Will Obamacare's Federal Health Exchange Cost 5 Times More Than Estimates?

There's really no way to sugarcoat it -- it's been a very unimpressive and largely ugly start to the enrollment in Obamacare.

Between state and federally run exchanges, 10 of the state-run exchanges have reported some moderate levels of success as they deal with, in most cases, more sporadic and less serious glitches in their software. The federally run exchanges, on the other hand, have been the government's worst nightmare.

Composed of 36 states, Healthcare.gov has been a work in progress for the past 19 days with some people, like the Fool's own Steve Symington, seeing the off-gray screen of death for 30 minutes or more at a time. Despite the Department of Health and Human Services noting that some 17 million people had visited the federally run exchange since Oct. 1, HHS still refuses to report enrollment figures, only adding to the speculation that the magnitude of the glitches is keeping a good chunk of interested Americans on the sidelines, unable to sign up.

The other big concern here would be that these glitches are blocking the only chance Obamacare has of successfully courting healthy young adults which are needed to balance out the adverse selection process which will have the sickest and most in need of care people signing up for health insurance first. Since insurers can no longer deny coverage to those with preexisting conditions, this tech-savvy group of young adults might see these technology problems and simply give up for a very, very long time which would be extremely bad for the sake of Obamacare.

Federal health exchange costs are soaring
Then came yesterday's findings from NBC News that the contract which was divvied out to the U.S. arm of CGI Group (NYSE: GIB  ) to construct the architecture behind Healthcare.gov has more than tripled from a cost of $94 million in 2011 to a whopping $292 million as of May 2013.

Why has this cost ballooned so rapidly you ask? When the Patient Protection and Affordable Care Act, better known as Obamacare, was first signed into law in 2010, the expectation was that while some states would relent joining in, about half or even more states would opt into the system and design their own health exchange. That estimation versus what would actually happen weren't even in the same ballpark. Ultimately, only 16 states chose to design their own health exchange, and two of those states eventually dropped into the federal system since they didn't have the time to complete the build-out of their own health exchange. With 36 states and the government essentially gumming up the works for CGI Group, it's been unable to respond quickly enough to fix the log jam.

CGI isn't alone, though, as Experian and UnitedHealth Group (NYSE: UNH  ) subsidiary Optum (which owns Quality Software Services) have also come under fire. UnitedHealth's QSS, for instance, is responsible for certifying that health plans being offered on the exchanges remain in compliance with the rules set by the PPACA. The problem QSS is having is based on a combination of servers being overloaded and the architecture behind Healthcare.gov not navigating consumers properly throughout the system. You might say UnitedHealth's QSS is guilty by association, but it's nonetheless dealing with some finger-pointing.

Is there an end in sight?
The real concern here has to be the quickly rising costs associated with this rollout and when they might abate. You're probably familiar with the longtime business motto that "you have to spend money to make money." In this case it appears that the government is going to have to keep spending and spending, yet there's no guarantees that a near-term end to the glitches on the federally run exchanges are anywhere in sight.

Over less than a two-year period the projected Healthcare.gov costs rose 211% over initial projections. There's no reason to believe this won't scoot well past 400% by the time we get another update and approach close to $500 million. Obviously this is purely speculation on my part, but keep in mind that these estimates were taken in May, long before CGI Group was in crunch time and well before the government brought its last-minute changes to the table, which included pushing back the employer mandate for another year.

It's quite possible that between the changes the government has requested to Healthcare.gov, and the fact that 36 of 50 states are part of the federal system could balloon CGI's costs to get the federal site fully functional could swell well beyond $500 million. For CGI's shareholders, it's great news because it means added cash flow and a consistent backlog for the time being. However, negative publicity surrounding these glitches could ultimately come back to haunt some of the nation's leading exchange architects over the long run.

Xerox (NYSE: XRX  ) , as a perfect example, has brought numerous positives to the table for investors with the rollout of Obamacare. It should, theoretically, see a nice bump up in the number of Medicaid claims it's processing and it's been collecting electronic-health record incentives from the federal government on behalf of numerous states. Xerox was also the architect behind Nevada's state-run exchange, which has had its fair share of technical problems since the start with account creation, verification, and pricing problems, allowing just 700 people to sign up for health insurance after the first week, according to The Las Vegas Sun. Ultimately we're talking about one minor weakness for Xerox among a sea of positives recently, but it's PR flubs like this that can haunt a company for multiple quarters.

