Could Obamacare Actually Fall Apart?

The past seven weeks have been about as challenging of a start to Obamacare enrollments as states and the Obama administration could have imagined. Between a number of technical problems with the federally run health exchange, Healthcare.gov, coupled with a still large number of uninsured people with little to no knowledge of the Patient Protection and Affordable Care Act, the cries of the opposition are growing.

Last week's official enrollment figures only fueled the calls for repeal as the final enrollment tally of 106,185 for the first 33 days was well below most already lowered expectations -- especially given that there are 50.25 million uninsured people in this country. This miserable start and recent data forces us to ask: Could Obamacare actually fall apart?

The case against Obamacare is mounting
Before I attempt to answer this question, let me impart a few events that even lead to the presumption of the idea that Obamacare could unravel.

First, there have been a number of delays not only with the technology governing the health exchanges themselves, but also in the regulations behind the PPACA. For instance, in early July the Obama administration announced that it was pushing back the enforcement of the employer mandate -- which requires businesses of 50 or more full-time employees to offer those employees health insurance or potentially face a penalty ranging from $2,000 to $3,000 per employee -- a full year to Jan. 1, 2015.

More recently, President Obama suggested a change that would need to be enacted on a state level whereby people could keep their current insurance plan, even if it didn't meet the more stringent requirements under the PPACA for another 12 months (i.e., through 2014). These delays demonstrate inconsistencies with the original timeline of the law and impart an inability to stay on schedule, which threatens the enforceability of the law itself.

Second, we have the technical problems themselves. The lack of a quick fix for Healthcare.gov has created a situation where even if the exchange is brought back online, we have to wonder if there will be enough time before the coverage cutoff date for individuals to sign up for health insurance. If there isn't enough time, we're then talking about a delay to at least some aspects of the individual mandate, which brings us back to the first point of not staying on schedule.

The third troublesome point is just how little research seems to have gone into critical aspects of this launch from the perspective of the government. While the onus of blame for the poorly written source code on Healthcare.gov does lie with its architect, CGI Group, practically every contractor that has testified before a Congressional panel has stated that the government didn't allot enough time for system testing before launch.

Likewise, Obama's apology to the American people who are having their insurance plans cancelled because they don't meet PPACA requirements is another clue that strategists failed to account for the reaction of insurers and individuals who sought out cheaper insurance plans.

Finally, there are concerns that people will simply not sign up, especially young adults, who are critical to the success of Obamacare. As I mentioned, knowledge of the law is still pretty dismal, and the penalty for going the year without insurance is so inordinately small relative to the cost of purchasing health insurance each month that many young adults are likely to opt for the penalty -- at least for the first year or two.

Source: Chris, Flickr.

Could Obamacare actually fall apart?
Now back to our original question: Could Obamacare fall apart?

Putting the party rhetoric on the back burner and getting down to the bare-bones facts of what's happened under this transformative health law, it appears that Obamacare is still on solid ground to move forward. However, what I will say is that Obamacare has gone from having practically no chance of falling apart just weeks ago to a figure that is clearly not zero any longer.

Yet regardless of our personal opinions about Obamacare, the health-care industry appears far too invested in this health reform for the government and supporters to simply give up on it now -- and that's what really matters.

As a reminder, let's not forget that some of our nation's largest insurers made gigantic purchases -- WellPoint (NYSE: WLP  ) buying Amerigroup for $4.5 billion, CIGNA (NYSE: CI  ) gobbling up Healthspring for $3.8 billion, and Aetna (NYSE: AET  ) acquiring Coventry Health Care for $5.6 billion -- specifically with Obamacare's Medicaid expansion in mind. Without that expansion, the lofty premiums paid here for these Medicaid-based insurers could hamper growth for years. In other words, insurers are just as invested in Obamacare's success now as supporters of the law are.

The same goes for hospital operators such as HCA Holdings (NYSE: HCA  ) and Tenet Healthcare (NYSE: THC  ) , which have been instituting cost-saving cloud-based applications and shifting to an all-electronic records platform in anticipation of an influx of newly insured patients and in an effort to improve operating efficiency. These hospitals are counting on a reduction in the number of uninsured people that need treatment so that their percentage of doubtful revenue compared to total revenue drops, thus boosting profits.

With the bulk of the health-care industry preparing for years in advance of the implementation of Obamacare, there doesn't seem to be any reason insurers or hospital operators would prefer to see it repealed now. Clearly, things are going to need to start going right for Obamacare if it's to be successful, starting with a fix of Healthcare.gov, but what's not failing is the idea that a more universal health plan is needed for the people of this country, which, at the moment, Obamacare does offer a promise to take care of.

Curious about the ins and outs of Obamacare? Let us help!
Obamacare seems complex, but it doesn't have to be. In only minutes, you can learn the critical facts you need to know in a special free report called "Everything You Need to Know About Obamacare." But don't hesitate, because it's not often that we release a free guide containing this much information and money-making advice. Please click here to access your free copy.


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  • Report this Comment On November 17, 2013, at 1:42 PM, 21Bob21 wrote:

    DC insurance commissioner fired after criticizing president’s proposed ObamaCare fix....

    no free speech for liberals!

  • Report this Comment On November 17, 2013, at 1:45 PM, MindyBaker wrote:

    What's to fall apart? It was all lies from the get go.

