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Obamacare Explained: What It Means for Those Who Already Have Health-Insurance Coverage

When President Obama signed the Affordable Care Act into law, he hoped it would help give everyone higher-quality affordable health insurance. But now that Obamacare is much closer to taking full effect, millions of Americans who already have health insurance are worried about whether they'll be able to keep their current policies under Obamacare, and if so, whether they'll have to accept changes in coverage or pay more for their benefits.

How Obamacare will affect your current policy depends on what kind of coverage you have. Let's look at the two main scenarios people face with their health insurance under Obamacare.


President Obama signing Obamacare into law. Source: White House on Flickr.

Scenario 1: You have individual coverage rather than a policy provided by an employer.
Individual health insurance has long been a financial minefield for those who don't get coverage from an employer. Because relatively few people have to resort to the individual plan market for their insurance, prices tend to be high, and benefits are often limited, with high out-of-pocket maximums and deductibles.

Obamacare requires insurance companies to provide a certain baseline minimum of coverage that goes beyond what more than half of all existing individual policies currently provide. That means that to offer individual insurance under Obamacare, some insurers will have to offer more benefits than they currently do, with costs likely to increase as a result. In addition, with requirements to cover those with pre-existing conditions, some companies are simply choosing to get out of insurance markets in some states entirely. Over the past month, UnitedHealth Group (NYSE: UNH  ) and Aetna (NYSE: AET  ) both said they would stop offering individual policies in California, forcing 58,000 existing policyholders to seek alternatives.

Ultimately, the impact will depend on which state you live in and what choices are available under the health-insurance exchanges that states and the federal government are setting up. For instance, in Vermont, rates will remain about the same under Obamacare, in part because the state already offers benefits that are similar to Obamacare's provisions. States with lower-quality plans now will probably see increased costs as insurers add required provisions under the health-care law.

Scenario 2: You have employer coverage.
If you already have coverage through work, then the odds are much better that it's of high-enough quality to avoid any major changes. A study last year found that almost two-thirds of employees who had group coverage at work had policies that would cover 80% or more of their health-care costs, compared with just 2% of individual health-insurance policies. Under Obamacare, adequate insurance need cover only 60% of allowed medical expenses to avoid penalties, which has spurred many small and mid-sized employers to look at high-deductible health plans with fairly high upfront deductibles and lower premiums. According to a Kaiser Family Foundation survey, almost a quarter of those covered by employers with fewer than 200 employees had HDHPs, compared with 17% at larger employers. Such moves will probably continue, as both employees and employers seek to reduce their premium costs.

The bigger potential impact on employees could come from employers that take more dramatic steps to avoid providing insurance at all. Darden Restaurants (NYSE: DRI  ) is one of many restaurant chains that has looked at increasing the number of part-time employees they hire to avoid the 30-hour-a-week threshold that triggers Obamacare insurance requirements. Theater operator Regal Entertainment (NYSE: RGC  ) reduced hours for many of its hourly employees back in April, citing the need to comply with the health-care law. Yet convenience-store operator Cumberland Gulf Group has said it plans to convert 1,500 of its employees to full-time status and provide health-insurance benefits in an attempt to attract higher-quality workers.

Net-net, until this give-and-take in the labor market gets resolved, both current employees and new hires will face massive uncertainty in their health-care costs. Moreover, now that the Obama administration has delayed employer penalties until 2015, workers probably have another year to wait before they'll know what happens on the employer front.

Waiting for the dust to settle
Unfortunately, even with important Obamacare provisions taking effect within the next few months, there's still a lot of uncertainty about how states and the federal government will coordinate to meet the law's requirements. Until they figure things out, it'll be impossible for you to predict for sure exactly how Obamacare will affect your insurance.

Still feel like you've only scratched the surface of what Obamacare means for you and your health care? The Motley Fool's special report "Everything You Need to Know About Obamacare" takes a 360-degree look at how the law may affect your taxes, health insurance, and investments. Click here to grab your free copy today.


Read/Post Comments (109) | Recommend This Article (40)

Comments from our Foolish Readers

Help us keep this a respectfully Foolish area! This is a place for our readers to discuss, debate, and learn more about the Foolish investing topic you read about above. Help us keep it clean and safe. If you believe a comment is abusive or otherwise violates our Fool's Rules, please report it via the Report this Comment Report this Comment icon found on every comment.

  • Report this Comment On July 07, 2013, at 9:29 AM, iamnik77 wrote:

    We need legislation to make medical service providers post prices for their services up front like a retail store does for its products so consumers can more easily price shop. If they competed with each other more on price like the rest of the markets do, prices might go down which would drive insurance costs down. Also finding a way to drive down the cost of medical school could help make costs for health services/insurance lower. If anything, Obamacare is making us more closely examine the actual costs of insurance and will put the topic of how to lower the cost on people's radar.

  • Report this Comment On July 07, 2013, at 9:29 AM, klbparis wrote:

    All public school teachers in Texas have a state-wide plan through Blue Cross Blue Shield. I've already been told my monthly premiums for family care (single parent plus children) will increase by $120 a month and our deductible doubles from $2400 to $4800. I am in a small rural district making well below national average salary. Basically I'll be paying for a policy I cannot afford to use.

  • Report this Comment On July 07, 2013, at 9:34 AM, skypilot2005 wrote:

    Dan,

    Thanks for the article but, you are wrong.

    President Obama said in July of 2009:

    “If you like your doctor, you will be able to keep your doctor. Period. If you like your health care plan, you will be able to keep your health care plan. Period. No one will take it away. No matter what.”

    Hmmmm

    Sky

  • Report this Comment On July 07, 2013, at 9:36 AM, chrisxasos wrote:

    They hoped for change.... They got it!

  • Report this Comment On July 07, 2013, at 9:50 AM, bcelectro wrote:

    Obama signs this travesty into law (I am sure he hasn't read it) and 3 years later, knowing it's a trainwreck, chooses to ignore the employer mandate! What if I choose to ignore laws? I have to pay the price. When Obama chooses to ignore the law, WE ALL have to pay for it! Obama, joke of the century.

