August, 2017, Part 3, The Unfolding Disaster That Is Obama Care: 11 Ways Obama Care Went Horribly Wrong

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.

1) For the past few posts we have been discussing the many problems and disasters of Obama Care from ever rising premium costs to narrow doctor and hospital networks to the lack of competition. Rather than me reviewing all of the problems, let’s review the “11 biggest Problems With Obamacare” as identified on the Daily Wire website by Aaron Bandler:

1. Even the Obama administration admitted in 2016 that Obama Care monthly premiums would increase in 2017 by an average of 25% even though Obama promised dozens of times that the average American family could see their annual health insurance premium costs go down up to $2,500. Missed it by that much. And 25% is the average across the country, many Obama Care policy costs went up much more than that.
2. But it is not just the premium costs that are skyrocketing. According to a report from CNBC, Obama Care policy deductibles are set to increase an average of 17% for all silver plans and 6% for all bronze plans. For those on bronze plans that do not qualify for Federal subsidies, the increase in average deductible levels is 21%. Thus, while many Obama Care families have Obama Care insurance. Some of them cannot use that insurance because they cannot afford the higher and higher deductibles.
3. Despite Obama's promise of vigorous competition for Obama Care customers, seven states currently have only one insurance provider doing Obama Care policies and major insurers such as Blue Cross, UnitedHealthcare, Aetna, and Humana have pulled out of most if not all Obama Care markets because they cannot make a profit.
4. Obama Care co-ops, which were supposed to provide competition for insurance companies and help keep costs down have been a disaster. 15 out of 23 have already gone out of business due to financial hardships and most, if not all of the others, will probably follow them into extinction shortly,taking over a billion dollars of taxpayer subsidies with them.
5. The Medicaid portion of Obama Care has also been a disaster, with Medicaid costs coming in 49% higher than promised. This is because Obama promised that 5.5 million people would sign up for Medicaid as a result of Obama Care while about double that amount, 11.5 million, actually signed up. This is now putting tremendous stress on state government budgets with multiple states now using over 30% of their revenue stream just to cover Medicaid expenses. This will get worse over time since the Federal government is scheduled to contribute less and less over time. And the real kick in the teeth with Obama Care and Medicaid is that study after study show that Medicaid does not make its recipients any healthier than people without any medical insurance including Medicaid.
6. One of the perverse effects of Obama Care is that wait times have gotten longer and longer at emergency rooms despite Obama’s promise that the number of emergency room visits would go down because of the legislation, the exact opposite of what has happened. One of the reasons for this is that fewer and fewer doctors accept Medicaid patients which means although many more people have Medicaid coverage they cannot find a doctor who accepts Medicaid which pushes them into emergency rooms.
7. According to the article: “Obamacare is also resulting in a shortage of primary doctors. A report from the Association of American Medical Colleges found that America faces a shortfall of 61,700 to 94,700 doctors over the next ten years, as less medical residents plan on entering the field of primary care. Doctors have struggled to keep up with the higher demand, as 81 percent of physicians surveyed by The Physicians Foundation in 2012 were "over-extended or at full capacity" in terms of their ability to seek new patients – a real problem when new doctors are not entering the field. Obamacare seems to be a deterrent to new doctors entering the field; 46 percent of doctors who have dealt with the monstrous law rated it as a "D" or an "F."”
8. While Obama Care was supposed to get every American covered with health insurance, the Congressional Budget Office estimates that an additional 26-28 million people will become uninsured as employers opt out of providing health insurance as an employment benefit.
9. While Obama promised that “not a single dime would be added to the national debt” as a result of the legislation, that promise is almost laughable now. If we believe the original Congressional Budget Office estimate that Obama Care would cost about $800 billion over the first ten years, and compare it to its later estimate that it would cost just under $2 trillion over the first ten years, we see that it will easily add over a trillion dollars to the national debt, another broken Obama promise.
10. Obama Care’s Independent Advisory Board (IPAB), better known as “death panels,” is still the law of the land even though it is has not been staffed or made functional yet. That 15 member panel could eventually decide to ration Medicare through price controls and by determining what Medicare will and will not cover in order to keep costs down. This panel will eventually act as a completely independent body of people with the control of life and death of every American in their hands and none of the panel members can be fired by the President. Now how stupid was this provision of the law?
11. And finally, it now appears that Obama illegally diverted funds from other Federal programs to pay off subsidies to insurance companies. Both the Congressional Budget office and the Government Accountability Office have ruled these payments illegal.