What does this all mean?
Overall, I think we can expect cost overruns and delays to become the norm -- at least through the end of the open enrollment period at the end of March. This isn't necessarily a knock against Obamacare so much as it's a knock against any social reform ever orchestrated by the government. Cost overruns and delays have occurred during the overhaul of practically every social reform, which means that investors probably shouldn't overreact too much in the near term to these short-term snafus.

Instead, I would use any weakness in software developers behind the health exchanges and other Obamacare-related companies to potentially look for buying opportunities. Xerox, for instance, hasn't demonstrated any visible weakness despite Nevada's technical problems, but its advances in other areas of its IT-business could certainly be a reason to go bargain hunting if its share price does come under pressure.

Obamacare's changes yield big investment opportunities
Healthcare as we know it is about to change. Do you know how the changes in the health-care law will affect you and your portfolio? If not, we're here to help: The Motley Fool has compiled a special new report filled with Everything You Need to Know About Obamacare. This report is a free offer from us to help you get educated on this important subject. Please click here to access your free copy.


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  • Report this Comment On October 19, 2013, at 6:32 PM, tbarbar90 wrote:

    Is anyone really surprised by this? When has the gov''t ever ran anything efficiently, on budget, on time?

    Instead of we have to pass it to find out what it is in it, it looks like we "have to fix it to see what else is broken"

  • Report this Comment On October 19, 2013, at 6:54 PM, theloyaldog wrote:

    People I know you all have good intentions , however do you all have any clue, what your good intention will cost each and everyone of you and your family, not to mention raising the debt to pay states the start up cost. You people worry about your SS. or Medicare do you know this will balloon the cost and soon deplete all the hard working people have paid into for years.Many companies have already done away with employee insurance due to the fine print and high cost, many have lost their Jobs due to Obamacare and now forced to pay the high monthly Premium or risk having the IRS sicked on them with fines and penalties or even loose their drivers license if they fail to pay, Boy I call this a nice loosing your job present. Ask yourself why would you want to loose your insurance you have or keep it and have your rates doubled, or loose your job and have to pay a ungodly Premium for each family member, all because there are some people out there with such disability that they couldn't get insurance all they had to do is sign up for disability which we already had in place, Oh yes and the people who ran up and capped out their insurance, wouldn't it make more sense to control medical cost than SCREW every American because a few capped out ? Oh yes the Illegals, are you people really that naive that you want part of your paycheck going to support someone that shouldn't even be in our Country.

    Bottom Line Obamacare will hurt everyone in this Country and needs to be abolished for the good of all. You cannot help the few that caused all this mess by destroying our Job Base and creating hardship on families.

  • Report this Comment On October 19, 2013, at 6:57 PM, ApolloOMD wrote:

    The answer to the Title of this article is yes, yes it will! I did not vote for Obama but I wanted him to succeed. The only success he is having is in destroying our economy. You have all heard the analogy of the house that has filled up to its ceiling with sewage. The question is do you pump out the sewage or do you raise the ceiling to make way for more sewage? Obama is raising the ceiling plain and simple. The plan is to eliminate the middle class and make this country completely reliant on a central government. That is the plan and its working!

  • Report this Comment On October 19, 2013, at 6:58 PM, Albert0Knox wrote:

    The federal website was only first intended as a backup. The state run sites are working but the federal site is overwhelmed by traffic from the poorer states (those with Republican governors).

  • Report this Comment On October 19, 2013, at 7:04 PM, bhart2408 wrote:

    Obamacare is nearly as big as a Joke as he is!

  • Report this Comment On October 19, 2013, at 7:04 PM, jlysk wrote:

    Already cost 600 million. Crashed. They hired a consultant, he reported that the website they had costs right at $800,000 to create. Where is the rest of the money and why is more money being spent on something that the money never goes toward?

    We need to start making these people show proof of where the money is going that they spend. We are help accountable daily for everything in our lives. It's time that we held them to the same standards.

  • Report this Comment On October 19, 2013, at 7:15 PM, ron2cu wrote:

    They keep doting on how many have "visited". I looked at it, so what? I will pay the $95 fine this year and next year change religions.

    It is far from "affordable". Sure, some the premiums are low especially with the subsidy....but the health insurance itself with the deductibles being as high as they are and the list of uncovered expenses is WAY over the top for someone in the mid $20,000 yearly income bracket. Have they even LOOKED at what the cost of living is in some states? I think not.

