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The President Gets a Taste of His Own Obamacare Medicine

To work successfully, Obamacare needs people like the guy that signed up last week. He selected a bronze plan through the District of Columbia's exchange. And he's highly unlikely to make a single claim in 2014.

Source: White House on Flickr.

The guy? None other than Barack Obama. While the president will pay the plan's premiums himself, he's unlikely to make any claims, since his health care is provided through military doctors. Talk about taking your medicine with a spoonful of sugar.

Claim-less enrollees
To work successfully, the Patient Protection and Affordable Care Act, better known as Obamacare, needs more enrollees like Obama that are unlikely to make a claim. Healthy enrollees are key to balancing out the big spenders with chronic diseases.

Insurers don't need symbolic purchasers like Obama that get their health care provided outside the system. The normal amount of claims will be just fine; aggregate premium payments, co-pays, and deductibles for healthy patients far surpass their aggregate medical costs.

On Sunday, the Obama administration said 1.1 million Americans had selected a health plan through the federally run exchange but didn't give any breakdown on how healthy the average enrollee was. Of course, all pre-existing conditions are covered by Obamacare, so insurers no longer have to ask how sick you are.

But a breakdown of age would be a good proxy. Younger people are more likely to be healthy, and their enrollment is ultimately the key to Obamacare's success.

Sick first
With coverage set to start on Wednesday but the deadline for enrollment not until the end of March, it seems likely that uninsured sick people would sign up early to get coverage while many healthy individuals who had forgone insurance would continue to push off the payment until the last minute.

Insurers, such as UnitedHealth Group (NYSE: UNH  ) and WellPoint (NYSE: ANTM  ) , that are offering plans on the exchanges presumably factored the enrlolment timing into their premiums, figuring they might lose money on the early adopters and make up for it during the last nine months of the year.

Of course, the website issues that slowed early enrollment could further skew the percentage of healthy enrollees. People desperate for health insurance are more likely to have the tenacity to enroll in Obamacare despite website crashes. Last month, Humana (NYSE: HUM  ) cut its enrollment projections by 50% after early enrollment stagnated. If those are mostly healthy individuals, it could be costly for the industry, especially for a company like WellPoint that has a large percentage of its profits coming from individual plans.

If the government doesn't release the numbers first, we should get an idea of the breakdown of healthy versus unhealthy enrollees when UnitedHealth, Humana, WellPoint, and the rest of the insurers release first-quarter financial results in April.

Obama might be paying more in 2015
Fortunately for insurers -- and unfortunately for consumers without subsidies -- the prices are guaranteed for only a year; insurers get to submit new pricing for 2015. If they've guessed horribly wrong about the risk pool, they'll adjust prices higher to compensate for the lack of Obama-like enrollees.

Still confused about Obamacare? We've got you covered!
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." This free guide contains the key information and money-making advice that every American must know. Please click here to access your free copy.

Read/Post Comments (72) | Recommend This Article (61)

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  • Report this Comment On December 31, 2013, at 8:49 PM, marymarymary wrote:

    My understanding is that Mr. Obama is covered under the "military health plan," which is known as Tricare.

    Complete this form to notify your contractor that you have other health insurance (OHI). When you do, TRICARE is the second payer.

    ~Tricare Website

    Mr. Obama WILL have claims under his Bronze Plan, even if he is seen at a Military Treatment Facility. They will bill his Bronze Plan for the charges.

    Anyone covered by Tricare who has other health insurance knows this.

  • Report this Comment On January 01, 2014, at 12:05 PM, motleyarefools wrote:

    Really, insurance relies on some people not making claims to work and b profitable? And this is due to Obamacare? Genius deduction, Sherlock, because before Obamacare, I thought insurance worked by paying claims to everyone, from auto to health.

  • Report this Comment On January 01, 2014, at 12:11 PM, PJSolarz wrote:

    -If you like your health insurance plan, you can keep it, Period!

    -If you like your doctor, you can keep him, Period!

    -Obamacare will cost less than your monthly cell phone bill

    -This health care package will pay for itself

    -The health care bill will not raise the deficit by one dime

    -We should not mandate the purchase of health care

    -This law will save the average family $2,500 a year

    -Mitt Romney raised nursing home fees eight times

    -Planned Parenthood provides mammograms

    -Under our plan, no federal dollars will be used to fund abortions

    -ObamaCare fee is not a new tax

    - Annual checkups, screenings, and vaccines are now free (once your deductible is met)

    -Over the last two years, health care premiums have gone up — it’s true — but they’ve gone up slower than any time in the last 50 years

    -All health care deliberations will be covered on CSPAN

    -I happen to be a proponent of a single payer universal health care plan

    -Doctors choose amputation because they get better compensation

    -Greedy Doctors taking out tonsils for more money

    -Illegal immigrants will not be eligible for Obamacare

  • Report this Comment On January 01, 2014, at 12:17 PM, bigfoot wrote:

    Does marymary actually believe that he will keep this after his term is over? That would explain a handle from a fairy tale.