  • Report this Comment On July 07, 2013, at 9:58 AM, JayTor2112 wrote:

    So skypilot, are you implying that because Obama said that, it means it's true? (shakeshead).

    If anything, the fact he said that confirms that it's not true. The more emphatically he says something, the more false it is, there's a direct correlation there.

    One of the main goals of Obamacare is to drive private insurers out of business, and make it too expensive for employers to provide health insurance for their employees, so everyone will eventually be herded into the ultimate form of government power over the citizen: single-payer socialized medicine. Simple as that.

  • Report this Comment On July 07, 2013, at 10:03 AM, skypilot2005 wrote:

    On July 07, 2013, at 9:58 AM, JayTor2112 wrote:

    "One of the main goals of Obamacare is to drive private insurers out of business, and make it too expensive for employers to provide health insurance for their employees, so everyone will eventually be herded into the ultimate form of government power over the citizen: single-payer socialized medicine. Simple as that."

    Yup.

    Sky

  • Report this Comment On July 07, 2013, at 10:04 AM, 2smartforlibs wrote:

    What it mean is if your employer wants to drop healthcare they now have a year to do it without penalty. You on the other hand don't have the option. When you employer dumps you because it will be in there best interest you will end up at the exchange. Meaning your well on your way to single payer and rationed healthcare and Obama screwed the low information types again

  • Report this Comment On July 07, 2013, at 10:05 AM, LairdJim wrote:

    Simple explanation: bend over and smile

  • Report this Comment On July 07, 2013, at 10:06 AM, typingfast wrote:

    To avoid all the pitfalls and problems of this insurance debate, I will just refuse to get sick. Although I am sick and tired of this already.

  • Report this Comment On July 07, 2013, at 10:07 AM, typingfast wrote:

    K-Y or vaseline is available at the front door free of charge as you walk in. Most find it helps.

  • Report this Comment On July 07, 2013, at 10:08 AM, royrooster wrote:

    This bone head is not my President. Who in the world is going to be elected (fairly this time) that can fix the current jerks mess.

  • Report this Comment On July 07, 2013, at 10:10 AM, dontwatchfox wrote:

    This article is another load of bull from the same group that advised everyone to invest in mortgage futures....More of big businesses incessant attack on middle America and making it sound like Pharmaceutical companies, the AMA and big insurers are looking out for the little guy....If you believe this article you probably also believe everything Hannity says on Faux news

  • Report this Comment On July 07, 2013, at 10:11 AM, typingfast wrote:

    Employees must wash hands after reading their insurance policy to avoid the spread of germs.

  • Report this Comment On July 07, 2013, at 10:14 AM, typingfast wrote:

    Royrooster, your answer is just around the corner. Hillary for President. It's her or the I quit as governor because it's too hard Palin.

  • Report this Comment On July 07, 2013, at 10:17 AM, bethkennedy44 wrote:

    In response to klbparis:

    Because teachers overwhelmingly voted for this President twice, we don't want to hear any whining about your health insurance premiums and how much more it's going to cost you. You and your co-horts got exactly what they voted for. Congratulations

  • Report this Comment On July 07, 2013, at 10:20 AM, neognome wrote:

    OK. Now will someone please explain NSA international market rigging.

  • Report this Comment On July 07, 2013, at 10:20 AM, NoMoeMoney wrote:

    Think of this: Obamacare will rely on younger, healthier people to pay for older sicker people. They HAVE to pay whether they want to or not so in turn, other peoples unheathy lifestyles will effect eveyone. If your obese then you will be a legimate target for ridicule by these young healthy folks to see that you make an effort to lose weight and eat healthy. The war on fat people will most certainly begin and it could get nasty.

  • Report this Comment On July 07, 2013, at 10:21 AM, sumoe99 wrote:

    I have insurance through my employer. By my accounting, they are paying 40% and I am paying 60%. Just paid over $800 in "co-pays" last month. Will this improve with Obamcare?

  • Report this Comment On July 07, 2013, at 10:21 AM, sagehopper wrote:

    "Could" affect it? That's rich. It already has. Almost every policy holder has seen their premiums go up, sometimes even double. They have already seen that their copays have gone up. Many elderly have discovered that their doctors are not taking new Medicare patients. Many doctors refuse to take on Medicaid patients, cause it is a money loser for them. Could? Yeah, right..And now the good ol' IRS can look at your health record.

  • Report this Comment On July 07, 2013, at 10:22 AM, Bloozmann wrote:

    Here is what I know..I've had employer paid insurance thru my company since 1968, I retired in 99 and my employer was paying half of the ins premium and I was paying half. Obamacare comes in, and now I have to buy my own insurance thru the exchanges at 4 times what I was paying. I now have to sell my house cause I can't afford healthcare..Thanks Obama and Rahm Emmanuel..I wouldn't piss on either of you if you were on fire.

  • Report this Comment On July 07, 2013, at 10:24 AM, sirbialik wrote:

    I still ask, what if one never gets sick or has been in the hospital for anything, that person just basically threw their money away for whatever time they had their medical insurance. I happen to be one of those people.

    Never been sick, never needed a hospital or besides the regular female things, never had to see a doctor. So my only option is to throw away $100.00 dollars a month for nothing? Pay the "administrative fees" for whatever company just to have me on their list of recipients for coverage? That don't make sense either!

  • Report this Comment On July 07, 2013, at 10:24 AM, Dgolfs2 wrote:

    Dan,

    Your scenario #2 is so misguided that it teeters on being silly.

    I manage the healthcare benefit for a Fortune 50 company and while the issues you bring up are true, they are by no means the biggest threats to those that have health coverage through an employers.

    Cost have significantly increased for employers through Health Care Reform. 1) A decrease in the Medicare Part D Subsidy payments from the Federal Government, 2) Having to cover dependents up to age 26, 3) Increased mandatory coverage of prescription drugs including birth control, 4) Transitional reinsurance (about $65 per covered life per year) starting in 2014, and the list keeps growing.

