January til December. The old policy ran from May of last year and was to go to May of this year. So my husband's premium got increased in January and then we got a letter from insurance company stating his premium was going up again this May to $538.56. So they used the January date and the original May date to levy premiums twice. So what's going to happen next year. Are we going to get two premium increases in one year again? We are all at the mercy of this disgusting messed up law and Obama keeps changing it at will to push his political agenda. 


Reporter: New details on the Chatham county commission's move to cut hours for over 100 part-time seasonal employees. The Affordable Care Act would require the county to pay for insurance for those seasonal employees if they work more than 30 hours a week. The county says they can't afford it

The change mostly affects summer lifeguards at the county's aquatic center. . . 

Dean: We have to guard the taxpayer's money, and there's no way to fund full-time positions when only part-time work is actually needed.

MICHAEL, MICHIGAN - Insurance broker Michael Harp said small businesses, part of what's known in the industry as the "small group market," are used to seeing health insurance premiums climb about 10 percent a year, but it's never before been this dramatic. For Extreme Dodge to have kept deductibles and out-of-pocket costs at last year's levels, he said, would have cost the dealership almost 50 percent more than last year.

Harp says what is happening at this dealership is representative of the other small businesses he deals with. Businesses with 50 or fewer employees currently provide health insurance to about 17 million U.S. workers, according to the National Association of Insurance Commissioners.

He said the biggest surprise to him in how the law impacts small business clients is "how many people are losers versus winners. … There are some people who do come out ahead, but I would say the overwhelming majority, they're paying much higher rates and they have lower benefits."

Higher costs, lost of work hours, lost access to preferred doctors, the disasters just keep on coming.

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