    - you can keep your doctor (lie)

    - you can keep your insurance (lie)

    - $2,500 premium savings (lie)

    - revenue neutral (lie)

    - better insurance (with new deductibles, seems like no insurance) (lie)

  • Report this Comment On November 17, 2013, at 1:50 PM, strifle wrote:

    enoooooooooooouuuuuuuuuuuuugh................

  • Report this Comment On November 17, 2013, at 1:51 PM, jimstaro wrote:

    Insurance companies had plenty of time to redo policies, and to warn new holders, as they kept selling the same full term policies, they didn't cover fully the law implementation coming, and keep their customers informed of same!! They could have also informed, in that time, the possible changes needed and possible costs rise or fall, in outline and warning they were just the possibilities, as they themselves were working towards the new law. Instead they did what they do well, kept selling the mostly pure bottom line profit plans that they were already cutting off holders of if expensive health care needs arose or were refusing to cover same, had been for years!!

    "Why Republicans Suddenly Care About Canceled Health Policies"

    "The outpouring of noble sentiment would be laudable — indeed, long overdue — if only there were reason to believe these protestations are sincere. Sadly, the evidence points in the opposite direction, for a single obvious reason: Millions of people in this country have been losing health insurance for years, resulting in many thousands of serious illnesses, bankruptcies and early deaths. But until insurance cancellations became a political embarrassment for President Barack Obama, the usual right-wing reaction was silence. (Except for that awkward and revealing outburst during the 2012 Republican debates when a live audience howled its approval for the "let him die" plan.)>>>"

    Same for the private, six of them, government contractors to build a good, at least, product, plenty of time. Instead they allowed the government to release the crap they had built. Instead of getting reprimanded by their investors, especially, their stocks went up and the usual excuses from the highly compensated execs fill the meme's. With help from the detractors, some 47 votes to ablolish the law in the congressional House while the country still waits for them to actually do their jobs, and even the corporate owned media outlets!!

    "Health-care Web site’s lead contractor employs executives from troubled IT company"

    "16 November 2013 - The lead contractor on the dysfunctional Web site for the Affordable Care Act is filled with executives from a company that mishandled at least 20 other government IT projects, including a flawed effort to automate retirement benefits for millions of federal workers, documents and interviews show.>>>"

    And the states, mostly teapub, that choose not to receive their residents tax payments back for Medicaid expansion, choose instead the 'death panels' of choice, which wil cost policy holders and tax payers much more then any taxes!!

  • Report this Comment On November 17, 2013, at 1:55 PM, starman0825 wrote:

    The REAL problem is the rate increases us small businesses are getting. I have a GOOD Blue Cross plan for my five employees and own a wine store. We just got notified Blue Cross is raising our rates 50 percent in August of 2014. We have never had more than a two percent increase in the same plan for the last fifteen years.

    This can not stand , they are screwing all the small businesses . Way to go Democrats now we not only have to dodge Republican big businesses like Walmart now the Democrats are ruining us.

  • Report this Comment On November 17, 2013, at 1:57 PM, johnryzek wrote:

    Will OBAMACARE fall apart? More appropriate question; Will America, fall apart with such foolish leadership?

  • Report this Comment On November 17, 2013, at 2:01 PM, JRS4 wrote:

    It will fall apart in 2 - 3 years because it does not meet the insurance needs of many.

    Insurance companies didn't think that the rollout would be so bad, which will definitely affect the first year. Insurance companies will get reimbursed if they don't make enough money in the first year.

    It is highly unlikely insurance companies will ever make a profit because:

    > enforcing the tax penalty is not going to be easy.

    > many young people, and others, will forego insurance until they need it.

    As this unfolds insurance companies will raise premiums and deductibles. Eventually you will see less and less people insured - then adios (goodbye)!

  • Report this Comment On November 17, 2013, at 2:04 PM, randywa wrote:

    Many Americans hope it will fail. But that will not help all the folks who lost there insurance because of this abomination of a law. But it seems to be doomed if the young folks refuse to get it and just pay the penalty. Glad I do not have to get it because according to the V.A. I already have the minimum required Health Care. And do not have to apply for this garbage. Plus I just got Medical through my employer.

  • Report this Comment On November 17, 2013, at 2:07 PM, jovin wrote:

    That has got to be the most foolish headline to be written this year, ya think?

  • Report this Comment On November 17, 2013, at 2:10 PM, JRS4 wrote:

    To jimstaro - Republicans know that the insurance business is a complex thing. When you change something it should be better. Republicans talked about the individual mandate as well in the 1990s and gave it up.

    Each state regulated the insurance market, now the federal government has piled on. No way can a government run the health care business.

    Obama added a grand room to a house that was already burning. He didn't fix the problem, he exacerbated it!

    Yeah keep giving this chump a pass. America is losing!

  • Report this Comment On November 17, 2013, at 2:11 PM, vet212 wrote:

    It never was together and was never intended to work

  • Report this Comment On November 17, 2013, at 2:11 PM, thecarnivore123 wrote:

    Could fall apart? It was built smashed and broken in the first place, four years ago. It has never been together ... it is fatally flawed and was built that way to deliberately put the country on the path to single payer. It can't fall apart when it was never together in the first place.

  • Report this Comment On November 17, 2013, at 2:15 PM, johnestromjr wrote:

    ObamaCare is insane and could never work. The plan forced insurance companies to provide a laundry list of coverages that everyone had to buy - for example, gynecological care for men and prostate exams for women. Stupid. Then we were told we would pay less for health care than we paid in the past. And we were told we could keep our doctor AND our plan if we preferred. All lies.