    All of these increases in cost to the employer to sponsor health coverage will 1) force employers to significantly raise premiums in the coming years for the same coverage you are getting today, 2) drop traditional coverage and give employees a set amount of money to go buy an individual policies in the exchanges, or 3) drastically reduce coverage to a bare-bones policy that has fewer options including their physicians, drugs, and hospitals that are currently part of the coverage today.

    So to dispel a couple of myths: 1) can I keep my same doctor? Only if the employer keeps your current physician in their network. There is nothing stopping an employer from dropping high- cost providers. 2) will my coverage stay the same? In all likelihood no, to make up for the increase in cost employers will have to cut benefits to maintain coverage.

  • Report this Comment On July 07, 2013, at 10:30 AM, JESSEG67 wrote:

    Obama, you think like a Socialist and for that got burned by the Capitalist business owners. They called your bluff and won; less than 50 employees or 29 hour work weeks to avoid Obamacare; done deal.

  • Report this Comment On July 07, 2013, at 10:30 AM, sagehopper wrote:

    The law has ballooned from the initial 2,700 pages (even War and Peace isn't that long) to 20,000 pages. This does NOT explain any of it.

  • Report this Comment On July 07, 2013, at 10:31 AM, NativeAmerican wrote:

    Go to the Library...blow off the dust covering the History and Amendments to the Old-Age, Survivors, and Disability Insurance (Social Security) Book. Read the outcry of Socialism in America and no they did not call it Roosevelt Care.

    We will coninue and need to continue to make amendments because NOTHING is perfect.

    Here we are again, fighting Socialism and with the help of the Incomplete dominance of Media and Social Media we don't even know the name for the healthcare act "Affordable Care Act" commonly referred to as Obamacare! Ludicrous however, very American! Our biggest boogeyman in History SOCIALISM! "gd socialism" Trying to destroy America. No one said that about the DRAFT!!!! No one says that about the FAA!!! No one says that about our Library systems, transportation systems WAIT!!!! Yes, now they have added passenger rail service to the SOCIALISM SCARE!

    I am old and tired but very happy because as a grandfather one can shake a head and realize that when the dust settles, as it always does, it's NOT Dooms Day or SOCIALISM, it is America, the greatest Nation in the world feeling Growing Pains!

    We will pass laws effecting everyone. We will make Amendments effecting everyone and we will continue to move through History setting our sights and marking our path! Can't ya love it?

  • Report this Comment On July 07, 2013, at 10:34 AM, SOBEflyGuy wrote:

    The fact that entrenched Insurance Companies that profit on peoples health are willing to leave markets, if we look at it as blessing, we'll find that it will make it easier for UNIVERSAL HEALTHCARE to become a key option to americans!

  • Report this Comment On July 07, 2013, at 10:35 AM, cvb346 wrote:

    Well we all have the choice not to eat the GMO foods & the meat with antibiotics & growth hormones. If we as Americans support the organic farmers instead of the big food businness who in turn support the Pharmisutical companies ( who are making synthetic druge to "ONLY TREAT SYMPTOMS" of the many health issues we are now facing)who in turn lobby the voltures in the congress who complete the (in turn) by having the big food chains provide "them" & (us little folks) , with their OWN in the pocket positions in the cabinet, then maybe we can all stop "eating cake" as they now have us believing we need to.

    Their" cake" is poisening us & altering our DNA for the future of our nation. It's all a huge rackett for corporate America to continue their greedy policies. We as a nation are "sicker" now in these times more so than any time in our nations past. Think about it is their ANY ONE you know who is not taking some sort of medication for some sort of illness? OTC or RX it is all a money making racket. One that we are funding. SO let us take out selves to a more organic future to stop all these symptoms of illness fom man made chemicals that alter our cells & cause our health issues. Last but not least think about how many fat children we have in USA more than ever .. we are feeding them synthetic crap & making them sick. Proof is in the generational decline in health over the past 30 years.

    "I'm just say'en" look at us America.

  • Report this Comment On July 07, 2013, at 10:36 AM, terioz wrote:

    I have no job, no medicaid, no food stamps, I would love to have Insurance, When is someone gonna help ME?

  • Report this Comment On July 07, 2013, at 10:41 AM, taxman92108 wrote:

    Here is one thing that everyone forgot to mention about Obama care. For veterans it has made the wait times much longer. It turns out since the cost of medical plans and the yearly deductibles have skyrocketed they can no longer afford their employer sponsored insurance. Some employers can not afford it either and so they have dropped their medical care plans all together. So they enroll in VA for free and only pay a $15 copay to see a primary care doctor and $50 for a specialist. A one month supply of meds was $7 and I believe that is still their cost. By enrolling in VA they meet the requirements for having medical insurance, it is good care. When you have someone like me who is 130% service connected with multiple disabilities I have to wait months for knee surgery because Congress does not provide enough doctors to meet the new influx of veterans. Now, well I can't blame these veterans, like me they earned the right to use VA, still I can't see why I end up having to wait so long for a knee to get scoped for a simple tear. Obama care did veterans no good at all, it made it worse for us. That's not what he promised.

  • Report this Comment On July 07, 2013, at 10:41 AM, satdog49 wrote:

    It is a shame americans dont pay attention especially to their congress. Republicans and Democrats need to do the right thing. Healthcare should be for all not for just making a large amounts of money. If the day to day average voters do not change how we operate and keep going along with FOX and the media the country going to continue to fall. The corporation and governemnt supporters of corporation getting paid by corporations love average people figting each other to strive to live. If we do not wise up you will not even be able to survive. As the bible says Man will kill Man. When are we going to wise up and do whats right for the country! It is a shame we dont pay attention Obama care no one knows until it is rolled out. My question is do you think the private industry needs to take control of this you must be in dreamland they have been raising the prices for years now not just under this President. And if you paid attention to congress republicans would not let a single payer system on the books because of the money involved to them this would have made the private companies be honest on pricing. Are we ever going to wise up or keep playing games!