  • Report this Comment On January 01, 2014, at 12:24 PM, mperiod wrote:

    "To work successfully, the Patient Protection and Affordable Care Act, better known as Obamacare, needs more enrollees like Obama that are unlikely to make a claim. Healthy enrollees are key to balancing out the big spenders with chronic diseases."

    That's how insurance works...if only sick people carried insurance when they were sick, then no insurance model, be it the affordable care act or anything else would work. I'm still confused as to why "reporters" are treating this as breaking news.

  • Report this Comment On January 01, 2014, at 12:29 PM, willy1514 wrote:

    The President IS a high risk consumer. He's a smoker.

  • Report this Comment On January 01, 2014, at 12:37 PM, hogger706 wrote:

    give me a break!

  • Report this Comment On January 01, 2014, at 12:39 PM, grewjac wrote:

    Another thing the president won't have to worry about that everyone else who buys via the exchange: agreeing to the requirement that by signing up, you will have no expectation of privacy for your personal health information (PHI), even though that is a direct violation of HIPAA. Congress grilled a spokesperson for the prime contractor of the website project, who admitted they were directed by CMS to insert that requirement into the software, but she refused to agree it was in violation with HIPAA. All of this boils down to this: The PPACA passage was strictly a Democratic party effort: they stome-walled the GOP in both houses and rammed it down our throats, with Nancy Pelosi snidely taunting them with, "If you want to read it, you'll have to pass it first." This year, we can fix this mess: dump the Democrats.

  • Report this Comment On January 01, 2014, at 12:44 PM, syzygysyzygy wrote:

    obamacare is like slapping a band aid over gangrene

    americans never stop arguing and wringing their hands over medical care and with good reason because what they have is a national disgrace and stinks up the world

    All they hafta do is look at europe , copy it with a few changes for US environment and job done!!

    I have spent decades in both places and what I know isnt based on hearsay its actual 1st hand experience

    I have medicare which sucks ----- but nothing will change in a place with over 300 million self centered cretins

  • Report this Comment On January 01, 2014, at 12:58 PM, BeverlyT wrote:

    I would be very curious to see exactly what the Bronze plan actually provides, what the customer pays out in out-of-pocket expense, and deductibles. I will bet you that this lowest plan will be no better than the plans the president said were JUNK that people already HAD before they got cancellation notices resulting from the laws Obama wrote to force people to take HIS plan. And before he MANDATED insurance companies to go by his new laws - those that change each and every day allowing his unions and buddies to be released from being involved in Obamacare plans.

  • Report this Comment On January 01, 2014, at 1:01 PM, rdmcdonald48 wrote:

    If people have "spent decades" in the European health insurance market and love both it and the experience then why are they here?

    You DO NOT have to take medicare when you are eligible, it can be refused if you have a "private" health insurance plan. So take your "Medicare" premium and apply it toward a private policy that you like, and are willing to pay for.

    People think "Medicare" is free - it's not. Is it less expensive than a "private" policy? Yes. Does it cover less than a private policy? Yes. Can you buy a Medicare supplement to offset what is not covered? Yes.

    If these Democrats think that a "government health insurance subsidy" is the answer, then they are as ill-informed as we believe them to be. All it is at the end of the day is "debt shifting", from one person to another. A hidden tax upon a tax.

    What is a "national disgrace" is how our government has squandered what it was given to care for by the electorate over the past 50 years or so. Trusting a politician with our futures has been the biggest mistake anyone could have ever made. Now there is no recovery from the error that will correct it for generations to come. We are so screwed!

  • Report this Comment On January 01, 2014, at 1:04 PM, airjackie wrote:

    Excellent article as it starts with a man who signed up but likely never to need the plan. Well people in Boston had a Governor who formed the Republican Nixon health care and many might has thought the same thing. But then the Boston Bombing happen and well it save people from losing everything because they had Romneycare. Obama like Romney sold the President Nixon health care plan and yes Obama gave credit to the Republican President who formed it but hate makes people call it Obamacare. Smart move on President Bush who formed the same health care plan in Africa successfully as he showed it off at his Bush Library. It was great to hear Speaker Boehner say all the Republican/Tea Party lawmakers and their staff were the first to sign up for the low rates in Oct.

  • Report this Comment On January 01, 2014, at 1:05 PM, vet212 wrote:

    I find anyone thinking this mass of corruption designed in failure, and absolutely political idiocy could or even should be saved frightening

  • Report this Comment On January 01, 2014, at 1:17 PM, johnestromjr wrote:

    Only the clueless are signing up for ObamaCare. And yes, sad to say, Obama is one of the clueless. Except we can rest assured that HE has one of his minions doing his "signing up" duties since he's a far too important a man to waste HIS time trying to navigate that stupid system.