    It's impossible to keep your plan because, as a part of ObamaCare, EVERY plan had to cover everything. So every person's plan would and had to change to comply with the law. How can you keep "the plan you liked" while also receiving additional coverages you never had? Impossible. And how could insurance companies offer those additional coverages for less than the client was previously paying. And why should the young and healthy subsidize the old or those with pre-existing conditions while at the same time paying an average of $2500 per person less? Again, impossible.

    But there were the lies we were fed by President Barack Obama - time after time after time. There were no "qualifiers". He lied and he knew it - three years ago.

  • Report this Comment On November 17, 2013, at 2:18 PM, Barmil wrote:

    How is it that this turkey of a law is still trying to be salvaged?

    It flopped big time,we were lied to by our leaders, They were no were close to being ready to implement this law.

    We are spending millions to repair a dead on arrival computer program, for what? A political party parties credibility? Am I going to have to pay for the repairs? I better not be taxed a third time on this Obamacare. Pay for an increase for the health care plan offered at work with a nose bleed copay! Taxed if I don't buy.

    Taxed to cover the first couple of years if the insurance companies can't cover the expense.

    And possibly a tax for the repairs.

    How much more money do I need to bleed for this law?

    We have a balanced budget dead line to contend with very soon and we are blowing precious time on this fiasco.

    Time to knock heads together in D.C. but I'm afraid they will make something else worse!

  • Report this Comment On November 17, 2013, at 2:23 PM, dnoggle wrote:

    I want the ACA to flourish!!! Not one of you out there can assure what an insurance company is going to do with your healthcare. That is why this law is so important for all of us for our futures, because no one can lose their healthcare when they need it the most. Down the road with the changes more and more doctors will accept their patients back, and if they do not, it surprises me because most doctors who accept medicaid and medicare accept the changes and will accept your new insurance if your old one does not want to put you back on. This time, read the fine print on your insurance paperwork, it will surprise you what you were spending your monthly payments on.

    It is not the President's fault, it it the insurance companies fault if they do not want to comply with the law. In the 90's and 80's, when I worked I was always getting kicked off of my policies, especially after I had become ill and would have to be hospitalized for something, and as I grew older, which most of these people do not realize the more you have health problems, the more they kick you off. I ended up having to go to clinics for dental care and for women's health issues because I could not longer get insurance coverage and that was when I started to enter my 50's.

  • Report this Comment On November 17, 2013, at 2:23 PM, RecognizedExpert wrote:

    I think the web site developers are Republicans.

  • Report this Comment On November 17, 2013, at 2:31 PM, turner wrote:

    It's a shame the American people did not listen to what he was saying about Health Care. Not only are we going to lose our policy's but in a few years we will notice the decline in doctors and hospitals closing. Socialized medicine does not work. Look at Canada France and England. Do we want not having a place to go. Why are we going backwards instead of forward?

  • Report this Comment On November 17, 2013, at 2:40 PM, JePonce wrote:

    Obamacare, a domestic and an international disaster!

    It is well documented that Obama deliberately lied to the citizens to advance Obamacare, which is merely another Democrat tax redistribution program. His constant mantra of “If you like your policy, you can keep your policy. Period! If you like your Doctor, you can keep your Doctor. Period! The average insured will save $2,500 per year,” proved unequivocally not true. All Congressional Democrats participated in the lie, and voted for it.

    This transgression is not just a domestic issue, but a major international issue carried in the news papers of most countries in the world. What confidence can our allied leaders have in the words of our president with regard to the U.S. being a reliable arbitrator over Iran, the Middle-east, free trade, world economic matters, and the many other issues that extend beyond our borders? How can our enemies capitalize by knowing that the words of the most powerful Leader in the free world may be untrue?

    When you add the Obama international spying scandal, one can imagine that our President has set back international relations 100 years.

    President Obama will not just be judged by the 51 percent of Americans that voted for him, and the 49 percent that voted against him, he will be judged by the citizens of the world.

    How do we, as a nation, recover from this disaster?

  • Report this Comment On November 17, 2013, at 2:44 PM, airjackie wrote:

    You hear the fake religious nuts say Rape is God's Blessing, nut job Senator Cruz calls himself the anointed one Jesus and Mark Sanford cheated on his wife for 9 years and said God forgive him and wants the people to vote for him as Congressmen. Well faith is strange and for all the paid Journalist/Media that spin the hate for Obamacare to help the Tea Party/Republicans. We are having disasters that will cause injuries and people will learn first hand how important Obamacare is. Yes none of the lawmakers will reach out to help those who supported the repeal of Obamacare and the people like always have to learn what they have been fooled by lawmakers/Media/Journalist. What I noticed is how Dick Cheney got free health care from taxpayers with his 6 heart attacks and even billed the taxpayers for his new heart that cost 997,000 dollars but feels Americans should take care of their own medical needs and should not use the money they have paid into the government

  • Report this Comment On November 17, 2013, at 2:50 PM, JCarterLA wrote:

    The entire purpose of this website is to lure ridiculous idiots into making stupid comments to entertain us normal people. Please continue.

  • Report this Comment On November 17, 2013, at 2:56 PM, Mathman6577 wrote:

    I agree with vet 212. It started falling apart when the law was passed.

  • Report this Comment On November 17, 2013, at 3:08 PM, Foreeverlong wrote:

    ACA is severely flawed both in concept and in roll-out. We should have only covered those that qualified in the U.S. to have insurance by expanding Medicaid, and not trying to overhaul the entire healthcare system. Stupid, and unaffordable.