Great job by Mr. Bandler summarizing what a massive disaster this is from 11 different perspectives. The next time we find a positive aspect of Obama Care will be the first time we find a positive aspect of Obama Care. And what one finds when delving into these disasters is how many times Obama lied about what the legislation would do. Just a pathetic history of terrible leadership.

That is enough for today, 11 more reasons why Obama Care is an unmitigated disaster. More disasters to follow later this week.

Our book, "Love My Country, Loathe My Government - Fifty First Steps To Restoring Our Freedom And Destroying The American Political Class" is now available at:

www.loathemygovernment.com

It is also available online at Amazon and Barnes and Noble. Please pass our message of freedom onward. Let your friends and family know about our websites and blogs, ask your library to carry the book, and respect freedom for both yourselves and others everyday.

Please visit the following sites for freedom:

http://www.cato.org
http://www.bankruptingamerica.org
http://www.conventionofstates.com
http://www.youtube.com/watch?v=08j0sYUOb5w

December, 2014, Part 4, The Unfolding Disaster That Is Obama Care: Babbling Politicians, Higher Disapproval, and Lower Tax Subsidies

It is the middle of another month, which means it is time for another set of monthly update posts on the unfolding disaster that is Obama Care. We have written extensively on this subject for a number of years now, finally evolving our writing into a monthly update series beginning in the summer of 2013. This is the fourth post in this month’s disaster update.

It is our contention, backed up with dozens of blog posts and hundreds of examples, that Obama Care is easily the worst piece of legislation ever produced and enacted by the Washington political class. To prove out point, just review previous posts by entering the search term, “the unfolding disaster that is Obama Care” in the search box above or just browse through the previous monthly posts over the past years to find out why this law is so bad.

Below are just a few of the many failings of the law:

• While the law did get health insurance coverage for millions of uninsured Americans, it also caused millions of other Americans to actually lose their current health care insurance coverage.
• Rather than decrease the annual cost of health insurance for American households by $2,500, as promised by President Obama, on average, it actually increased the cost of household health insurance.
• Rather than being able to retain access to their preferred doctors, hospitals and drug treatments, millions of Americans lost access to their preferences despite Obama’s promises that they would not lose that access.
• Despite the promise that the number of emergency room visits would go down, the volume of visits has gone up.
• The law made a doctor shortage crisis even worse.
• The law’s weak data systems operations placed millions of Americans at a high risk of identity theft.
• The law has resulted in the American taxpayer subsidizing abortion expenses despite the promise that Obama Care insurance policy subsidizes would not allow taxpayer money to subsidize abortions.
• The law never addressed the underlying root causes of high health care costs in this country (e.g. a fat, sugar, and salt infested food chain, smoking addictions, lack of exercise, aging diseases, etc.) and thus has no chance of actually doing what it was supposed to do, reduce health care costs in this country.
• The law has stunted economic growth and employment growth throughout the economy.
• The law will add over a trillion dollars to the national debt despite the Obama promise that it would actually reduce the national debt.

This is probably just a partial list of the bad things this law has done to the country. Let’s read on to see the latest disasters from this disastrous piece of legislation. 