  • Report this Comment On January 01, 2014, at 1:20 PM, DRayZ wrote:

    In short, the wealthier need to subsidize the less wealthy - socialism at it's best!

  • Report this Comment On January 01, 2014, at 1:29 PM, karmawill wrote:

    I'm still trying to figure out how a man making $400K a year plus proceeds from his childrens book has to pay $400 a month for a medical premium when a family of 2 on $50K a year has to pay $368 a month with a $10K deduct or $788 a month with a $3500 deduct. This plan makes no sense to me.

  • Report this Comment On January 01, 2014, at 1:31 PM, Roko wrote:

    I have done much research on ACA or Obamacare and it is not possible for Mr. Obama to get onto the Bronze plan or any subsidized plan. He makes too much money. You have to make $60,000 or less as a couple to get on and if you have kids this can go as high as $90,000. He surely makes more than this for his salary and so he is rejected. Of course if you are President you can pull strings and lie. But no normal person who makes over the above amounts can qualify. So add this to the "you can keep your insurance" lies. I like the president and am a Democrat. Why he thinks he has to lie to give us a substandard medical plan is beyond me. Also I am one of the newly uninsured. There are over 20million people who can't qualify for Obamacare and also can not afford the new insurance rates with their high deductables. My husband and I are not insured and all of my city where I live is no longer insured. We all can not afford to have any coverage. We are sick and will surely die without care. So the whole ACA sucks for us 20Million. We want the poor to be covered but we the semi-poor are all going to die without care. Thank you, good new year. Maybe we'll seen 2015.

  • Report this Comment On January 01, 2014, at 1:40 PM, computerfinch wrote:

    wow...if i make 30,000, i don't qualify for subsidies, i can't afford the best plan, i can't afford the worst plan, and even if i could the deductible would kill me. Yep, this is a great deal.

  • Report this Comment On January 01, 2014, at 1:45 PM, gina777 wrote:

    What I would like to know is why didn't Obama's wife and kids sign up? After all, Michelle has been touting the wonders of it, yet she herself hasn't signed up or signed up her kids.

  • Report this Comment On January 01, 2014, at 1:46 PM, jmgconsultants wrote:

    There is a report that more then 50% of those who signed up so far have not paid their premiums that were required by Dec. 31st so they are not covered or signed up at all. Also many people had believed that Obamacare was free until they found out they must pay a premium and the deductible before their coverage begins, they can not afford that at all. So much for the term affordable. Now we have as of today 6.4 million Americans that lost their coverage and another 40 to 100 million people to lose their employer coverage this year. That statistics came from the CBO and the US Justice Dept. legal brief. This law is nothing but a con game, a scam and must be repealed immediately.

  • Report this Comment On January 01, 2014, at 1:53 PM, spydercryder wrote:

    this nonsense is unaffordable and would only benefit someone suffering a health catastrophy.....therefore, the only logical alternative is to simply not sign up and pay a fine

  • Report this Comment On January 01, 2014, at 1:56 PM, snookypoopoo wrote:

    What MaryMaryMary forgot to include was this -- They will bill your insurance company and accept whatever they receive then write the remainder off -- Yep tis true

  • Report this Comment On January 01, 2014, at 2:40 PM, ReydelMundo wrote:

    airjackie, Actually former NY representative takes the credit for being the first for calling the program Obamacare. Obama was happy with it until it's popularity really began to fall, at which time he began calling it the Affordable Care Act in order to distance his name from the program.

  • Report this Comment On January 01, 2014, at 2:49 PM, OneRascal wrote:

    Perhaps one should make the notation that Obama

    does NOT have coverage as the article implies. His

    "identity" could not be verified and he has yet to

    produce the documentation that everyone else has


  • Report this Comment On January 01, 2014, at 2:51 PM, Jarda wrote:

    I wonder, did he signUp with ObamaCare web page?

  • Report this Comment On January 01, 2014, at 2:53 PM, jbow wrote:

    Obamacare has helped my family tremendously. We finally have good insurance with a low monthly premium. We will hopefully not use it too much but now we're not going broke paying for a policy we won't use much. I don't get what every one is complaining about~ I know many people that have benefitted from Obamacare. Perhaps people still just want to see Obama fail...

  • Report this Comment On January 01, 2014, at 3:07 PM, granade wrote:

    The most stupid, abnormal, discriminant, abusive law ever imposed in this country. I don't know why this has not being declared unconstitutional.