    Fixing the ACA website by yearend is unlikely, and affordably operating ObamaCare is a pipe dream in IMO. Could lead to a single payer system, and a remarkably bad deterioration in the quality of care in the U.S. There is no "ownership" in government operated programs. Look anywhere in the world, and you will see this proven out in healthcare. What a mess!

    Hospital management stocks like Tenet with the ACA roll-out problems has plummeted in PPS from $49 PPS to $42.30. Now could fall to mid-$30's. I have already started to liquidate my shares.

  • Report this Comment On November 17, 2013, at 3:16 PM, ihpep1 wrote:

    It's not the president's fault - it's the FOOLS who voted for a candidate who has absolutely NO business experience and NO business being a president. The act needs to be renamed NObama Care.

  • Report this Comment On November 17, 2013, at 3:17 PM, sagehopper wrote:

    Implode under the weight of its own bureaucracy and rules wd be a better term..end result, same.

  • Report this Comment On November 17, 2013, at 3:19 PM, nadSda wrote:

    Can it fail? Are you kidding!?!?

  • Report this Comment On November 17, 2013, at 3:19 PM, DJDynamicNC wrote:

    ^^^ Something my business doesn't have to worry about in Canada, where everyone is covered directly by the government.

    It's a huge relief, both financially and from a humane perspective.

  • Report this Comment On November 17, 2013, at 3:19 PM, glenns45 wrote:

    We are headed to a socialist society, Resistance to Tyrants is obedience to God. Thomas Jefferson

  • Report this Comment On November 17, 2013, at 3:20 PM, DJDynamicNC wrote:

    Woops, didn't realize so many people would comment between me and Starman.

  • Report this Comment On November 17, 2013, at 3:20 PM, DJDynamicNC wrote:

    Glenn, "Socialist society" is a redundant phrase. All societies are socialist - that's what makes them societies. Some are just more socialist than others.

  • Report this Comment On November 17, 2013, at 3:21 PM, ihpep1 wrote:

    For those small businesses who are receiving a high double-digit increase when you've been used to receiving less than 10%, I feel for you. However, most likely your starting rates were too low to begin with. Smaller sized groups are usually rated by industry and demographics and share a pooled rate using those factors. So while a high increase is difficult to accept, there are MANY other companies of your same size that have been paying higher rates for years. Welcome to reality.

  • Report this Comment On November 17, 2013, at 3:35 PM, Foreeverlong wrote:

    Could ObamaCare fall apart? It already has. I believe that recent comments accusing Obama of being a "serial fraud" are correct. He is either grossly incompetent or a serial fraud or a combination of both. Supposedly had 49 m uninsured (which was a lie made to pass ACA), and soon we will add 5m to 15 m to that whatever the uninsured number actually is.

  • Report this Comment On November 17, 2013, at 3:40 PM, YouMustBKidding wrote:

    The Socialist Party candidate for President of the US, Norman Thomas, said this in a speech:

    “The American people will never knowingly adopt socialism. But, under the name of ‘liberalism’, they will adopt every fragment of the socialist program, until one day America will be a socialist nation, without knowing how it happened.” He went on to say: “I no longer need to run as a Presidential Candidate for the Socialist Party. The Democrat Party has adopted our platform

  • Report this Comment On November 17, 2013, at 3:43 PM, Riggerwo wrote:

    I think Obamacare is basically a good idea. Health care in the USA is out of reach of many of the population. Insurance companies will try and deny your claim..by claiming you have a pre-existing condition...legalized rackerteering...medical care has been hijacked by the medical lobbyists. Problem here is this whole thing has been badly rolled out...badly planned....the web site failure is inexcusable....those responsible should be prosecuted. But..if you look back..the government does not have a very good track record rolling out / designing new programs.

  • Report this Comment On November 17, 2013, at 3:48 PM, kca124cain wrote:

    It already has fallen apart.5 million with cancellations and 106,000 "selecting". That is 98% failure, and the opposite of what he promised.

  • Report this Comment On November 17, 2013, at 3:54 PM, lightnin001 wrote:

    If you don't have a tax refund coming, there's no penalty. Just cut down your withholding or quarterly estimated tax payments so you won't get a refund! Taa Daa!

  • Report this Comment On November 17, 2013, at 3:56 PM, SLTom992 wrote:

    Obama-care - death and taxes all in one convenient package.

  • Report this Comment On November 17, 2013, at 3:57 PM, quacker wrote:

    gosh I hope it falls apart but alas i fear they will just tax us more and force us to keep it

  • Report this Comment On November 17, 2013, at 4:00 PM, DJDynamicNC wrote:

    Once again, I just need to point out that Canada has zero people uninsured, and we regard it as astonishing that you will put up with medical bankruptcies as a fact of life in a modern society.

    I grew up in the States and voted for George Bush in 2000, I know I used to think health care down there made sense, but now that I've experienced it here, it's incomprehensible that people would choose to live with non-socialized health care.

  • Report this Comment On November 17, 2013, at 4:01 PM, mlguyer wrote:

    I wrote a song about this very topic. It's called "I Told You So: The Obamacare Remix"

    https://www.youtube.com/watch?v=ywPKBAGbpEo

  • Report this Comment On November 17, 2013, at 4:02 PM, jrgreenejr wrote:

    People, For those of you that feel this is a great law. Please feel free to reelect your congressman or senator and for those of you that are opposed should make ever effort to remove one that supported or voted for same. This law can be repealed and the parts that are more palatable could be implemented individually. The very size of this law, which to date I don't believe a hand full of people comprehend and a Supreme Court Justice made a joke about should have been a bright red flag!!!!