  • Report this Comment On July 07, 2013, at 10:43 AM, droolspaz wrote:

    Could affect your policy. Obamacare does not set the pricing for the insurance company. The pricing is set by the insurance company. All Obamacare does is say you must cover this and that. Don't mistake that the insurance companies would hike you rates if the general public saw that any policy had to do with health insurance. You will enjoy the fact that your previous condition has to be covered, or that you children can go to college and focus on education and not worry about if they get ill.

  • Report this Comment On July 07, 2013, at 10:44 AM, clloyd53 wrote:

    Redistribution of the wealth. Taking by those with good steady jobs and giving it to those without. We give billions to African and Muslim countries. In hopes that they become as addicted to consuming goods as we are. Government figures that if all people were more concerned about new smart phones like us. They will become as lackadaisical as us. And will be as easy to control as us. The real problem is that they redistribute the wealth from the working man and woman. And do not touch the wealth of the top ten percent. The working taxpayer supporting the dreams of the wealthy.

  • Report this Comment On July 07, 2013, at 10:52 AM, Code07RN wrote:

    I am a registered nurse in California. I have had health coverage through my hospital for the last nine years. As of recently, our hospital is trying to take away our medical benefits for anyone that works less than 30 hours per week.. with more cuts to come. It's just cheaper for them to pay the obamacare fine. On top of that, reducing our pay scale by 11%. Our union has been trying to negotiate but ultimately, it is the hospitals business decision to make these changes. Imagine that, health care givers not even able to get health coverage in the hospital building where they are employed. Partly because of these changes, and the fact that the hospital expects us to document things that we are not actually doing AND staffing us so tight... I have decided that I must leave my profession. My goal is to enter the coroner field as I must go where the work will be! Sad.

  • Report this Comment On July 07, 2013, at 10:53 AM, TxFx wrote:

    One word: Disaster.

  • Report this Comment On July 07, 2013, at 10:54 AM, dontwatchfox wrote:

    If congress did not eliminate the single payer system from Obamacare this would not be a discussion...The only people that would be fighting this would be the insurance companies and the walking braindeads that watch Fox for news.

  • Report this Comment On July 07, 2013, at 10:59 AM, pablo070 wrote:

    You left out one scenario. It is the one where employers are choosing to drop coverage because they are under the 50 cap limit or in the case of the last company I helped convert they are willing to pay the penalty because it is cheaper then coverage. The reason I know this is happening is I am a member of a certain tea party group showing companies how to do it. To date I have personally helped 6 companies convert so roughly 856 people can not thank obama for not having coverage.

  • Report this Comment On July 07, 2013, at 10:59 AM, skypilot2005 wrote:

    On July 07, 2013, at 10:34 AM, SOBEflyGuy wrote:

    "The fact that entrenched Insurance Companies that profit on peoples health are willing to leave markets, if we look at it as blessing, we'll find that it will make it easier for UNIVERSAL HEALTHCARE to become a key option to americans!"

    FYI: New Fool, today.

    Hmmm

  • Report this Comment On July 07, 2013, at 11:01 AM, echodan wrote:

    The President, "hoped it would give everyone affordable coverage". Yep, great way to LEAD. Push a bill that he knew was an incredible failure, but hey, we're talking legacy here! Or, truly believe that it was a good plan, which proves his total incompetence in his position as the most powerful person on earth. "Hope" is not policy. God help us, I hope the American people have learned their lesson from this fool.

  • Report this Comment On July 07, 2013, at 11:02 AM, echuether wrote:

    There has to be a way to abolish this act. Obama is proving he is clueless and may be the worst president ever in the USA. Most Americans are against Obamacare and yet this buffoon is hell bent on pushing it through. Our senators and representatives need to grow a backbone and we need to start electing people who will stand up to this corrupt government that has now been in power for decades.

  • Report this Comment On July 07, 2013, at 11:06 AM, GabrielleGar123 wrote:

    Have you ever seen a POOR insurance company? CEO's have been ripping you off for YEARS?! They do it by making you AFRAID. They deny MRI's to patients so they can collect a bonus. Impeach Obama? Are you serious? Or just part of the sheep mentality that allows big business and the excuse of a free market society to keep the working and poorer classes down?

  • Report this Comment On July 07, 2013, at 11:07 AM, echodan wrote:

    I've read several comments from union members, (CA nurse, etc.), complaining about the changes in their health care costs. Well, all I can say is, put a lid on it! Unions played a major role in not only getting this guy elected, but re-elected as well. Spare me the sob stories when reality hits. Foolish adoration to Democrats for years has put you people in your place. Sorry, welcome to the real world.

  • Report this Comment On July 07, 2013, at 11:09 AM, assetguy wrote:

    $16 trillion of debt. $200 trillion of liabilities. $250 trillion of derivatives owned by the 9 largest banks.

    More debt piling on citizens.

    Free health care and dental for Illegals (including HAMAs), clothes, library, etc, at the ICE resorts.

    Docs are retiring early.

    ALL Costs are rising extremely fast because of the ACA, or the Democrat Rationing Plan. Actual unemployment is over 20%.

    BHO sends money and weapons (including jets) to his Muslim Brotherhood friends.

    Something's gotta give.

  • Report this Comment On July 07, 2013, at 11:17 AM, rdmcdonald48 wrote:

    This is what happens when you have a binch of people who have no idea as to how insurance works design an plan and then pass it before it's read and vetted. Basically, it's an enema being forced on Americans.

    You cannot add coverage where it did not previously exist without adjustments in premium to cover the risk.

    You cannot dictate that doctors and hospital service providers, as well as druggists, provide their services at a reduced price while having their costs increase as a result of an arbitrary mandate.

    You cannot dictate that private businesses incur costs, suffer fines and fees, without a reasonable expectation that they will find a way of avoiding the costs and adjusting their employees hours to enable profit.

    Now that you (President Obama) realize business is pushing back; you tell them that they now have an extra year to comply. The net result of that is that they will continue to reduce their costs as the law provides while the individual employees will be required to buy the coverage while seeing their earnings reduced. Effectively, this legislation will push a majority of employees into the category of the "working poor".