  • Report this Comment On January 01, 2014, at 3:15 PM, Stevegarry22 wrote:

    First off, obama and his wife will be covered by the tax payers for the rest of their lives, just like the remaining living former Presidents.

    Second, obviously the writer of this editorial has no idea how Insurance works....All insurance company's Life, Auto, Health, Liability, depend on people paying premiums and not collecting on any claims, plus insurance company's have and do "pool" their capitol in the case of catastrophic events. Such as Hurricanes, Tornado's flood's and so on. The problem with obamacare is the mandates and the freebies!!!! Someone has to pay for "free birth control" adults staying on their parents policy's until age 26, and all the other nonsense..... The fact is obamacare is nothing more than redistribution of wealth, and frankly that is socialism and NOT the American way....I worked for mine, go work for yours!

  • Report this Comment On January 01, 2014, at 3:22 PM, djm20 wrote:

    President Obama did NOT sign up himself. He had some staff members do it for him. It was announced by the White House press office as a 'symbolic' gesture showing the President is willing to sign up for the same lousy healthcare program that all other American's are subject to with the prime difference being of course, he is covered by a completely different, government sponsored program that is likely part of his lifetime benefits.

    It is another example of how this President, this Administration, believes that appearance and pubic relations gimmicks are fare more important than truth. Not only was it necessary for this President to lie and misrepresent what this law was, he is now waging a full scale 'war' to convince the public that it is a good thing.

    There will be people who get insurance that is covered by government subsidy, but these will be such a small number in comparison to all those who's medical coverage will be reduced or rationed. And we will ALL pay far more for insurance and healthcare as a result.

    All this could have been easily avoided by having the insurance companies create an 'assigned risk' program where people with major illnesses are hard to cover people would be 'shared' among a bunch of companies thus lowered the risk for us all. Instead, the President opted for a government takeover of 1/6th of the economy for obvious reasons: for power, to enlarge government, to ration medical care, to 'spread the wealth' taking from the 'rich' and giving to the poor.

    Shameful. Dishonest. All the elected officials who voted for this monstrosity should be voted out of office and forced to sign up for Obamacare.

  • Report this Comment On January 01, 2014, at 4:06 PM, tristinstone wrote:

    Simply put, Obama care is nothing more than a typical pyramid scheme? The more people you have at the bottom of the pyramid, the richer the people at the top get? What Obama doesnt realize is this, Yes the young and healthy were stupid enough to vote for him twice, but thats only because it cost them nothing! now with the insane prices for a healthy person to sign up, why would they? If I was 25 again I sure as heil wouldnt sign up for this corrupt healthcare plan. I am now 48 and I still wont ever sign up for it.

  • Report this Comment On January 01, 2014, at 4:20 PM, kca124cain wrote:

    So, beforehand 30 million (probably half illegals) did not have coverage. Now, 1.1 million have been added, or at least we are supposed to believe that, and 5 million have lost their coverage.

    Latest count, 34 million do not have coverage and 15 million are illegals.

    Obama has increased the uncovered legal people by 30%.

    At this rate, we will all be screwed in no time.

  • Report this Comment On January 01, 2014, at 4:26 PM, bulletsville wrote:

    The ACA is not perfect but a lot better than no care at all...Both my wife and I preexisting conditions so we need to purchase somewhere. So much for a so called Christian country trying to stop 40 million from access to healthcare.. The problem is the insurance companies and the lobbyists etc

  • Report this Comment On January 01, 2014, at 4:27 PM, neoshobob wrote:

    Of the 1.5 million who signed up, I would guess that 75% or more are getting subsidized thus the program will not have but a few paying customers by the time it is officially under way.

  • Report this Comment On January 01, 2014, at 4:36 PM, wasanut wrote:

    I am thankful enough to have great insurance and do not need to enroll in obama care. But just to see what it would cost me I checked it out. I make 32,000 a year, so no subsidy for me. The cheapest plan was 328 dollars a month with a 5,500 dollar deductable before the plan paid anything. Well of course I could not afford to pay that, so again I am thankful I have great insurance. So I thought I would check out what my daughter, 23yrs, would have to pay if she had to get insurance. Going by 8 dollars and hour, 40 hrs a week. she made just over 16,000 dollars a year. She qualified for the susidy. Only having to pay 38 dollars a month. But with a 5500 deductable. How can someone only making 16000 a year pay a 5500 deductable and still pay for housing and food? They cant...

  • Report this Comment On January 01, 2014, at 4:44 PM, bobcall wrote:

    If you think Obummer is covered by Tricare and/or Obamacare then you are one of the idiots that keeps voting for the liar and his democrat thugs. He gets absolutely free medical care at any military or civilian hospital, period! He will not be paying any monthly premium.

  • Report this Comment On January 01, 2014, at 4:58 PM, RubbedSage wrote:

    Most years that I've paid for insurance, I haven't used a dime of the coverage available.