  • Report this Comment On October 19, 2013, at 7:21 PM, Baxter1939 wrote:

    There a lot of reasons why Obamacare is really a poor deal. It based on a tremendous burden being placed on a lot of functions.

    • Business, the one year delay. Keep in mind that a lot of costs being incurred in reading, chasing down all the references that were changed, trying to develop the necessary systems and just getting to a point of being able to make a decision as to initiate a insurance program, or adjust your existing insurance program or dropped it and take the penalties. Guess who going to be pay for all these costs, the people who buy their products are services, with increased prices.

    • Government, they not ready either. In order to determine if people meet the requirements for subsidies Obamacare computer systems must be able to check the people bank account to see their routine deposits, payroll or SS cash debt cards deposits and IRS & State income tax filings, along with their Employers payroll withhold filings and the new required, yet undeveloped, insurance filings. As we all know the Government has not been very successfully in getting computers systems between Government Departments to work together. They have been trying for years with the FBI, CIA & Others with little success.

    • People, many of the people have little knowledge of Obamacare, don’t have any clue as to where to find any information. And if they had a paper copy of the Obamacare Law and all the reference material that it changed or affected it would completely fill one room of their house or apartment. Many of the people are going to have to have help to even go through the sign up process, the same as many having to pay someone to do their IRS short form income tax return.

    The differences in cost just don’t disappear; somehow we all are going to pay.

    Obamacare will likely end of being the biggest TAX LAW ever pass by congress and signed into law by a president, AND maybe the biggest giveaway program in history.

  • Report this Comment On October 19, 2013, at 7:34 PM, stellar451 wrote:

    Albert0Know -

    The federal exchanges were intended only as a backup? Since when? If you mean "backup" as in if the states didn't come with a state exchange like Hawaii people could use a federal one - OK. If you are implying backup as in "this is being overwhelmed b/c it was never meant to carry this many people" - that is at best a flat deception.

    Oh, and Hawaii? Their state health exchange is live. You can apply, but you cant peruse plans - and that's one of the best ones i can find that run on the state level.

    I'm not sure whether you are simply misinformed or like the various outlets just placing blame on everything but the fact that this system was not even bug tested until months before roll out - my computer games get 2-3 years of testing before launch and there are still bugs! This isn't like medicare and SS with bipartisan support but misgivings - this was rammed through on party lines and will be made to continue regardless of cost.

    And we'll all pay for in one way or another later on.

  • Report this Comment On October 19, 2013, at 7:39 PM, spintreebob wrote:

    What is the cost of Freedom?

  • Report this Comment On October 19, 2013, at 7:46 PM, entitled wrote:

    Nancy Pelosi, when asked if there should be a delay says, 'nope because this is all about technology'.....Well Nancy, this is NOT about technology but about COMPETENCE and you folks have failed miserably......The Government, particulary Dumbocraps, isn't competent to pull this off in a coherent and sensible way. We've always intuitively known that, Nancy.....

  • Report this Comment On October 19, 2013, at 7:49 PM, 2smartforlibs wrote:

    OMG the liberal lapdog media lied and the you in the low information crowd lap it up like milk. Time the low information crowd took some education from the rest of us rather than steal our hard earned money

  • Report this Comment On October 19, 2013, at 7:49 PM, rukidnme wrote:

    They paid how much for the website to be built? And how much has this whole thing cost so far? And how much more is it projected to cost? Seems the grand total itself of these costs might well have gone a long way towards providing healthcare for all.

  • Report this Comment On October 19, 2013, at 7:55 PM, davidzzz wrote:

    Hillary/Davis 2016 Yea!!!

  • Report this Comment On October 19, 2013, at 7:59 PM, kristy16 wrote:

    What a shame for the middle class worker bees who are self employed.

  • Report this Comment On October 19, 2013, at 8:01 PM, PaulK00 wrote:

    #1. There is no real evidence that this law resulted in job loss. Only speculation and threats.

    #2. I'm no fan of big government, but remember, this software was contracted out to a private company. It was not government written.

    #3. What software did they use in MA? It obviously is working there.

  • Report this Comment On October 19, 2013, at 8:01 PM, PaulK00 wrote:

    What does this law do to self-employed workers?

  • Report this Comment On October 19, 2013, at 8:18 PM, ArxFerrum wrote:

    12 to 18 months and ACA will collapse on itself.