    Consider too those with full time jobs who will see a dramatic increase in their premiums. It serves to reduce their net income, and this policy will require a higher deductible ($ 10K in my case) and a 20% Co-pay. This amounts to a net cost per annum on a policy of $ 19.6K as an annual reduction in my earning ability. Not including the 20% Co-pay in the event of an illness or injury.

    These politicians have NO business involving themselves in health care. We need to revert to the proven ways of providing it to the people who need it most, i.e. charities. Once the government inserted itself in the business of health care vis-a-vie Medicare, the ship started to sink. This disasterous piece of legislation needs repealed - NOW.

  • Report this Comment On July 07, 2013, at 11:20 AM, radonal wrote:

    What is most apparent and makes me most angry about this whole issue is the bottom line....blame.

    I am admittedly surprised and upset having read this article. I now better understand the arguments of those who have consistently opposed this legislation and concede that in some part, many do have legitimate reasons for their concerns. You have made the muddy pros/cons clear, showing that this law does have very important negative consequences as well as many good points. As time goes on, I look for future amendments and revisions to make this system work for us....if that is possible. We all deserve decent AFFORDABLE health care.

    However, as saddened as I am about the impact of higher taxes and the likelihood of increased premiums, I am not opposed to government involvement. I am most disturbed and even somewhat angered because as the new health care law becomes more effective, our country is proving ONCE AGAIN that it is all about profits and not people. We are exposing another layer of the haves and have nots....and there are many. Without laws, who reigns in the excesses and abuses of these virulent profiteers?

    Voters can gripe all they want about politics and party rivalry but this article simply proves that even when the steps are taken to begin to provide something for everyone, there isn't any way to control the greed that industries impose without heed or conscience. That will remain...regardless of your party and politics.

    It is abundantly clear that hospitals, insurance providers and large employers are willing to drop their health care packages or increase prices in light of this legislation because it threatens their profits. They simply get around the law and dismiss responsibility or find new ways to charge more to those who are already struggling to afford their "services". Despicable....but what's new about that? Nothing!

    I must admit, I was unaware of the tax changes....and that must be addressed in future amendments to the law, tho it may just be the price we all pay if services are truly to improve. I, for one, am open to that discussion. I am also a supporter of Universal Healthcare....it seems to be a logical way to provide what we are essentially needing without the middle man called Greed.

    Until then, the public should be OUTRAGED and fighting mad that, as very vividly pointed out here, the real villains remain to be the insurance companies and employers.

    If We The People are going to start shooting we'd better be sure we aim at the right target. Don't shoot the messenger......he will soon be someone new and the real money mongers will still be around....even fatter and happily taking all of your money.

  • Report this Comment On July 07, 2013, at 11:23 AM, NeshanicMan wrote:

    As a self-employed person who has been purchasing his own insurance for the past 23 years, Obamacare is a good law because it forces insurers to stop offering garbage policies w/exclusions, etc. It also forces larger employers to offer health insurance which is all good. If you are a business and you can't afford to provide decent health insurance for your employees then you don't need to be in business.

  • Report this Comment On July 07, 2013, at 11:31 AM, thomasanto7 wrote:

    Whenever our personal choices are being taken away, it's not good for us... Our Government has bankrupt every program they have run without accountability and so it continues.... We are being taken over from within.... This is no longer a free market anything, it is all controlled.... Very scary!!!

    America is best described by one word... freedom! Try and find anything that isn't controlled by those in power... Copy and paste the URL below:

    http://www.change.org/petitions/charley-reese-s-final-column

  • Report this Comment On July 07, 2013, at 11:33 AM, banzue23 wrote:

    I work in the restaurant business. How do they fix this. they hire new part time employees cut evveryone below 30 hours and they get away from it. Best part is most major chain restaurants are getting rid of servers and they are computerized screens at your table. You put in your food when u first walk in. someone cashes you out and then someone brings you your steak... No employess more money for companies and no insurance.

  • Report this Comment On July 07, 2013, at 11:42 AM, NoMoeMoney wrote:

    @Neshanicman: So your good with your premiums and co-pays doubling? You must have a good high paying business. What makes you think your new policy isn't gonna be garbage?What makes you think your gonna be able to get quality care at all? There will be many more people in line to see your doctor before you are, if your doctor even stays in the profession at all?

  • Report this Comment On July 07, 2013, at 11:42 AM, MoiraCleary wrote:

    In response to klbparis:

    Because teachers overwhelmingly voted for this President twice, we don't want to hear any whining about your health insurance premiums and how much more it's going to cost you. You and your co-horts got exactly what they voted for. Congratulations

    ABove was posted by someone else. But very true, The teachers and the union all got out and voted. I worked a voting precinct. I voted against Obama. Did you vote.. if not enjoy the ride.

  • Report this Comment On July 07, 2013, at 11:44 AM, humphammer wrote:

    The ones who voted for this piece of crap to get him in the white house should be the ones who's insurance should go up. Everyone knew from the beginning what he was and what he was out to do. So the ones who voted for him and now are complaining

    please SHUT THE HE-- up. You got what you wanted now deal with it. !!! One of us who are disable or don't make enough to live, we are going to be the ones who suffer.

    Again, for you ones who voted for this walking , talking half breed. Fish, Fish, you got your wish. Now you suffer with the rest of us.

    Have a wonderful day.

  • Report this Comment On July 07, 2013, at 11:45 AM, Dadw5boys wrote:

    Imagine if Americans had fought against HMO's that took TRILLIONS of Dollars out the Americans Medical Care System after Nixion approved of the Kiser Business Plan.

    Have you ever listened to the Nixion HMO Tapes ?

    " We will charge more for Insurance and pay for less Medical Care " !

    And Nixion approved it !

    That is Collusion to Defraud the American People dorectly from the Oval Office !!!!

    Imagine if all those Trillions over the past 40 years had gone to Medical Care and Research !

    Imagine Insurance Companys only taking 20 % instead of 32 % to 39 % of the Medical Care Dollars. Well that is Reality now and they are not letting go of those Trillions in profit without a fight. If they have to lie, ,lie to keep people confused they will !