    That IS how they make their money, you know.

    You guys act like this is a new concept to you.

  • Report this Comment On January 01, 2014, at 5:09 PM, accousticlvr wrote:

    If I sign up for the bronze plan, I'll be paying around $300 a month, which will come to around $3600 a year, but on top of that, I need to pay $6700 more dollars out of my own pocket for the deductible before my insurance even pays for anything! I'm self employed and make around $30,000 a year, so I'm already paying full self employment tax which is 15.3% of my income. After taxes I might clear around $20,000 if I'm lucky, so that means I have to pay out nearly 50% of my net income before my health insurance pays a dime. What is wrong with this picture!?!?! I'll pay the fine

  • Report this Comment On January 01, 2014, at 5:11 PM, mattsmithsd wrote:

    I am in my mid 20s and am healthy. I will not be signing up for this healthcare because I do not believe it is for the good of the people of the United States. I feel that this sort of mandate is a threat to the validity of our Constitution. I'd rather live like an illegal immigrant with no insurance rather than support this healthcare law.

    I also will not pay the fine (tax) since it was not passed by the House of Representatives who are the only ones with the power to modify taxes.

  • Report this Comment On January 01, 2014, at 5:17 PM, accousticlvr wrote:

    Methinks it would be less expensive to charter a plane to thailand and pay cash for medical services than sign up for Obamacare.

  • Report this Comment On January 01, 2014, at 5:21 PM, Medley wrote:

    I didn't even finish reading this article. Obama is not eligible to even APPLY for the ACA

  • Report this Comment On January 01, 2014, at 5:24 PM, Medley wrote:

    I didn't even finish reading this article. Under the law, Obama cannot apply for the ACA and he is not eligible to apply. The computer will reject him instantly because he is already insured by the government. THE SAME APPLIES TO THOSE WHO ARE ON MEDICARE! They do not even have to apply for the ACA because they are insured already. In simple terms, Obama has lied again. Feel free to check it out.

  • Report this Comment On January 01, 2014, at 5:37 PM, levamssg wrote:

    I refuse to sign up for this Obama CRAP. I resent being forced to buy totally worthless insurance -- so I just won't. I will not put money into what this country refers to as a "health care system" when it has nothing to do with health. It has to do with support big pharma concerns.

    I resent paying high premiums to support those who won't take responsibility for themselves.

    This article is just another Obama LIE ... and many sheeple will believe he signed up just like they believed his lies about this program.

    The whole thing is CRAP

  • Report this Comment On January 01, 2014, at 5:41 PM, JeffreyPtr wrote:

    While the healthy may be necessary for the success of the ACA, they are foolish to participate. According to a recent article in the NY Times, the average individual uses $2700 of healthcare a year. The healthy would be well below that average. The chances of an health issue resulting in the typical hospital expense of around $50,000 is about 5%.

    The cheapest Bronze Plan offered to me is $6684 a year. I've already saved enough in the last decade to cover a typical hospital stay out of pocket. If I'm in that 95% that don't have a medical problem those insurance savings will make a very nice addition to my retirement. I'll remain uninsured.

  • Report this Comment On January 01, 2014, at 6:01 PM, Theredbob wrote:

    Don't be fooled; the insurance companies are guaranteed their money in the ACA, If ACA doesn't make the profits they are used to the taxpayer is on the hook for it. Bamma is going to keep using the military doctors cause if he used ACA he would have to pay copays and deductibles and if anyone needed hospital services and he couldn't pay for it the IRS would attach his bank account tax returns and property. Health care for all is a nice idea but this ACA is a totalitarian device

  • Report this Comment On January 01, 2014, at 6:19 PM, mjustice wrote:

    Not trying to be ignorant here, but I am to some of these issues. Can someone tell me what happens to a person who goes to the emergency room with a life-threatening condition while uninsured after Obamacare goes into full effect? Will they refuse that person treatment? What about a broken arm? Again, will they be refused treatment? How do they enforce an essentially mandated law to be insured if they will provide care to anyone who is not insured? Yet, how can they let someone die for lack of it? I don't think it is even a choice with ethical standards in place for all doctors. How does that work? Please don't bash me, Im trying to become informed here. Thanks.

  • Report this Comment On January 01, 2014, at 6:24 PM, tbarbar90 wrote:

    I want to see someone steal Obama's identity from the website.

  • Report this Comment On January 01, 2014, at 7:04 PM, janehighwater202 wrote:

    I am so tired of you health insurance whiners, including the writer of this article who doesn't appear to have an inkling of how health insurance works. I signed up and I am grateful. For an extra $65/month, I went from a $6K deductible plan which I never even came close to meeting to one where I can actually afford to see a doctor and that will cover my occassional prescription needs. That plan would have costed me $1000 a month before ObamaCare. And no, I am not a sickie. I'm just a little older. For those of you who are not going to sign up- please don't expect me not to whine when you expect my taxes to pay for your bad judgement when you get sick.