  • Report this Comment On October 19, 2013, at 8:32 PM, carletha wrote:

    Is there ANYTHING that the Federal Govt does with OUR TAXPAYER MONEY that doesn't end up cost US at LEAST 5X what they lie to us and say it will?

  • Report this Comment On October 19, 2013, at 10:08 PM, airjackie wrote:

    NBC and Americans heard Iraq would cost hardly anything and we would be out of there in 6 weeks. Well no problem with being in Iraq for 7 years and wasting 3 Trillion dollars. Now comes health care for American people and how dare the government waste taxpayers money on taxpayers. Americans saw a Recession in 2008 and wow jobs, homes and economy lost but notice how the Congress each year including 2013 gave Israel an aid check.

  • Report this Comment On October 19, 2013, at 10:16 PM, allenmet wrote:

    Of course it will. Obama gave us a figure, you know it's a lie. Anything this bum tells you is a lie.

  • Report this Comment On October 19, 2013, at 10:29 PM, GhostdogWarrior wrote:

    Goverment underestimating costs? Well there;s a first time for everything..... VOTE ALL INCUMBENTS OUT AND GET A NEW PARTY. THESE CRETINS NEED TO GO

  • Report this Comment On October 19, 2013, at 10:42 PM, roger142 wrote:

    I completely disagree with taxing some one because they did not buy a government mandated product. But I still support the ACA because finally after 40 years of soaring hospital cost, some one, aka, P Obama, finally did some thing about it.

    In 1960 a basic child birth in a hospital with a five night stay cost $175. The average middle class male made $100 a week at the time. Today a non complicated birth with 1 night in the hospital cost $12,000. The average person makes $842 a week.

    In the 1970's health insurance was referred to as "hospitalization." The reason being is because the word co pay had not been invented yet, and most people could afford to pay $10 out of pocket to see their doctor.

    The funny thing about health insurance today is people want it to cover everything, because the average American is so broke they can barely afford a $35 co pay.

    The punch line is the medical industry lobbyist have your favorite politician in their pocket. So the only people today that can actually negotiate hospital cost are the insurance companies.

    Any way, my point is that on October 3, I called up a broker and they emailed me back some information, and if I live long enough, I will have health insurance again January 1, for $275 a month, which is half what the exchange rate is. But I will not be taking advantage of the subsidy.

    My deductible is only $6250, and all I presently need medically is a past due tetanus shot.

    The future is unwritten.

    Have a nice weekend.

  • Report this Comment On October 19, 2013, at 11:19 PM, DaSky wrote:

    It could cost the U.S. its sovereignty, as socialism always fails over time!

  • Report this Comment On October 20, 2013, at 12:14 AM, DavyJonesLocker wrote:

    What do I care if the system goes broke. The youngsters who all voted for Obama will pay the bill.

  • Report this Comment On October 20, 2013, at 12:27 AM, marain wrote:

    "You have to pass the bill to see what's in it." - Nancy Pelosi, Former Speaker Of The House.

    This statement would come under the heading Famous Last Words. Because if they had taken the time to read the bill, somebody might have noticed that there was no requirement for States to run their own exchanges. Which is why so many have decided to let the feds bear the expense, which has to be paid for by Congress, who will have to get the extra money from the same people who are already seeing their insurance premiums tripling and quadrupling. A cost of $500 million? Try the mid-terms and the next Presidential election.

  • Report this Comment On October 20, 2013, at 1:05 AM, Robnati wrote:

    How to profit form Obamacare?? Buy treasuries and sell everything else.

  • Report this Comment On October 20, 2013, at 3:27 AM, 1995yoshi wrote:

    I don't think regulating insurance companies will fix anything. Why is a hospital bill here significantly higher for the same surgical procedure or medicine than other countries? It just seems like our government is trying to improve a roof to a house that needs a new foundation. Only time will tell if this affordable health care act will succeed...

  • Report this Comment On October 20, 2013, at 8:11 AM, nomoreincubents wrote:

    I just went to my employeer website and entered information about the upcoming open enrollment for health care. this year my out of pocket deductible was 3000 dollars starting on jan 1 2014 it will change to 16000 dollars a year. they blamed it on the new aca from president Obama the new regulations in obamacare have made the cost go thru the roof. my month premiums are going from 28 dollars a paycheck every two weeks to 85 dollars a pay check every two weeks. OH WAIT that's for full time employees I am part time and I am no longer going to be insurable through the company I work for because of the requirements being imposed upon employers and insurance companies through obamacare. They both insurance company and my employer have informed all part time employees who were paying for health care that we were no longer affordable because of the aca obamacare law. I thought that according to bozo the clown in the white house that if you currently have health insurance you would be covered because your employeer could not deny you your health care coverage that you would be able to keep your doctor or hospital that you currently go to if you need to. well according to the company website my doctor and hospital are no longer a part of the aca we would no longer be able to use our doctor or hospital. thanks a lot you lying piece of crap president.