  • Report this Comment On July 07, 2013, at 11:45 AM, glanda wrote:

    It's outragest that the goverment is dictating our health care. How much we can and can't have! I also think it's outrages that the goverment is making employers buy insurance for their employees . They shouldn't be made to do this any more then big business has a right to run the goverment!

  • Report this Comment On July 07, 2013, at 11:45 AM, tweeter31469 wrote:

    None of this is true. It can't be. After all, Obama SAID "If you like your health care plan, you can keep your health care plan." So it can't be true that millions of Americans are being forced off of their current plans right?

  • Report this Comment On July 07, 2013, at 11:46 AM, villagenitwit wrote:

    The ultimate goal is to restrict care to those deemed incurable, or so expensive to maintain. Basically it is designed as a culling program unless you have enough $$ for your own care. Otherwise the elderly and the chromatically sick may as well plan their funerals now because time is running out . Once Obamacare is fully implemented a lot of people will find medical care denied to them under their obamacre policies.

  • Report this Comment On July 07, 2013, at 11:47 AM, Tasker11 wrote:

    http://news.yahoo.com/obamas-health-secretary-seeks-donation...

    US Secretary of Health and Human Services---Kathleen Sebelius was asking companies to help fund the Obomo care....I gues they haven't received enough donated money is the reason why they psotponed portions of the law until 2015.

    ...and people still support this moslem guy??? Wow....

  • Report this Comment On July 07, 2013, at 11:47 AM, Catastrophic wrote:

    Funny,People complained so much about the Bush Administration.Saying WE need a new President,One that will do a better job then Bush..WELL you idiots got what you wished for.A President far WORSE then Bush EVER was...LMFAO!!

  • Report this Comment On July 07, 2013, at 11:50 AM, ComradeYankee wrote:

    No matter what price sad truth that you will now be FORCED to pay for insurance every day for the rest of your life, Forget how YOU chose to spend YOUR own money.

    Dear Leader has stolen YOUR freedom in pursuit of glorious path of Democrat Party.

    Dear Leader and Democrat Party knows best what is for you.

  • Report this Comment On July 07, 2013, at 11:53 AM, valeriechicago wrote:

    Illinois to get nearly $10 Million in early Obamacare funds

    WASHINGTON DC - Health and Human Services Secretary Kathleen Sebelius announced Tuesday that Illinois will be getting $5 Million in federal funding through the already-in-effect federal Affordability Care Act - Obamacare - to expand and update medical facilities throughout the state:

    I went Heartland Health Chicago, checked me out head to toe, test, liver, kidney, ekg, heart, bloodwork. pay 30.00. if resident of chicago free. got me on new meds, bp damage to my eyes. I just want to say that I rec'd the best medical care I have ever rec'd in my entire life. Thank you the President Obama. Now there is no need for every broke person in America to go the Emergency room. Healthcare cost way down. Calfornia reports lower premiums than expected. I comtinue to go every month see 3 drs. they are a huge Blessing. Guess what Im trying to life and loose weight and move out of the home that is killing me.

    I love Obama, Too bad if you people with money and jobs are bitching, Go somewhere else for your healthcare, this is a country for everyone now, not just the successsfull people., im so sick of it.preventative is only way to make america healthier, people with jobs are the most unhealthy, its crazy, they all on meds, working hard so they can be broke, those the american capitalism way.

  • Report this Comment On July 07, 2013, at 11:54 AM, glanda wrote:

    Those that have place themselves in our goverment offices for more then 2 decades now have really messed us up!

  • Report this Comment On July 07, 2013, at 11:55 AM, glanda wrote:

    It's passed time to clean out big business from our goverment OWNED business!!

  • Report this Comment On July 07, 2013, at 11:56 AM, Barefootrader wrote:

    I've been reading many of these comments; very interesting. One thing most people do not realize is that the new health care laws DO NOT apply to everyone. For example, my husband is on a retirement plan from IBM; our plan did not allow our 25 year old son, in college, to go on our health insurance. We also have to pay for our routine check-ups. There are many companies out there who got grandfathered, and therefore, do not get the benefits of the healthcare law. I feel there are some who will get the benefit of it, and some who will not. What happened to pay your "fair share"?

  • Report this Comment On July 07, 2013, at 12:00 PM, mnhillsgrapes wrote:

    how is it that other nations find ways to provide for everyone, but in our glorious nation we spend more time criticizing everything and accomplishing nothing? The Affordable Health Care Act is good and bad. Paying taxes is good and bad. Government is good and bad. But gluttony is only bad.

  • Report this Comment On July 07, 2013, at 12:05 PM, Jarhead44 wrote:

    Obama, Pelosi and the rest of his regime really put the screws to real American citizens with this health plan of theirs. All it does is take away from those who have worked all of their lives in the private sector and give to those illegals who do not have any way of receiving any kind of healthcare and Obama has taken billions out of Medicare to pay for this. He and all of his regime and all of those that did not read this gigantic plan out of office for being inept at their jobs and laying it on the American People. This is one of the largest coups performed on real citizens in my memory. Obama is a man with his own agenda and it does not include those of us who have worked and paid into the system all of our working lives.

  • Report this Comment On July 07, 2013, at 12:10 PM, sabebrush6 wrote:

    New York Times scrubs inconvenient truths for Obama

    If you fancy yourself a "progressive" president, having a top aid who's a neighbor and friend of leftist terrorists and whose family is up to its neck in communists might be an advantage to forwarding your agenda.

    But that's true only if you can keep those facts from the American people.

  • Report this Comment On July 07, 2013, at 12:10 PM, skypilot2005 wrote:

    , valeriechicago

    F. Y. I.:

    New Fool, today.

  • Report this Comment On July 07, 2013, at 12:12 PM, ex95b wrote:

    Pelosi said before the vote " let's pass the bill, then we can find out what is in it." How many people would sign a contract like that? She, Reid, obama, all should be impeached. When will the Americian people wake up and realize we DO NOT need lawyers in the white house, congress, or senate, WE NEED BUSINESS PEOPLE, this country is a business, all they have done is created a nation of laws while the business of running the country has suffered: see made in china on all the things we buy. What ever happened to MADE IN AMERICA???