  • Report this Comment On January 01, 2014, at 8:08 PM, Florida0951 wrote:

    Anyone who still believes this lying con man is beyond hope.

  • Report this Comment On January 01, 2014, at 8:15 PM, agtumminello wrote:

    That Obama guy is pretty smart. He signs up for Obamacare. It's like an unwritten order, sort of like the IRS delaying non-profit applications for conservative causes only in this case, he is (not)telling the government workers to sign up so the number of enrollees will be pumped up and it will look popular - false, but appearances are everything to this guy. He and the other workers will still be fully covered by the government insurance plans AND they get to force the insurance companies to pay part of the government's medical insurance cost. Legal or illegal? Who cares? Not Obama.

  • Report this Comment On January 01, 2014, at 8:22 PM, BatsXXXGotham wrote:

    Gee that's funny, where did I hear that quote before "A taste of your medicine?" Oh let's see, from a little karma film called "Batman Begins?"

  • Report this Comment On January 01, 2014, at 8:32 PM, choirbass wrote:

    Hm. I'm honestly not sure what the big problem is for most people needing new insurance..? An additional hassle, yes.

    But the possibility of your favorite doctor/friend not being there..? They all do have qualifying credentials. Never had more than a normal Dr myself, to give diagnosis' and recommendations, and make further appointments with. Occasional MRI's, medications, shots, and other treatments are provided as needed. Ambulances and nurses come if and when needed. Not really much of a real reason to complain.

  • Report this Comment On January 01, 2014, at 9:45 PM, SmokeysMom wrote:


    I watched an interview with NY former DHS, or something like that. She has read the ACA forward and backward. In the bill, doctors must go thru the government to see if the service you are paying cash for is acceptable to them. If they don't, they are in risk of losing their license.

    This isn't socialism, it's communism. Thanks all of you that voted for the elite Democrats. Now we're all doomed. Just like Obama wants it...redistribution of wealth.

  • Report this Comment On January 01, 2014, at 10:00 PM, Cousincharlie wrote:

    Just because people signed up doesn't mean they will pay the premiums !! Lets see the numbers in say 6 months to a year (if OBAMACARE lasts that long) as to how many premium paying people belong to it.

    Why does Obama need ANY insurance ? How many Dr.'s and medical people are with him at all times ? Bet that isn't being billed to OBAMACARE.

    Also lets drop the ACA acronym now that it is a political liability. They were shouting from the roof tops and grinning wide when they THOUGHT OBAMACARE was popular for them to call it that !! MAKE them keep calling it that !!

  • Report this Comment On January 01, 2014, at 11:30 PM, Rdude wrote:

    Folks, I checked out the Obamacare website for my wife who has no insurance. I have a lot of debt from being jobless during the Obama economy. I have a good job now, but with my debt load we are living paycheck to paycheck. The Obamacare premiums are too much for me to pay each month. So I am opting to pay the penalty instead. I am very encouraged because it seems that more and more people are opting for the penalty because it costs less. I only hope more people make the sensible choice and pay less using the penalty, then vote in people who will repeal this thing ASAP.

  • Report this Comment On January 01, 2014, at 11:42 PM, Curious121 wrote:


    No need to apologize, you are brave to ask a legitimate question in the current atmosphere, everybody is so geared up and in a fighting mood that few will give your inquiry a second thought. In answer to your inquiry - no hospital or emergency room can reject or turn you away. It's federal law, they have to treat you and have to do a good job, otherwise you can bring suit. You will receive a hospital bill afterwards and can negotiate with them to pay it off. Even the illegals can get medical treatment at the hospital's emergency room but also would receive a bill afterwards. What you do with the bill is between you and the hospital. I've seen people that truly have no money to pay, the hospitals will settle the bill through a state fund for the indigent and poor. Also, a possibility, if this is what you are wondering. Good luck and God bless :-)

  • Report this Comment On January 02, 2014, at 12:52 AM, saphirantcross wrote:

    Play by play of the next 8 years:

    -- GOP ticket: Abolishment of Obamacare.

    -- GOP President-elect chosen over Democratic candidates due to Liberal ennui.

    -- Obamacare abolished, return to dual-payee system with insurance companies insisting on 50% co-pay.

    -- Poor people sign up in less numbers than before, insurance companies return to prequalification and income minimums to absolve risk.

    -- After 8 years of industry retraction and hospital overcrowding, the new scheme: insurance plans only cover "EPO" types, everyone else pays cash up front.