1) Brianna Ehley, writing for Yahoo Finance, recently published an article entitled, “Obamacare Enrollees Could Get Hit With Surprise Costs.” If current Obama Care enrollees do nothing during the current Obama Care registration period, their current policies will automatically renew for 2015. Sounds simple enough, right

Wrong. Ms. Ehley writes about another convoluted aspect of the legislation that could cause Obama Care policy holders to see their subsidies actually get reduced next year, increasing the overall cost of their Obama Care plans: “Because of the complicated way federal subsidies are calculated, some subsidy-eligible consumers could be surprised with a lower tax credit than last year - further driving up the total cost of their health insurance. Here’s how it works: Subsidies or tax credits are calculated by using the cost of the so-called “benchmark plan” or second-cheapest “silver” plan sold in the area where the consumer lives. If the cost of the benchmark plan changes, which is likely the case, the tax credit or subsidy changes as well. People who don’t enroll in the new benchmark plans will then have to pay the tax-credit difference if the new benchmark plan is cheaper.”

Apparently, this possibility of lower subsidies and higher costs is a very real possibility for millions of Obama Care policy holders. Congressman Mark Meadows has estimated that about 3.8 million Americans could get a higher tax bill related to their Obama Care health plans if they auto-enroll next year, as reported by The Hill. That estimate comes from Human Services analyses done in regions where the Obama Care benchmark plan is changing.

On top of this potential for lower tax subsidies, the Obama administration is encouraging returning customers to shop around for 2015 policy coverage, using the warning that the rates on their current policies have likely increased. Premiums on the silver plans will increase by an average of 10% next year, according to an analysis by Avalere Health. 

So much for annual health care costs going down $2,500 a year for an average household: "For the vast majority of people, if they stay in the same plan, they’ll see rate increases from the single digits to the high single digits,” Andy Slavitt, principal deputy administrator for the Center for Medicare and Medicaid Services, told reporters on a recent press call.

Nothing is easy with Obama Care. Now those on an Obama Care plan have to shop around every year just to keep from paying more. And with every new policy and every new insurance carrier comes a different list of doctors, hospitals, and medicines covered. Conceivably, an American family who had their health insurance policy cancelled because of Obama Care, and lost access to their preferred doctors and hospitals in the process, moved to an Obama Care policy in 2014 with a different set of doctors and hospitals and is now being encouraged by the Obama administration to move to a third different policy in 2015 with yet another set of doctors and hospitals. Insanity.

2) The Heritage Foundation recently reported on a recent Gallup poll regarding the Obama Care legislation. The poll found that for the third year in a row, a majority of Americans say it’s not the proper role of government to make sure everyone has health care coverage. 52% of poll respondents said it is not the responsibility of the Federal government to make sure all Americans have health care coverage, while 45% responded that it is.

This continues a downward trend of Americans approving of government and politicians intervening in the health care industry. In 2000, 59% of Americans said it was the Federal government’s responsibility to provide health care, and the majority increased to 69% in 2006. But since 2012, the majority has opposed the idea that health care coverage is the government’s responsibility:

3) As a final piece of Obama Care insanity for today, we present a two minute video clip from Fox News that contains a series to short clips covering three main areas:

1. Jonathan Gruber calling Americans too stupid to understand his brilliance and the brilliance of Obama Care along with the tricks, lies, and deceptions that were used to deceptively pass the legislation.
2.  Politicians extolling the work and brilliance of Jonathan Gruber and his MIT pedigree to sell in the concept of Obama Care.
3. Politicians denying that Jonathan Gruber exists, saying they never heard of Jonathan Gruber, or that Jonathan Gruber was a minor, insignificant contributor to Obama Care, once they saw themselves getting tainted with his “stupid American people” remarks.

Pay particular attention to the babbling Nancy Pelosi in this video, it is priceless:

http://dailysignal.com/2014/11/25/year-two-obamacares-off-another-bad-start/?utm_source=facebook&utm_medium=social

That will do it for today’s Obama Care disasters. More registration confusion, higher costs, higher disapproval ratings, and political class idiocy relative to the Gruber scandal. We will wrap up this month’s insanity and disasters tomorrow.

Our book, "Love My Country, Loathe My Government - Fifty First Steps To Restoring Our Freedom And Destroying The American Political Class" is now available at:

www.loathemygovernment.com

It is also available online at Amazon and Barnes and Noble. Please pass our message of freedom onward. Let your friends and family know about our websites and blogs, ask your library to carry the book, and respect freedom for both yourselves and others everyday.