  • Report this Comment On November 17, 2013, at 4:05 PM, YouMustBKidding wrote:

    DJDynamic....you apparently never really need a doctor. I have an Uncle who lived in Montreal and had to wait for a doctor's appointment for 14 months. He was OK with that since he didn't think it was an emergency. He died before he saw the doctor. My Aunt now goes to the US to see doctors because she doesn't have to wait over a year to see one......yet

  • Report this Comment On November 17, 2013, at 4:06 PM, chrisxasos wrote:

    Some people tried comparing Obama to Jimmy Carter. It now appears they are exact opposites. Jimmy Carter used to say "I will never tell a lie".

  • Report this Comment On November 17, 2013, at 4:06 PM, orthodox4life wrote:

    It will never fail because Obama will simply throw money at it until its online.

  • Report this Comment On November 17, 2013, at 4:07 PM, stellar451 wrote:

    "but what's not failing is the idea that a more universal health plan is needed for the people of this country, which, at the moment, Obamacare does offer a promise to take care of."

    Then why does the CBO estimate that there will be approx 30 million uninsured - that's after the ACA is up and running 100%?

  • Report this Comment On November 17, 2013, at 4:08 PM, doraglasberg wrote:

    ACA isn't going anywhere,

    It certainly isn't falling apart,

    The MSM has decided this is

    the most audience getting meme.

  • Report this Comment On November 17, 2013, at 4:13 PM, Hibiscusanole wrote:

    If he wants no new policies issued, and one is not covered under the exchanges due to David's great stick picks, how does one find insurance?

  • Report this Comment On November 17, 2013, at 4:14 PM, chukalukabus wrote:

    Folks, your are reacting exactly as planned. This is just the setup. We know who the perps are, your freedom is the mark. Rest assured single payer (communism) is the goal. Always has been.

    Just a conditioning drill. Like Pavlo's dogs. The hammer will fall, and you will wake up one day and have no freedom.

    Article does not mention that these "delays" are unconstitutional. No where in the Constitution does is grant the power to the POTUS to change laws.

  • Report this Comment On November 17, 2013, at 4:15 PM, rdmcdonald48 wrote:

    It's obvious that people venting about the insurers having time do not understand the procedures in issuing policies that must be compliant with Federal, and state, law.

    Each state has an Insurance Commissioner, and he has the duty to protect the insured in his state from a one sided contract of insurance. Which means that every policy issued in that state must be "approved" by the Insurance Department BEFORE it can be sold.

    Insurers send draft policies to the Commissioner for review; they then send revisions back to the insurer citing cause for deletion of specific policy language, and telling the insurer, specifically what they are to indemnify.

    Now, along comes Barack Obama who thinks he can wave his magic wand and put it all back the way that it was for a "year" while they iron out the issues with the website? No, he can't.

    The process of instituting these policies is done, it is the "Law of the land" and the insurers are in compliance. They cannot just go back to what was because what was is ILLEGAL to sell in these states.

    Now, consider the "trial attorney's" and what a boon this would be to their business.

    A client has a claim, which is covered under the present law, but not under the "back to the way it was" policy. The insurer denies the claim under the former policy, just committed "bad faith" as the "law" is contrary to the policy that the President said was "okay" to reinstate WITHOUT the permission of the Insurance Commissioner. He simply cannot do that.

    The problem is, dumb-@$$ America thinks he can.

  • Report this Comment On November 17, 2013, at 4:21 PM, tlcjonson wrote:

    Healthcare is fundamental to everbody's survival. US citizen's have been exploited so long by the health insurance/pharmaceutical corporations. In the past system the health industry ramped up costs that literally guaranteed everyone if you ever got sick that it would bankrupt you. The only relief is Obamacare.

    Health insurance, pharmaceutical corporations, and their stooges Teapartyers and Republicans would benefit from eliminating this. Every piece of legislation ever passed has inital problems. The ruskus kicked up by Tea Partyers and Republicans really amounts to a tempest in a teapot. It's dangerous to screw around with people's fundamental needs.

  • Report this Comment On November 17, 2013, at 4:22 PM, DirtyHarry1953 wrote:

    In order for something to fall apart it has to be built first. Obama Care was never built, just thrown together without the President or Congress knowing exactly what was in the bill to start with. It was supposed to be the Democrats pristine health care law but turned out to be their biggest disaster.

  • Report this Comment On November 17, 2013, at 4:23 PM, GymS wrote:

    It will fall apart, GOD willing. It was doomed from the start in midnite-back room deals in which American hero Republicans were prohibited from attending. A Duke University health care expert estimates 129 MILLION Americans will lose their current health coverage. What kind of health care could it be anyway, being administered by the IRS? My gosh, dems are silly stupid.

  • Report this Comment On November 17, 2013, at 4:26 PM, YouMustBKidding wrote:

    This site $ux compared to yahoo. On yahoo you can direct a reply straight to the author of the comment. You can also agree or disagree with a comment and look up all your past comments. I don't see where you can do that here. Am I missing something?

  • Report this Comment On November 17, 2013, at 4:27 PM, forlevin wrote:

    Could Obamacare fall apart? Could it snow somewhere this winter?

  • Report this Comment On November 17, 2013, at 4:28 PM, bamissfa wrote:

    obama is a liar.

    once a liar always a liar

    you can't believe a word a liar says

    some of you seem to think that you won't be able to go bankrupt on obamacare.