    End result: Medicare goes bankrupt, and hospitals close across the country except in major cities and county-seat type places. Pre-paid clinics replace the hospital experience for the poor, and if surgery or chemotherapy is needed, they're basically dead.

  • Report this Comment On January 02, 2014, at 1:08 AM, oldsniper50 wrote:

    Obama has lied about everything since his first campaign. All his "promises" have faltered. His agenda was to socialize medicine, which ACA does. Younger people need to sign up to offset older sicker people's health care costs. Obam has no intelligence or education in health care, economics, foreign policy or anything else. His primary job is to campaign and then act like he doesn't know anything about Fast and Furious, Benghazi, the IRS scandal, NSA violations. He is a complete idiot, as is his ugly ass wife, and all of their cronies.

  • Report this Comment On January 02, 2014, at 1:11 AM, sophiathursday wrote:

    AS USUAL the negative nincompoops are whining and throwing anything at the wall to see if it sticks to eliminate a program which will need to reviewed over time as was the case with SOCIAL SECURITY,medicare, etc etc etc

    The "writer" who offered this hasn't got a clue

  • Report this Comment On January 02, 2014, at 3:25 AM, Crask wrote:

    The Motley Fool, the righteous journalist warriors of the left, fighting hard to ensure that you who question he validity of your bought and paid for left-wing news are still getting the same brainwashing.

  • Report this Comment On January 02, 2014, at 4:54 AM, Mayssa wrote:

    $HUM have a great target price with (109.53$) and (stop-loss 98.43$) get the selection from DSS daily stock select !

  • Report this Comment On January 02, 2014, at 6:48 AM, Dzimas wrote:

    Any health insurance company relies on healthy persons to balance out those who would be making claims. The advantage of a government system is that it can subsidize plans and probably bail out the exchanges if claims greatly exceed expectations. It's a balancing act.

  • Report this Comment On January 02, 2014, at 7:55 AM, virgilcole wrote:

    "Healthy enrollees are key to balancing out the big spenders with chronic diseases."


    In other words, healthy enrollees are key to PAYING for the big spenders with chronic diseases.

    Under Obamacare, if I'm healthy, I have to pay for people who are sick.

    I get punished for being healthy.

    Liberal logic.

    I'll pay for my OWN family's medical bills, thank you very much.

  • Report this Comment On January 02, 2014, at 8:00 AM, virgilcole wrote:

    In 2008 Barack Obama received more money from the pharmaceutical lobby than any other candidate.

    Take from that what you will.

  • Report this Comment On January 02, 2014, at 8:15 AM, Widowmaker6 wrote:

    only a FOOL would go to that website and put in personal info - this is a BAD LAW and a wOrse POTUS

  • Report this Comment On January 02, 2014, at 10:02 AM, JLS wrote:

    This is exactly why the vast majority of healthy people who pay out of pocket for health coverage had their plans cancelled. Most probably had affordable monthly payments (mine was $177/month, so not super cheap by any means, but also not outrageous) and high deductibles. My plan is cancelled as of the end of 2014 b/c it doesn't meet the ACA "requirements". Now, I would love to know what exactly about my plan doesn't meet the requirements b/c it was no dummy, bare minimum plan like the government wanted everyone to believe were the only plans being cancelled. When is comes time to buy a new plan (at drastically increased premiums no doubt) you can bet your bottom dollar that someone hat Humana had better have that information ready for me b/c they are going to get an earful! My guess is that no one will know specifics as to why my plan was cancelled. Either that or they will know exactly why (they [the govt.] want healthy people like me to pay beyond their true needs and means in order that the uninsured gets covered) but will probably not say so (b/c the govt. won't allow them to) and give me the runaround. If the plans that I am offered are too expensive I will not purchase! And I will be cold and dead before I am forced to purchase an alternative plan through the ACA! The govt. loves to throw a monkey wrench into things and then "come to the rescue" for people like they are some savior. Newsflash, the American people (the tax payers anyway) have woken up!

  • Report this Comment On January 02, 2014, at 10:13 AM, wrtrblk wrote:

    So, you have 100,000 young healthy adults paying $500/mo. and not using the service which is about $50 million/mo. On the other end, you have 500,000 people paying $100/mo. with subsidies and using the service 4-5 times a month, some with chronic problems, mental health, lenghty hospital stays, etc... Each one racks up $5,000/mo. in medical bills a month. How is this supposed to work again?

  • Report this Comment On January 02, 2014, at 10:15 AM, Michaellaborde wrote:

    Obama didn't even sign up himself. He was in another state and one of his cronies signed up for him. This was all a farce seeing that he is covered by the military and they do not bill other insurance carriers. This was pure and simple fakery.

  • Report this Comment On January 02, 2014, at 10:41 AM, scottgreene wrote:

    Here is what is coming to Obamacare in April 2014:

    Once you sign up for Obamacare and it turns out you don't like the plan you are on, it will be ILLEGAL to switch to another plan.