Please visit the following sites for freedom:

Term Limits Now: http://www.howmuchworsecoulditget.com
http://www.reason.com
http://www.cato.org
http://www.bankruptingamerica.org
http://www.conventionofstates.com
http://www.youtube.com/watch?v=08j0sYUOb5w

December, 2014, Part 3, The Unfolding Disaster That Is Obama Care: Ousted Obama Care Politicians, More Higher Costs News, and Another Failed Obama Promise

It is the middle of another month, which means it is time for another set of monthly update posts on the unfolding disaster that is Obama Care. We have written extensively on this subject for a number of years now, finally evolving our writing into a monthly update series beginning in the summer of 2013.

The first post in this month’s update series can be accessed at:

http://loathemygovernment.blogspot.com/2014/12/december-2014-part-1-unfolding-disaster.html

It is our contention, backed up with dozens of blog posts and hundreds of examples, that Obama Care is easily the worst piece of legislation ever produced and enacted by the Washington political class. To prove out point, just review previous posts by entering the search term, “the unfolding disaster that is Obama Care” in the search box above or just browse through the previous monthly posts over the past years to find out why this law is so bad.

Below are just a few of the many failings of the law:

• While the law did get health insurance coverage for millions of uninsured Americans, it also caused millions of Americans to actually lose their current health care insurance coverage.
• Rather than decrease the annual cost of health insurance for Americans households by $2,500, as promised by President Obama, on average, it actually increased the cost of household health insurance.
• Rather than being able to retain access to their preferred doctors, hospitals and drug treatments, millions of Americans lost access to their preferences despite Obama’s promises that they would not lose that access.
• Despite the promise that the number of emergency room visits would go down, the volume of visits has gone up.
• The law made a doctor shortage crisis even worse.
• The law’s weak data systems operations placed millions of Americans at a high risk of identity theft.
• The law has resulted in the American taxpayer subsidizing abortion expenses despite the promise that Obama Care insurance policy subsidizes would not allow taxpayer money to subsidize abortions.
• The law never addressed the underlying root causes of high health care costs in this country (e.g. a fat, sugar, and salt infested food chain, smoking addictions, lack of exercise, aging diseases, etc.) and thus has no chance of actually doing what it was supposed to do, reduce health care costs in this country.
• The law has stunted economic growth and employment growth throughout the economy.
• The law will add over a trillion dollars to the national debt despite the Obama promise that it would actually reduce the national debt.

This is probably just a partial list of the bad things this law has done to the country. Let’s read on to see the latest disasters from this disastrous piece of legislation. 

1) Earlier in this update series we reviewed how half of the sixty U.S. Senators who voted for Obama Care will not be in the Senate when it convenes in 2015. Now some of them are not around because of reasons not related to Obama Care, e.g. John Kerry is now Secretary of State, but at least half of those who lost their seats likely lost it in large part due to Obama Care.

A recent Bloomberg analysis took the analysis a little further, beyond just the Senate relative to last month’s elections:

• In 2009, there were 60 Democrats in the Senate. In 2015, there will be 46, a decrease of 23%.
• In 2009, there were 257 Democrats in the House of Representatives. In 2015 there will be 188, a decrease of 27%.
• In 2009, there were 32 Democratic governors. In 2015, there will be 21 Democratic governors, a decrease of 34%.

Now some of these Democrats may have lost their seats for other reasons such as the economy, bad campaign strategies, scandals, etc. But the unpopularity of Obama Care and what it has done to the country and the economy in a major and highly visible way had to have an a major impact on voters, a reality that is verified by interviews of election and political experts done by Bloomberg related to these figures.

The good news is that voters punished those politicians that made bad legislation, lied, and false promises. The bad news is that while they are now gone, the bad legislation they made is still with us.