  • Report this Comment On October 20, 2013, at 8:41 AM, ronboltp wrote:

    I am sure Obama doesn't care how much it costs. I don't think his priority is affordable healthcare. Everything liberals do is for control, it's straight out of Lenin's book.

  • Report this Comment On October 20, 2013, at 8:57 AM, floydhowardjr wrote:

    You don't think they lied about the cost just to get it passed, do you? Did they? What now?

  • Report this Comment On October 20, 2013, at 9:25 AM, HHCOLA wrote:

    The shutdown cost us $24billion- and it didn't do anything for anyone except Ted Cruz. Even if the healthcare law doubles from 292 to $600 million. Still chump change compared to what republicans spend on their tantrums.

  • Report this Comment On October 20, 2013, at 9:42 AM, lftrogg wrote:

    5 times more??? Hmmm. Probably best to ask the Republicans or FOX News. They have all the "facts" from the evidence free zone.

  • Report this Comment On October 20, 2013, at 9:46 AM, redtruckdan wrote:

    Yes it's a horrible roll-out by anyones standards and yes in the end it will cost 10 times more than they told us it would.

    BUT, my question is? How the heck are we going to pay for another behemoth entitlement when we can't fund medi-care and SS.

    People call the tea party crazy! NO! ignoring 90 trill in unfunded liabilities while raising a behemoth entitlement health-care for everyone! IS CRAZY

    we ruined our housing market; nearly took our country to the brink and over in 2008 with the common thought that 'everyone should own a home'. Now I think our dear leaders and compassionate citizens will destroy health-care while trying to give everyone health-care just as they destroyed our economy with the housing debacle. It's the same thing just a deferent industry. It's disturbing? the only industry that was rocking was health-care and we just put a huge boot on it. Stomping it out. Say bye-bye to health-care the government just came to town.

  • Report this Comment On October 20, 2013, at 10:32 AM, jonesmary1957 wrote:

    The part of the bill that need work is pay or be fined.You are the MEN and WOMEN the people sent to Washington to help us not have tantrums like childrens. Wake up people and talk to each other, and say this is the part of the Affordable Health Care that I don't like and this is why. The Republican Party is planing Premeditate Murder on the old American on Medicare by want to give up vouchers to buy any insurance. Thank everyone if the Affordable Health care do not past the insurance Companies can turn down any one with a terminal illiness or End Stage Kidney problems. Thank about what that $25 Bil cost the gov that money could have been use for good thing . Maybe we need all women in Washington.

  • Report this Comment On October 20, 2013, at 11:00 AM, sogole wrote:

    This AHC will not end well.

  • Report this Comment On October 20, 2013, at 11:08 AM, flakyme wrote:

    to davidzzz:

    You need to read this true account of what happened to our

    Ambassador Stevens and the other 3 who died. If this doesn't make

    you mad...............Cynthia Lee Myers Wanted to share the

    truth of what happened over in Libya, you will not find this in the media

    yet but it airs tonight on FNC.....please read....

    "Here is my story. A week out the Embassy in Tripoli began

    receiving multiple tips about an Al Queda cell in the area planning

    an attack on 9/11 in response to the killing of Bin Laden. For the next several

    days, the state dept and WH were asked for a security force

    and were denied at least six times. Ambassador Stevens and his team

    were given the all clear that the Consulate in Benghazi was safe and

    there was no need for a security force other than his 3 personal

    guards(One being my cousin) and a few Libyans who were not

    armed.

    Then the attack and murders occurred. Immediately the WH

    claimed it was a protest gone bad over a you tube video. Obama made a

    quick speech in the Rose Garden on Sept.12 before catching a

    plane to Vegas to campaign. He made a generic statement at the end of his

    speech after placing the blame on an overheated protest over the

    video. He said "No act of terror will shake the resolve of America.