    WRONG.

    You'll actually go bankrupt faster under obama care

    reasons?

    Higher premiums for everyone.

    Less coverage due to more out of pocket for you the patient via high deductibles like 5000 and $10,000 per year.

    obama himself recommends we all go on the 70/30 co insurance plan. DUH. The industry standard is 80/20 coinsurance which means on 80/20 you pay 10% less out of pocket.

    Also you

  • Report this Comment On November 17, 2013, at 4:32 PM, PigletOctopi wrote:

    I posted earlier about how much more Obamacare is going to cost my family, but the comment is gone. There wasn't anything abusive in it, I guess if you don't agree with Obamacare your comments get removed. They are trying to bury the truth.

  • Report this Comment On November 17, 2013, at 4:37 PM, Phidian wrote:

    Uh, I feel that you forgot to factor in all these news agencies of all types: publications, internet news blogs, cable and network television "news" programming -- that now rely on hyperbole, PROGNOSTICATIONS and educated guesses that seem like facts -- (being they are stated so emphatically; this small article for instance) as a means to get readers -- because this is the type of "reporting" (and I use that word almost ironically) that the public now craves and demands.

    It's the type of reporting that gets RATINGS. What is the topic that everybody wants to know about? Uh, hurricanes that kill thousands? Well, not really....Let's all see the US president squirm and flail over Obamacare, that's what everyone is on about. Nothing like having everybody pile on at once and watch a whole program go down in flames. Forget about the fact that at one time both parties would pitch in to make legislation of this kind work for the people, in a bipartisan effort, Medicare, for instance. No that's something from the past and not as "sexy."

    Better that everybody report on something going down in flames as a means to actually inducing this legislation to go down in flames, we've seen it before. Make it a "fait accompli."

    Because the more the concerted efforts of the media help to form a national bias as a process to get ratings, the less everyone is inclined to help get health insurance legislation and programs to the poor, the middle class, everybody. No, better to tear this down and have the old status quo, which was bankrupting our country anyway (with the millions of poor going to ER's for delayed medical needs and the hospitals passing those expenses to the average taxpayer, thereby jacking up health insurance rates to everyone) --- that's the ticket.

    How come few are talking about the recent government shut down costing billions (with a b)? Have at least some news coverage (relatively speaking) of other issues at hand? That affect all of us? No, let's all stick to this ratings prize pig and see if we can tear down some much needed legislation (even if there were plenty of mistakes made during in its launch). I don't just blame the writers...The editors and owners of these media companies have the most blame, they pick the stories based on ratings -- based on revenue. Gone are the days of just reporting the topics of the day in a fair and balanced manner. A "real" fair and balanced manner. An extreme pity for all of us who live in the US and a sad state of affairs.

  • Report this Comment On November 17, 2013, at 4:43 PM, danilo wrote:

    Headline: of course it can.

    That legislation is founded on incompetence, lack of thought based on sound logic, and an anti-American way.

    It's bound to fall apart.

  • Report this Comment On November 17, 2013, at 4:53 PM, rwhprism wrote:

    "free health insurance - how can you be against that?"

    "no we didn't read it, its 2500 pages. You have to pass it to read it."

    "well not free exactly, but $2500 savings"

    "well not $2500 but you can keep your insurance if you like it better"

    "what we mean is that you can keep it if its good enough"

    "check out the $600 million website Michelle's friend made for us Its world class beause its made in Canada"

    " wow - so much demand the sites overloaded"

    " no we aren't going to release any numbers yet but tremendously overloaded"

    "well,not overloaded. really only 6 people but millions looking !"

    "cancelled? Those greedy insurance companies."

    "sorry your insurance isn't good enough you have to buy ours"

    "Well yes NO ONE is signing up, but they will when we start to fine them"

    Could Obamacare actually fall apart? What would be the first sign?

  • Report this Comment On November 17, 2013, at 5:05 PM, plange01 wrote:

    the terrible disgrace obama has been the biggest failure in america's history and should NEVER be referred to as a president!!!

  • Report this Comment On November 17, 2013, at 5:06 PM, chopin wrote:

    nobody is as dumb as this disaster pretends. mr deceit hussein is up to something. but can he keep it a secret til after we vote for all the dems

  • Report this Comment On November 17, 2013, at 5:10 PM, tattletalered wrote:

    Again - it does not matter who sponsors any bill for a new law. The forces & masters of destruction (with the exception of the one Dick Cheney) are hidden in else places like within the bureaucratic system and in plane site enjoying their crimes against humanity.

    Yes! it is those who work in the system for money & unlimited benefits that we should be fearing the most, because they already know who they are and don't even care what pains they cause to others. They work for money & higher unseen evil powers - better known as the "False" gods.

    The supreme court gave these entities an official life status without any responsibilities to humans - and now that they are in full control of our lives as a New World Order concept over all humans on earth, little do the humans with small non working brains know or have any clue as to what they are required to do. All they understand is the paycheck and lifestyle they are use to living in. They have simply sold their souls for the purpose of destroying humanity spreading hate & wars against even themselves. We very very lucky to have a Snowden rebel against such indoctrination, it gives us hope for more Truths.

    The main purpose of this particular Health Care program, is that it was designed by a 3 letter word agency who is seeking total control over our decision making abilities without our expressed consent. Getting you to sign up was a genius in desquise to make us think that we still have a choice, FALSE & WRONG as many still can't see the forest for the trees.