2) We have constantly reported on how health insurance costs will be going up next year and in future years, according to experts in the field. We recently quoted sources that showed that the average increase for Obama Care Silver plans, apparently the most popular plans, will go up an average cost of 5% in 2015, counter to what the President hyped a few years ago, namely that, on average, health insurance costs would go down $2,500 a year.

However, a recent article in Investor’s Business Daily (IBD) showed steeper price increases in the lower tiered, less expensive, and less robust Bronze plans offered via the Federal government’s Obama Care process, Healthcare.gov. Citing projections from the Healthcare.gov website, IBD wrote that Bronze plan premiums will increase next year by an average of 18% for those who purchase through the Federal Obama Care health care exchange. 

That estimate was calculated using the largest market in each of the 34 states that use Healthcare.gov as a customer portal for Obama Care. It does not include those policies purchased in state operated Obama Care exchanges.

IBD summarized the price results by major metro areas in the following graph:

The IBD article points out a few interesting and/or disturbing trends:

• Only nine of the Healthcare.gov metro areas can expect to see average premium prices fall or remain level next year for Obama Care Bronze plans.
• Five metro areas that will see Bronze plan premiums increase by more than 38%.
• Pity the Bronze plan holders in the Cedar Rapids, Iowa market who will see their bronze plan premiums more than double. 

So much for the legislation reducing or even containing health care insurance costs.

3) President Obama promised a lot of things that never came true relative to his pet piece of legislation, many of which were listed at the beginning of today’s post, e.g. premium costs would go down, you could keep your current doctors, your could keep your current policy, etc. One of his biggest boasts was how easy it was going to be to obtain Obama Care health insurance coverage via the online health care exchange process:

“Starting on Tuesday, every American can visit HealthCare.gov to find out what’s called the insurance marketplace for your state,” Obama said. “It’s a website where you can compare and purchase affordable health care plans … the same way you shop for a plane ticket on Kayak...I promise you, this is a lot easier. It’s like booking a hotel or a plane ticket.”

Well, this looks like another promise that went bad or was an outright lie that was used to sell in this horrid piece of legislation to the country. According to a recent article from the website, www.bankrate.com, almost two thirds of Americans say shopping for health insurance is as bad as having a tooth cavity filled and seven out of ten Americans say it is as bad as preparing one’s own tax returns or sitting in the middle seat on an airline flight. Trust me, booking a hotel room or plane ticket online was NEVER this painful or complex, promise broken.

Now, I am pretty sure that some of this angst in obtaining health insurance is not just related to Obama Care. But the President boasted that a lot of this angst would go away under his legislation, a boast that apparently has not taken hold if it is still like going to the dentist when it comes time to purchasing health care insurance. Just another day and another Obama promise failing to become reality.

Failed promises and increased costs, seems to be the primary results of the Obama Care legislation. And unfortunately, we are not done documenting the continued failures of the law in these categories of pain and others. More to come in the following days.

Our book, "Love My Country, Loathe My Government - Fifty First Steps To Restoring Our Freedom And Destroying The American Political Class" is now available at:

www.loathemygovernment.com

It is also available online at Amazon and Barnes and Noble. Please pass our message of freedom onward. Let your friends and family know about our websites and blogs, ask your library to carry the book, and respect freedom for both yourselves and others everyday.

Please visit the following sites for freedom:

Term Limits Now: http://www.howmuchworsecoulditget.com
http://www.reason.com
http://www.cato.org
http://www.bankruptingamerica.org
http://www.conventionofstates.com
http://www.youtube.com/watch?v=08j0sYUOb5w

December, 2013, The Unfolding Disaster That Is Obama Care Update, Part 2: Insurance But No Medicine, More Identity Theft Problems, The Nullify Crusade and More

Yesterday, was the first in what promises to be a long series of posts that document and analyze the latest fiascos being spawned out of the Obama Care legislation. It seems that every day another bombshell disaster is uncovered, caused by a piece of legislation that the Washington class did not read, did not understand, and probably did not write, delegating that job to lobbyists and insurance companies.