  • Report this Comment On July 07, 2013, at 12:13 PM, skypilot2005 wrote:

    FYI:

    NeshanicMan

    New Fool, today.

  • Report this Comment On July 07, 2013, at 12:14 PM, obamacare wrote:

    I currently have healthcare through my employer. The cost of covering myself did not go up extremely but the cost of covering my family did. $2300 a year to be exact. When Obummer proposed this scam I remember him saying " and it won't cost a dime". I remember thinking at the time, what kind of idiot thinks you can insure 1000's, 10,000's maybe millions of more people and it won't cost a dime. I guess you have to ask who he was talking to. If you don't pay for things like housing, food.....phones....then yes it's true....it won't cost you a dime. But if you do pay for these types of things.....BEND OVER.....

  • Report this Comment On July 07, 2013, at 12:20 PM, ijustdontknow wrote:

    WHAT IF YOU ARE MEDICARE? WHAT HAPPENS THEN?

  • Report this Comment On July 07, 2013, at 12:27 PM, Code07RN wrote:

    @echodan,

    Maybe my message wasn't clear. I am a nurse and have to be a union member where I work. I am not a democrat. Although there are some things that the union does that I think are good, I still believe that businesses should be allowed to succeed, or fail, and make their decisions. Our company will be less competitive and will continue to hire contract and temporary nurses because its just cheaper. It may not be the best for the hospital or the patients, but it's still cheaper. I personally would love to see more affordable health insurance plans that people can purchase for themselves... without having to worry about going bankrupt over "the balance". So... I am happy to take my skills elsewhere and work somewhere where the benefits are not that great, however, I will be able to sleep at night because I won't have to feel as though I can't help a patient in need... due to so many cuts. I have already had too many "close calls" and I cannot idly stand by and if your family member was my patient... you would see that I assert myself as much as I possibly can to protect their well being. Burned out. Moving on. Make sense?!

  • Report this Comment On July 07, 2013, at 12:29 PM, rcmckim wrote:

    This is such a bunch of GARBAGE, My health care costs have risen this yr for my family and the coverage is less and less. Yesterday my daughter went for her yr eye exam and we purchased supplemental insurance on top of our regular in surance as everyone in our family of 5 wears glasses. Our regular health insurance (which runs around 700 a month) did not cover it at all so we opted to purchase a vision policy on top of that. What used to cost a copay of around 20 dollars for the exam now run around 50 and the copay for the actual glasses was around 20 is also around 50. A difference of around 60 bucks a person. Now multiply that by 5 and that is 300 bucks just for eye care that we are ALREADY paying for. I HATE OBAMA CARE! It is a SCAM and UNCONSTITUTIONAL!

  • Report this Comment On July 07, 2013, at 12:34 PM, triliberty516 wrote:

    The definition for Racketeering: a racket is a service that is fraudulently offered to solve a problem, such as for a problem that does not actually exist, will not be affected, or would not otherwise exist. Conducting a racket is racketeering. Particularly, the potential problem may be caused by the same party that offers to solve it, although that fact may be concealed, with the specific intent to engender continual patronage for this party. A prototype is the protection racket, wherein a person or group indicates that they could protect a store from potential damage, damage that the same person or group would otherwise inflict, while the correlation of threat and protection may be more or less deniably veiled, distinguishing it from the more direct act of extortion.

  • Report this Comment On July 07, 2013, at 12:51 PM, lovemynation wrote:

    If you live in a state like mine, you are already seeing the effects of what has already been set up for this mandated healthcare takeover, our the new bureaucratically run program. While I understand the reasons to find answers for those who don't have insurance or can't get coverage, the backlashes of this new law is also effecting those who have paid higher and higher premiums to keep covered.

    Hours and wages are already being cut if you are not a full time employee, even on state and union jobs. These employees have already been told that they will be on the state's Obamacare program. Those full time on state/union jobs are being told that not only will their costs increase, and in due time WILL ALSO lose the insurance they have now, and will be put on the new one. They are still deciding if they may go as far as not covering ANY dependents after 2014 begins, and they too, will have to go to the new programs. Services and programs have already been cut to some terminal patients, elderly services, disabled services, and children's programs, and the care and coverages have already been sliced down to cover very little. The care is already being rationed out to those who are compromised in some ways. Over the past 4 yrs, the healthcare premiums for employees who work for the state has almost tripled, as has out of pocket costs and perscriptions. The coverage is good, but now the state is saying that it too, will be more costly and will cover less for the employees who are full time.

    Where exactly is the promise that if we like what we have we can keep it, when it is the govt programs that are offering less care at higher rates, or the person with insurance can no longer have it,because it isn't offered any longer? That only leaves Obamacare. And we are already seeing many of our drs leaving practice at the end of this year, because many do not want to care for people under this new program. And why give us a program that is not only a rationed MANDATED program, but is close enough to be called 3rd rate. How is this better? They took our 1st rate care for this? And then didn't even let US vote on it. Why not just give it to those who wanted it and leave ours alone?

    We asked for better choices. We asked to buy across state lines. We asked for coverage of pre-existing conditions, and we asked for tort reform. All we got was the pre-existing, and the addition of millions and millions who have been riding on other subsidy programs for decades, only now they can do it legally, without being worried about citizenship.

    At a time when our nation is suffering from wreckless and wasteful spending in DC. And economic meltdown thanks to the greed and less than above board tactics on Wall St. and the losses of many, many jobs and wages, why would our own elected stick a more costly, over taxed, rationed, cost vs care kind of program on us and remove our best care? Why invade between our dr and us? Shows us just how much they care about what they make us do or force on us, while taking care and time to see that they or theirs don't suffer the same hardships, consequences or costs. Shows us too, just how much more self entitled and self important they are, compared to the rest of us, doesn't it? So what if WE and our children are stuck with inadequate care? It isn't going to affect them, they made sure of that.

    I guess they were so busy designing the costs, taxes, who was covered and what was in it, they forgot all about implications, applications and implimentation. I guess they were so busy making sure that costs and quality was controlled, and how much more we would be paying for premiums, and who would be getting the rationed care, they forgot to make sure that we could afford to pay triple what we are paying now, for less than what we had. I guess that is what the watchdogs at the IRS is all about, huh?