    You must cooperate with this pay to play scheme for the master plan to work. The play for all your personal health decisions under the penalty of law as you sign away your rights without a vote.. But the biggie is still hidden: to force you to eat & take whatever drugs they force you to take. This of course, will provide more guinne pigs for experimentations to Monosanto & the pharmacutical companys in the category of natural deaths.

    Just take a look at what you don't want to know about and the truth will set you free. Just take a look at other key agencies with 3 letters and you will begin to see the light, as they all are ruling by fear. If they can't get rid of you by law, then you will be eliminated in another manner.

    Obama is being controlled like every other bureaucrat or politician - just as was under the leaderships of a Bush or other leaders before them since Jesus, JFK & MLK to mention only a few, as they were all eliminated for not playing the game with the false gods who make our rules & laws for the Masters. ....What goes around comes around (Food for Thought) Nothing is hidden from a working Brain but the Hidden Facts.

  • Report this Comment On November 17, 2013, at 5:20 PM, puppybone69 wrote:

    The law will fulfill its promise of equal insurance coverage for all when no one has any insurance coverage because of it. Then we'll finally get real health care reform when US medicine is socialized. The whole ACA is just a ruse to achieve this result. Best thing you can do is refuse to sign up to help speed up the process. Otherwise the inevitable will just take that much longer to fix all the problems.

  • Report this Comment On November 17, 2013, at 6:03 PM, Osofedup wrote:

    I pray for failure. The last thing we need need is another over-blown, expensive, incompetent government program. This one is directly tied to the IRS! It gives me heebie-jeebies. 'Ever been accused by the IRS of owing them money? It's a delayed, abusively-fining, compound-interest-accruing nightmare! Please don't forget the IRS can seize your house and bank accounts if they deem you non-compliant. I might add, personal experience has shown me the IRS itself is over-blown and incompetent, taking months or years to find information at one (or more) of its many regional offices. I've even been billed for the same liability from 5 (yeah, 5 !!!) separate offices.

    Young people today are striving toward globalism. If the financial burdens upon them to fund yet more social programs for the previous generations becomes too great, they will simply seek a less confined way of life elsewhere. Loyalty from individuals ain't what it used to be, because loyalty from fat corporations and government agencies has been extinct for generations.

    Medicine is expensive in America because of malpractice insurance and over-regulation by government. Do we want MORE insurance (it's just legalized gambling, anyway) and MORE regulation?

    Imagine the possibilities:

    " Yes, you MUST take that pill, or your lab-work won't be covered. "

    Yes, you MUST have that lab, or you can't have that procedure."

    "Yes, you MUST have that procedure, or you will be deemed noncompliant by this week's standards, and MUST pay a penalty fine..."

    And the best of all endings: "Yes, the door to the IRS office is across the hall from here."

  • Report this Comment On November 17, 2013, at 6:35 PM, jhillsbery wrote:

    My situation won't change either way its to expensive on the website and I know the republicans will do what they've always done.....absolutely nothing.

  • Report this Comment On November 17, 2013, at 8:14 PM, stellar451 wrote:

    The Democrats aren't doing anyone any favors by making a national healthcare plan that has a out of pocket deducible of 5000 / single, 12000 for family before it starts paying.

    Thats after paying the premiums of 400 to 1000 on average per month.

    Bankruptcies will continue apace for medical catastrophes for middle class families and average single payers - the only difference will be the "underprivileged" will not be affected.

  • Report this Comment On November 17, 2013, at 9:41 PM, DaSky wrote:

    It's designed to--to collapse into the government-controlled single-payer system that progressive neo-Marxists dream about!

  • Report this Comment On November 17, 2013, at 9:48 PM, bcweir wrote:

    I'm certainly no fan of this president, but I am also not a fan of irrational personal hatred of this president linked to his darker skin color. The GOP is just awful enough to predictably gloat to no end if Obamacare fell apart.

    The GOP has its share of bad ideas too, and Obamacare isn't the worst one to come out of Washington (the 1986 tax "reform" bills and immigration "reform" were at least equally bad).

    Bad enough that the GOP has lost the last TWO presidential elections, and can't seem to pick anyone younger than 65 or from the far right wing of the party. Shutting down the government for sixteen days in an ill fated effort to defund Obamacare didn't help the GOP cause, and it doesn't convince me that they're any more fit to govern than Democrats.

  • Report this Comment On November 17, 2013, at 10:06 PM, tidade wrote:

    One can only hope that owebamacare collapses under it's own weight. Let the insurance companies compete with each for our business with no gov't interference. Shop for health insurance like you shop for any type of insurance.

  • Report this Comment On November 17, 2013, at 10:40 PM, cookie58 wrote:

    It hasn't fallen apart? What has to happen for it to fall apart? If this train wreck makes it to the employer mandate that is where it will end. How did these crack pots get elected. American if this is our best God help us!

  • Report this Comment On November 17, 2013, at 10:59 PM, bugmenot wrote:

    As late as September, Obama was still changing the rules, now about 20,000 pages. The insurance companies had no way to react to incompetent President constantly changing the rules and still meet state insurance regulations. Obama is simple STUPID! dumber than an arse! Obama seems to have no clue what businesses must go through to implement government regulations that often defy logic.

  • Report this Comment On November 18, 2013, at 12:22 AM, dwsmokin wrote:

    I read two articles this weekend calling for the "repeal" of the ACA. One in the Chicago Trib, the other in the San Fran Chronicle. Now, not to go out on a limb, but when the hometown papers of the two at the top of the ACA food chain-and have blindly backed both for years-jump ship, the ACA could be in for a very tough time. And well-deserved.