We also learned that many Americans, even if they have Obama Care health insurance coverage, will not be able to see the doctor they want to see and use or will not have access to some of the finest hospitals in the country. In order to reduce costs as much as possible, the legislation allows insurance companies to restrict insurance coverage to less costly and quite possibly less quality doctors and hospitals. We also learned that many, many doctors are voluntarily not joining Obama Care exchanges or are retiring early to avoid the hassles of Obama Care.

The bad news continues today:

1) The National Journal recently reported on a investigative report done by station KSTP, a Minnesota ABC station. They found that many state-run ObamaCcare health-care exchanges are vulnerable to a certain type of Wi-Fi hacker attack that enables computer hackers to intercept usernames and passwords.

The findings come from a Mr. Mark Lanterman, the CEO and chief technology officer of Computer Forensic Services. His company ran simulated hacker attacks for KSTP. They found that state-run Obama Care exchanges in Minnesota, Hawaii, Nevada, Colorado, New Mexico, New York, Maryland, and the District of Columbia are vulnerable to hackers and identity theft criminal elements, just one other serious worry when it comes to the failed legislation known as Obama Care. 

2) First, millions of Americans found out that they could not keep their current insurance policy as promised by the President. Then many Americans found out that they would not be able to keep their favorite doctors in an Obama Care world. Then the found out that they might not get access to their favorite hospitals in an Obama Care world.

Now, according to a recent report in Forbes, they may not be able to keep getting access to their needed medicines in an Obama Care world. Apparently, in an attempt to keep health insurance costs down, many of the Obama Care health insurance policies are not carrying the full array of medicines that current policies are carrying: 

• “If you like your medicines, you may not be able to keep them under Obamacare,” health policy analyst Scott Gottlieb wrote in a Forbes column. “Health plans are cheapening their drug formularies – just like they cheapened their networks of doctors. That’s how they’re paying for the benefits that President Obama promised, everything from free contraception to a leveling of premiums between older (and typically costlier) beneficiaries, and younger consumers.”
• And even if the health insurance company carrying the Obama Care policy does agree to pay for certain drugs, you may have to opt for a higher costing policy like the Obama care silver level policies to get your medicines paid for. If you only have the cheapest, bronze levels policies you may still be shut out of the drug you need.
• Apparently, you can appeal your case to the Federal government if a needed drug is not covered by your policy, but according to Forbes, that appeal process can take years. During that time, you can either go without the drug or pay for it yourself. If your appeal fails, you are on the hook for 100% of the medicine’s cost.
• As an added insult, if a person has to pay for a drug not covered by their Obama Care insurance policy, that cost does not even help reduce their deductibles or out of pocket limits.

Just another example of the adage where the operation was a success (i.e. the person was able to get health insurance coverage) but the patient died (i.e. their policy did not pay for the medicine that person needed to stay alive). Pathetic piece of legislation.

3) On December 9, 2013, CBS Morning News reported on another troubling aspect of Obama Care, first reported by the Wall Street Journal: skyrocketing deductible levels, that level at which a insurance policy holder has to pay 100% of medical costs up to that deductible level before getting financial help from their Obama Care insurance policy. 

Key findings of the CBS report and Journal report include:

• The average deductible level in Obama Care insurance policies is $5,081 a year. In other words, after paying monthly deductibles for the privilege of having an Obama Care policy, you then have to pay at least another $5,000 before seeing any benefit from that policy.
• The Wall Street Journal article detailed how the analysis from HealthPocket Inc., a company that compares health-insurance plans for consumers, analyzed the health care plans in 34 out of the 36 states that haven't set up their own exchanges under the Obama Care legislation. 
• Their report also proved that the $5081 average cost is "42% higher than the average deductible of $3,589 for an individually purchased plan in 2013 before much of the federal law took effect."
• The Wall Street Journal writers also noted how "'cost-sharing' subsidies to help pay deductibles are available to people who earn up to 2.5 times the poverty level....[but] the cost-sharing subsidies for deductibles don't apply to the bronze policies."

