The ACA, Obamacare, and High Premiums

Despite everything we try to get rid of Obamacare, the parasite continues to infest the U.S.  The Obamacare law didn’t pass with honest intentions, nor did it pass with agreement from both sides.  It passed with lies, fraud, and deceit.  How much longer do we have tolerate Obamacare before we decide it is a complete failure like it is?

Democrats  continue to believe that premiums have gone down with Obamacare and that Obamacare is working.   The truth is that prices are just now starting to go down after they skyrocketed.  Prices are just now going down because of competition and because people are losing their insurance.

Obamacare isn’t working because we’ve spent well over 4 Billion dollars on the program.    It hurt many people just to implement it.  People lost their jobs and many lost full time work because of Obamacare.  We hear excuses how Medicaid was even worse starting out as well.  The problem with that is Medicaid is still a huge drain on the population and is very problematic and Obamacare is expanding that problem.  It too being a socialized program is a big cost drain to every citizen and non-citizen in the U.S.

Medicaid gets worse every year and covers less.  Doctors don’t like Medicaid due to the small payments from the program and other problems associated with it.  Don’t be fooled by the Gallup polls showing insurance coverage has increased either.   Most of the newly insured have just been added to medicaid or they have lost their business coverage, which will put further drain on all of us.  Many people working for corporations are worried about their future because corporations are covering a lot less now due to Obamacare as well.  It hurts the middle class who have insurance and isn’t working.

Here’s what happened to me with my insurance and the problems I faced.   Like millions in similar situation as my own, I found that the price of insurance skyrocketed beyond anything imaginable.   My insurance was through a company called “Humana” and I was paying $359.05 before the ACA was forced on us all.  The price that Humana quoted me was $483.90 if I were to go through the exchanges.  The price was not accurate when I went to the ACA exchanges and searched for myself.      My total out of pocket expenses prior to the ACA was $5000.00 if the entire family had gotten sick or hurt.  I had decent coverage and insurance, especially for the price of $359.05 per month.  To this day I don’t know how Humana came to their numbers unless they were offering me a broken bronze plan for $483.90 a month.  (See below)


After looking around one day on the exchanges, this was the lowest priced insurance I could get.   Even having this plan would bankrupt me in the future.  (See below)


This was one of the worst plans I had seen in my life.  The price was set at $557.00 a month with a $12,700 dollar deductible!  That means that I would not receive any help by insurance until I had paid $12,700 out of my own pocket.  The other problem with it is it was 60/40 coverage making this insurance the worst financial decision I could make in my lifetime.

Looking further through the online plans on the exchange, I found another plan on the silver plans that got closer to my current plan, but still had really high out of pocket costs at $11,600 per year.  (See below)



Another thing to note is the deductible “per individual”.  That means no coverage for that individual until the deductible is met.  My old plan was at $5000.00 total out of pocket expenses but would cover things before the deductible was reached as well.  I would have to continue shopping for a higher priced plan to match what I currently had.    In order to get a plan that would match what I had, I would have to pay around $750.00 – $800.00.  That’s just shy of another house payment where I live.

The U.S. needs to wake up and stop trying out socialist programs such as these.  We don’t need these crazy programs to be like all the other countries.  Instead, doing the right thing would be to open up the competition and truly make it work.    We’re hurting everybody in the name of “compassion”, which is phony compassion at best.  Obamacare is headed to the disaster program known as single payer which is a government ran health care system.  It’s the equivalent of putting the entire U.S. on medicaid and then trying to say it’s still good health care.   It’s a program that will erode our freedoms and will make our once good insurance into a government owned disaster.   Most of us liked our insurance we’re still frustrated about the changes we’ve all had to make to accommodate  these poorly written laws.  Many of us want the ability to opt out or see the plan removed.   Why not open up the free market so we can buy a custom health plan to fit our needs instead of having it unnecessarily regulated by the government?   That’s the way I would solve this problem as well as removing health care from being connected to businesses to promote healthy competition.

As a reminder, here are some of the biggest lies we were told to pass this law:

  • “If you like your doctor, you can keep your doctor. ” – Lie
  • “If you like your health care plan, you can keep your health care plan.” – Lie
  • “Obamacare will cut the cost of your health care” – Lie

You can see more lies about Obamacare here.  If a business lied like the government did, they’d be sued to oblivion.  Time for real change and that is full repeal.


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