  • Report this Comment On November 18, 2013, at 1:31 AM, DevonShire123 wrote:

    This propagandist poses the question as if it's far-fetched that something that was designed to fail, could "actually" fail.

  • Report this Comment On November 18, 2013, at 1:39 AM, insecure5050 wrote:

    What has to happen to make the wheels fall off is for this horrible web site to leak tax returns. Doesn't seem that improbable.

  • Report this Comment On November 18, 2013, at 6:15 AM, Cherianne22013 wrote:

    The disaster in the making is 2014 when small businesses who have "subpar" insurance (according to Obamacare standards) begin having their insurance plans canceled by the millions. Then, since the doctors have not been even given a rate schedule as to what they will be paid for services, many will refuse to even opt in to Obamacare...............what a screwed up mess.

  • Report this Comment On November 18, 2013, at 6:21 AM, Cherianne22013 wrote:

    It would been a lot simpler and cheaper to take that 30 million people who are uninsured (now this article says 50 millions, must include the illegals) and the government just pay their insurance premiums. But wait, that's not what Obamacare is about. Obamacare is about making sure that just because you sit on your rearend, not work, and are on Medicaid...YOUR insurance is just as good as the man who pays $500 a month for his. It is just that plain & simple, folks.

  • Report this Comment On November 18, 2013, at 6:24 AM, Cherianne22013 wrote:

    Of the 100,000 supposed signups..........what percentage signed up for free Medicaid......let's see.......90 PERCENT....that's right, folks....90% of the new "enrollees" are getting free insurance. Now....WHO will pay for that???? Of course, the working man......Redistribution of wealth, it's the foundation of Obamacare.

  • Report this Comment On November 18, 2013, at 7:09 AM, fujidan wrote:

    Obama needs to be impeached. All of Obama's minions need to be removed from office. Obama's socialist health care law/act needs to be repealed.

  • Report this Comment On November 18, 2013, at 9:17 AM, MickeyDougal wrote:

    "But everyone who hears these words of mine and does not put them into practice is like a foolish man who built his house on sand. The rain came down, the streams rose, and the winds blew and beat against that house, and it fell with a great crash.”

  • Report this Comment On November 18, 2013, at 9:28 AM, Littleeccy wrote:

    I don't think the country wants obama's socialist ideas.

  • Report this Comment On November 18, 2013, at 10:42 AM, peterwolf wrote:

    i dont know about Obamacare falling apart, but the federal and state budgets that have to support this monstrosity sure could fall apart.

  • Report this Comment On November 18, 2013, at 12:13 PM, VOLCANOPUKER wrote:

    Another confirmation Motley Fool changed what it is selling and shouldn't be listened to anymore. If you are stock picking then this is exactly the bs you should be ignoring. With my businesses I have been going to conferences for years now on Obamacare and what it means to my business. Funny how my meetings only sound like the news and the rest of the squawking parrots when a person who doesn't know what they are talking about speaks. The fake PR angles and predetermined arguments are exactly what Motley Fool used to try to overcome in evaluating a company. Sad it now instigates it in the new world of "media" where web hits and viewer comments equal money. Perhaps it is time for the Motley Fool to put it's name on real information or change it's not so meaningful mascot to a tin foil hat with a pimp feather. Research your investments like these commenters above did with Obamacare and you are going to leave money on the table.

  • Report this Comment On November 18, 2013, at 12:14 PM, DJG77 wrote:

    Why the surprise? It was all wishful thinking and new math from its inception.

  • Report this Comment On November 18, 2013, at 1:23 PM, whynot wrote:

    If you use a computer you know everything does not always go smooth , and to think about how big a system like the Obamacare is , no wonder there are problems . I am for all the people having health ins . The ones that had their health care cancelled will now see what it is like to not have health care with no fault of their own . My ins .went up to 1,550 00 a month because of health problems and I had to cancel it in July of this year . I work for my living and don"t expect others

    to keep me up , but I think I should be able to have health ins. I could afford . If something should happen to me and I needed to go to the hospital I would loose every thing I have worked for . The ins. companies will go up on their policies if you have to use it and they will keep going up so high you no longer can afford it. They only think of themselves , and thank God they can"t rob people now .

  • Report this Comment On November 18, 2013, at 1:49 PM, desertrat wrote:

    Could ObamaCare fall apart? Got news for you: It already has. The only question is how long it will take the fool whose name it bears to recognize the inevitable and find a scapegoat to blame it on.

    I see three likely candidates:

    1. The evil Republicans, none of whom voted for it and who are even now trying their best to sabotage it. That they have hardly any leverage to sabotage it is beside the fact.

    2. The "bad apple insurance companies who are canceling all those non-ACA compliant health insurance policies and revealing Obama's lies as they do.

    3. George Bush. Everything else going wrong in Obama's reign is his fault -- why not this too?

  • Report this Comment On November 18, 2013, at 1:58 PM, lchums wrote:

    obama care isn't falling apart. It never was from the beginning. It's the biggest disaster since jimmie carter was elected president. The question should be "HOW ARE THESE FASCIST PIGS" obama, pelosi, reid and the yellow belly democrats and the confused GOP gonna fix this? that's the million dollar question that the American people want to know!!!! "PROSECUTION" is in order for this government of crimes against the American people. 2014 elections will determine those crimes and "PROSECUTION" will be established by the American people!!!!!

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