    For the rest of the year you are stuck with the plan you signed up for no matter if you can even afford it anymore.

    At that point your only option is to stop making the overpriced monthly payments and have no insurance coverage for the rest of the year (because it is illegal to switch or sign up for a new plan).

    Then Obamacare will hit you with IRS tax penalties which is your punishment for not making your overpriced monthly insurance payments.

    So in 2014, Obamacare is making it illegal for an insurance company to sell you insurance during the months of April thru December.

    Obamacare is mandating when a private company can or cannot sell its product.

    And if you don’t buy the product when Obamacare tells you to, the IRS is going to punish you with an extra tax on your 2014 income.

    Another happy new year’s gift courtesy of Obamacare!

  • Report this Comment On January 02, 2014, at 11:56 AM, edichka777 wrote:

    And who is paying for it?

    Stop BS people - why do you think hat we are dumb and you smart.

    Our enemies did not damage our country as much as our dear "president".

  • Report this Comment On January 02, 2014, at 1:59 PM, oldpapajerry wrote:

    A couple of things occur to me regarding the President's singing up for Obama Care.

    First is that "he" did not sign up, his aids signed up,

    Secondly, he did not provide his medical and financial information as we the "masses" are required to do, this for security reasons.

    And now while I am thinking of about it, he has signed up for the Bronze Plan Aka. the crap plan, while he will receive the Diamond/Platinum Executive Super Deluxe plan (unavailable to mere mortals) provided to him, his family and aids all at taxpayer expense for life...

    Does it seem a bit incongruous that he would not be forced to use ONLY the ACA plan he and his family paid for, since he is not " in Congress" like the others who are in Congress, who voted themselves an exemption from the ravages of Obama Care.

    When did America become a country like Russia, China and Cuba, where people are assigned a level of medical care, well below the standard of care they were receiving under the "Capitalist System" and exempting those in the "Ruling Class"?

    While Barrack Obama will not admit it, he is a Communist at heart, as was his father, mother, and most of his teachers.

    Oh, he will give lip service to the capitalist system, but everything he does is to stop free enterprise and reward those who are in the inner circles of Washington, Hollywood or Detroit.

    His form of capitalism is called Crony Capitalism, where Washington (Obama) decides who gets federal funds to either start a viable business or to simply pump cash into the pockets of the "owners", who just happen to be huge Obama donors or fundraisers.

    Something should smell rotten in Washington to all of us, not just the Tea Party supporters.

    This insanity of Obama Care will impact every American in a negative manner over time.

    Even those who are living on the Obama/Democrat Economic Plantation will come to realize, his or any form of Communism is bad for everyone eventually.

    As you can see he believes in Trickle Down economy, though it is not like the Regan type, Obama's is Poverty will trickle down throughout the various strata reducing the middle class, increasing the poverty class, and leaving the "Ruling Class" such as the Obamas untouched.

    Look at the growth in the number of persons living in poverty since Obama took office, the number of people receiving Federal and State assistance, since 2009.

    The amount of personal wealth of Average Americans in the U.S. has also declined by about 27%, that means we are 27% poorer as families, than we were before Obama.

    The actual number of people employed has dropped by millions, not just those who are on the Federal rolls of unemployed.

    The number of people actually working has declined dramatically since Obama took office, by millions of people, and to sustain the economy we need to add 350,000 new jobs every month.

    By JOBS, I mean full time jobs, the majority of the "new" jobs reported by the Obama Administration are "Part Time" jobs, less than 32 hours a week.

    If you voted in the last five elections, and voted for the "incumbents" you are as guilty as those in Congress who have sought to destroy our economy and way of life, in order to retain their positions and or to make millions from lobbyists.

    Consider that in the upcoming 2013 election, are you going to vote for Republicans who won't stand up for what the citizens sent them to office to do, or the Democrats who voted overwhelmingly for Obama Care's 3 trillion dollar expense, to be paid for and suffered by all taxpayers.

    It is up to you...


  • Report this Comment On January 02, 2014, at 2:09 PM, agar741 wrote:

    1- He did NOT sign up for insurance on the exchange, they said the system was not secure enough to input his personal data, and therefore could not verify his identity. (not that I believe he is a citizen)

    2- The law requires that you do not make more than $60K per year to enroll through the ACA website.

    3- You can not enroll if you are offered a plan through your employer.

    He does not have insurance through the exchange, he never finished signing up, and I'm sure he never paid the first premium!!!

  • Report this Comment On January 03, 2014, at 8:14 AM, Mayssa wrote:

    m gonna buy $HUM today,it has (109.83$)(stop-loss 98.78$) as a target price for today on DSS ,you also gonna buy?

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