    Later that day and over the next 2 days, the liberal media began

    saying Ambassador Stevens and the other 3 men died of smoke

    inhalation. This was not the case.

    Out of respect for my cousin, I'm not going to be specific

    about his murder. However Ambassador Stevens was brutally murdered.

    His genitals were cut off, he was sodomized and beaten and cut and

    stabbed and burned. He was drug thru the streets and left for dead.

    This is eyewitness testimony of a local Dr. who found the

    Ambassador in a ditch and tried to save his life. He had no idea who he

    was. The other 3 men, including my cousin, met similar fates. And deaths

    due to smoke inhalation is a 100% fabricated LIE. The next week I drove

    my aunt and Uncle and 2 others to DC to receive his body. We met with

    Hillary, Panetta, and Susan Rice. ALL of whom apologized and said it

    was a protest gone bad over a video and exited the area. Next

    Obama entered with the same story and didn't apologize and wasn't

    sympathetic. My aunt cried to this man and all he did was hand her flowers

    and walk away. I tried to get his attention, but didn't. I got upset

    and yelled liar to him, he kept walking. Then a secret service agent

    grabbed my arm and led me to a room where I was held till the

    proceedings were over.

    America, I saw firsthand how cold this man is. What kind of

    liar he is. Most of you haven't a clue about this tyrant and yet

    you support him. And act like every word he says is Gospel. These

    murders and the fast and furious cover ups make water gate look like, a kid

    who told his bff's secret to the class.

    THIS PART YOU DON'T KNOW, BUT SHOULD.

    AMERICAN VALOR, BENGHAZI, LIBYA:

    The stunning part of this story is that Tyrone Woods and

    Glen Doherty killed 60 of the attacking force. Once the compound was

    overrun, the attackers were incensed to discover that just two men had

    inflicted so much death and destruction.

    The news has been full of the attacks on our embassies

    throughout the Muslim world, and in particular, the deaths of Ambassador

    Chris Stevens and three others in Benghazi, Libya. However,

    there's a little known story of incredible bravery, heroics, and courage

    that should be the top story.

    So what actually happened at the U.S. embassy in Libya? We

    are learning more about this every day. Ambassador Stevens and

    Foreign Service officer Sean Smith, along with administrative

    staff, were working out of temporary quarters due to the fact that in

    the spring of 2011 during the so-called Arab Spring, the United States

    cut ties with then president Moammar Gadhafi. Our embassy was looted

    and ransacked, causing it to be unusable. It is still in a

    state of disrepair.

    Security for embassies and their personnel is to be

    provided by the host nation. Since Libya has gone through a civil war of

    sorts in the past 18 months, the current government is very unstable,

    and therefore, unreliable.

    A well-organized attack by radical Muslims was planned

    specifically targeting the temporary U.S. embassy building. The Libyan

    security force that was in place to protect our people deserted

    their post, or joined the attacking force. Either way, our people were in

    a real fix.

    And it should be noted that Ambassador Stevens had

    mentioned on more than one occasion to Secretary of State Hillary Clinton,

    that he was quite concerned for his personal safety and the welfare of

    his people.

    It is thought that Ambassador Stevens was on a "hit

    list". A short distance from the American compound, two Americans

    were sleeping. They were in Libya as independent contractors

    working an assignment totally unrelated to our embassy. They also

    happened to be former Navy Seals.

    When they heard the noise coming from the attack on our

    embassy, as you would expect from highly trained warriors, they ran to

    the fight. Apparently, they had no weapons, but seeing the Libyan

    guards dropping their guns in their haste in fleeing the scene, Tyrone

    Woods and Glen Doherty snatched up several of these discarded weapons and

    prepared to defend the American compound.

    Not knowing exactly what was taking place, the two Seals

    set up a defensive perimeter. Unfortunately Ambassador Stevens was

    already gravely injured, and Foreign Service officer, Sean Smith,

    was dead. However, due to their quick action and suppressive fire,

    twenty administrative personnel in the embassy were able to escape

    to safety. (But all have been silenced and kept away from congress and all

    investigations on Benghazi!!) Eventually, these two courageous men were

    overwhelmed by the sheer numbers brought against them, an enemy force numbering

    between 100 to 200 attackers which came in two waves. But the stunning

    part of the story is that Tyrone Woods and Glen Doherty killed 60 of

    the attacking force. Once the compound was overrun, the attackers were

    incensed to discover that just two men had inflicted so much death and

    destruction.