Think about a young kid/college grad just starting out in their career. He or she cannot afford a higher priced Obama care plan, they have to struggle with a so-called bronze plan, likely not being able to afford anything above bronze. Not only are the monthly premiums a strain on their budget but now they will get no help in covering their deductible costs which are now 42% higher going forward under Obama Care than they were prior to Obama Care. How does that make sense?

Makes no sense except for the fact that Obama Care was set up to screw the younger generation so that they pay more to subsidize older folks who do not have health care insurance and to pay for Obama Care mandated elements of health insurance, e.g. contraception and pre natal care, for many people that have absolutely no need for such coverage. 

4) An interesting effort is gaining steam in South Carolina’s state government. Lawmakers in South Carolina are pressing forward with state government legislation that would eliminate Obama Care in the state. The “South Carolina Freedom of Health Care Protection Act” was introduced in April and passed in the state’s House of Representatives by a 65-34 vote in June. The pending legislation is expected to head to the state Senate around Jan.14 where if it is passed, it would then go Republican Governor Nikki Haley to be signed into law.

Central to the pending legislation is a prohibition of state agencies, employees, officers and employees from implementing any part of Obama Care. The bill would outlaw state health-care exchanges and would instead issue tax deductions to individuals instead of the tax penalties they would face for not complying with the ACA. 

I am not a legal scholar so I have no idea if this attempt to “nullify“ Obama Care, which I understand has some standing and chance of success within the tenets of the Constitution, will succeed. However, the state politicians in South Carolina recognize what a lousy piece of legislation this truly is, how it is negatively affecting every aspect Americans’ health care lives, and are willing to take this unprecedented effort to shield their constituents from the negative fallout of Obama Care.

Which raises an interesting issue for both the short term Obama Care issue and the longer term central government format:

• What if the 35 states or so who said no to Obama Care state run exchanges do the same nullify thing and simply ignore Obama Care’s requirements and tenets? 
• And what if the courts uphold the states’ rights to actually nullify Federal law? 
• Does the law then collapse from the non-participation of two thirds of the country? 
• Longer term, can the states then begin to pick and choose what Federal laws they want to obey or not obey? What if the Federal government imposes draconian and un-Constitutional gun control laws on the land? Can the states then nullify that Federal law?

Fascinating scenarios, all because the Washington political class put together a historically pathetic and severely deficient piece of legislation. A piece of legislation that may lead to a state rights Constitutional crisis. 

Enough for today. What depressing lessons did we learn today about Obama Care:

1. It is still an identity thief’s paradise since industry experts have proven that many of the state Obama Care exchanges can be easily attacked via Wi-Fi networks.
2. It is now obvious that while one can get health care insurance via Obama Care, there is an increasing probability under Obama Care that your new insurance will not pay for certain, usually expensive, life saving drugs you or your family might need.
3. A Wall Street Journal analysis has shown that even if you can afford Obama Care health insurance, you may not be able to afford the additional high deductible levels that Obama Care insurance policies come with, negating the monthly premium payments you are paying.
4. The bill is so bad that at least one state is taking the unprecedented move to go down the “nullify” road to totally block Obama Care’s implementation in its state, a move likely to spread to other states. eventually end up in the courts and likely to create a Constitutional crisis in the country.

Wow, identify theft crisis, Constitutional crisis, high deductible crisis, and lack of medicine coverage crisis. Yeah, this is not going to end well or neatly. More Obama Care crises tomorrow.

Our book, "Love My Country, Loathe My Government - Fifty First Steps To Restoring Our Freedom And Destroying The American Political Class" is now available at:

www.loathemygovernment.com

It is also available online at Amazon and Barnes and Noble. Please pass our message of freedom onward. Let your friends and family know about our websites and blogs, ask your library to carry the book, and respect freedom for both yourselves and others everyday.

Please visit the following sites for freedom:

Term Limits Now:http://www.howmuchworsecoulditget.com
http://www.reason.com
http://www.cato.org
http://www.robertringer.com/
http://www.youtube.com/watch?v=08j0sYUOb5w