    As it became apparent to these selfless heroes, they were

    definitely going to lose their lives unless some reinforcements showed

    up in a hurry. As we know now, that was not to be. I'm fairly

    certain they knew they were going to die in this gun fight, but not

    before they took a whole lot of bad guys with them!

    Consider these tenets of the Navy SEAL Code:

    1) Loyalty to Country, Team and Teammate,

    2) Serve with Honor and Integrity On and Off the Battlefield,

    3) Ready to Lead, Ready to Follow, Never Quit,

    4) Take responsibility for your actions and the actions of your

    teammates,

    5) Excel as Warriors through Discipline and

    Innovation,

    6) Train for War, Fight to Win, Defeat our Nation's

    Enemies, and...

    7) Earn your Trident every day

    (http://www.navyseals.com/seal-code-warrior-creed).

    Thank you, Tyrone and Glen. To the very last breath, you

    both lived up to the SEAL Code. You served all of us well. You were

    courageous in the face of certain death.

    And Tyrone, even though you never got to hold your newborn

    son, he will grow up knowing the character and quality of his

    father, a man among men who sacrificed himself defending

    others.

    Dr. Charles R. Roots

    Senior Pastor

    Former Staff Sergeant,

    USMC Captain,

    U. S. Navy Chaplain Corps (Ret.)

    This should be passed on and on and on.

    NO TRUE AMERICAN WOULD OBJECT TO RECEIVING THIS MORE THAN

    ONCE ... SO

    PASS IT ON And Let us never forget Hillary Clinton's

    Comment "What Difference Does It Make?"

    And she wants to be our next president!

  • Report this Comment On October 20, 2013, at 11:34 AM, Psychoderelict wrote:

    Everyone needs to re-read the 2006 book The Shadow Party. Obamacare is a Soros worldwide scam to start program funding, like TARP, where government money is appropriated, then disbursed, with NO ACCOUNTABILITY. (Think Navigators, here). The money then trickles into all the Progressive New World Order movements and is used to hire and promote thousands of minnions that will eventually effect world change. Where has the $800 MM gone to implement Obamacare, and who is FOLLOWING the Money? Like Solyndra, Obamacare will collapse on its own, but the money will be gone.

  • Report this Comment On October 20, 2013, at 12:04 PM, drakeiverson wrote:

    Why isn’t anyone talking about “Romneycare”? During his presidential run, Mitt Romney couldn’t boast enough about how he authored and launched the single-payer, affordable health care program in his home state of Massachusetts. And the truth is…it IS a highly successful program, and it IS self-sustaining, and according to a recent poll 86% of the people enrolled in it ARE very happy with it.

    So, why aren’t the Obamacare haters (aka Republicans) singing the praises of their “home boy’s” triumphant health care program? WHY? Because, even though Obamacare was created almost point for point from the Romneycare blueprint, it is still viewed as a “DEMOCRATIC” entity, and the GOP is more concerned about destroying everything Obama-related than it is helping to build a nationwide healthcare system that would help ALL Americans.

    If anything sounded treasonous or “terroristic” in nature, it is the way the Republicans are deliberately subverting and sabotaging the President of the United States of America at every possible turn. We are on the brink of making history by putting comprehensive healthcare within the reach of every American citizen. Yet all the Republican party wants to do is DESTROY OBAMA AT ALL COST! And they don’t seem to care who must suffer in the process. (But then, why should THEY worry? They know they are guaranteed HEALTHCARE BENEFITS FOR LIFE—all at taxpayers’ expense!!!)

  • Report this Comment On October 20, 2013, at 2:41 PM, LibsSuck wrote:

    You mean something Obama planned did not work out right? WELL, LET ME PUT ON MY SHOCK FACE!!!!

  • Report this Comment On October 29, 2013, at 3:37 PM, joem789 wrote:

    I, like many others in the country, had complained about not having healthcare for years. But fast forward. I have learned alot of valuable lessons about politics and corporations. This includes doctors and hospitals. I personally don't want in on the scheme of it all. This Obamacare is nothing but a dark policy in disguise. The reason why its so many pages long. Did anyone take the time to read it? I bet the millions trying to sign up for it didn't read anything. The lowest deductible for the insurance plans is $2000. That's ridiculous. Not good insurance. Just another political scheme. You people need to become wise. Stop being fools. They know you're being fools. Because they thrive on it. Only a fool would vote. Instead, you should be helping to eradicate the government.

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