    I guess now everyone is wishing they had taken the time to not only read the monstrosity this bill is turning out to be, but also not so determined to pass it, because most of it hadn't been worked out. And over 69% of us didn't want it, they just didn't care that it would be just as bad a bill as we all knew it would be. I guess that is what happens when they decide that they really don't care if we want it, or if it meets the real needs of the citizens, they just pass it, and tell us "We must pass the bill before we read it". Or when they tell us that we can read it once it has passed.

    Either way, at least they and all their families got to keep what they had, as did everyone that got their waivers. While I know that the union bosses got theirs, none of their members in my state, that pay dues and who also have paid higher and higher premiums and costs, got any waivers. In fact, alot of their members who weren't full time, are losing what they had.

    So where do we really come out here? Those on the welfare programs may not have to pay higher costs, or may ride for free. But what good does that do if someone in DC has to decide if"

    1) Your care is cost effective. If care isn't outweighed by cost, forget it. Or you will end up waiting for months. Like the terminal, the disabled, the elderly and infirm.

    2) You have paid your premiums. If not, you may not get care.

    3) You aren't terminal, disabled, senior citizen or infirm at some degree, you'll get care faster. Your care will be paired down, and it will take you time to see a dr, as well as have someone determine that good ole' cost vs. care. But, at least you will be covered.

    At least our elected members and their own families won't have to worry. I am sure since we pay their healthcare, and since they exempted themselves, their coverage is the best that it can be. And at least they will be able to get the kind of care, regardless of illness or injury, at the time they need it, and will get all the rehab, specialists, etc they can get. As will all those who also got exempted and those who got their waivers. While some employers may get a repreive for right now, they'd best tell their employees to get ready for when the rest of the policy is finally determined and written. I am sure that the rest of the bill, will be just as costly, restricting and regulated as badly as the parts they are doing now.

    This is just a typical kind of policy we have come to expect. Slap a band-aid on the problem, figure out how much money you can make by taxing the people to death for it, and move on, without considering if it works, or fixes the problem. This IS what the voters wanted. This IS why they chose to keep the same leaders sitting in DC and many other govt bodies, isn't it? Isn't this healthcare takeover, that ISN'T going to be free, or great for very many people, exactly why everyone wanted it to be passed? This IS exactly what YOU voted for.

    Funny, isn't it, that once it was the mobsters that peddled forced "insurance" protection on those they had power to control, due to fear or ignorant people. They were the ones that ran "rackets" to keep people safe from harm and injury. Now, not only is our govt in the insurance business, but its costly to us and is controlled as well as mandated. Forced is forced, period. And isn't it funny too, that now many states run lotteries? One way or another, the insurance business is paying off for govt, isn't it? With the money from the lottery AND now, the feds and states will be running our insurance "tax rackets" themselves. How did we ever come to the point where we have decided to let our leaders decide every aspect of our lives? When did we ever elect people to be our master determinators over our choices for what is right and best for us and our families? Shows us just how little control we have left over our own lives and govt. Once we had most of the power, and they'd have NEVER taken over our healthcare, then told us we could do nothing about it. And once if they had tried, we'd have recalled, impeached or fired them all. Now we just accept silently, while they do as they please, and leave us paying the biggest prices and costs. When did America decide forced control was better than freedom?

  • Report this Comment On July 07, 2013, at 12:56 PM, PTBiller wrote:

    The only way you could "price shop" for a medical provider would be to see a provider that has a contract with your healthcare insurance. If you see a provider that does not have a contract, then you could be responsible for the remaining balance of the charge.

    The insurance companies have set "rates" or in billing terms "allowables" that they will consider or pay the medical providers for services rendered to the patients. So it doesn't matter what PRICE the medical provider charges for the service, the insurance companies will ONLY pay or consider the amount that is allowed!

  • Report this Comment On July 07, 2013, at 1:05 PM, trajan24 wrote:

    The writer neglects too mention ( what a shocker) that Obama PROMISED that if you liked your present insurance you could keep it. Just one of the many massive lies our sociopathic President shoveled.

  • Report this Comment On July 07, 2013, at 1:31 PM, starfish36 wrote:

    Americans do not wise up easily about medical care. Private insurance companies have been raising rates for years while also using "previous exiting condition" dodges, cancelling coverage when people got seriously sick and discriminating against women. They have also profited hugely. They detest Obamacare because it ends these and other such practices while expanding coverage and placing limits on the amount of premiums that can retained as profits rather than used for health care. Private insurers had a chance to do these things and refused for decades. According to WHO, America's health system (without Obamacare) ranks about 38th in the world. France, which has essentially a single payer system (yes, socialized medicine) ranks no. 1 or 2. There are plenty of doctors and hospitals in France; and the people don't assail each other as free-loaders regarding medical care. Why is their system evil? Why can we not learn form it?

  • Report this Comment On July 07, 2013, at 1:55 PM, doco177 wrote:

    1. Millions are losing the insurance Obama promised they could keep. Because ObamaCare forces employers to offer expensive Cadillac plans but also offers the option of paying a fine for not providing health insurance that can be cheaper than providing it, between seven and twenty million Americans are likely to lose their health insurance coverage according to the Congressional Budget Office. The original estimate was closer to four million.

    2. The cost of healthcare premiums is about to further skyrocket. Premium costs have already exploded, but that is a slow-motion explosion. In the near future, we could see costs double or worse. Naturally, these costs will hit an already burdened middle class hardest.

    3. Lost jobs. Lost jobs.

    The Federal Reserve's March beige book on economic activity noted that businesses "cited the unknown effects of the Affordable Care Act as reasons for planned layoffs and reluctance to hire more staff."

    Human resources consulting firm Adecco found that half of the small businesses it surveyed in January either plan to cut their workforce, not hire new workers, or shift to part-time or temporary help because of ObamaCare.

    4. Potential doctor shortages that will mean rationing: The healthcare industry is already a bureaucratic quagmire. ObamaCare is about to add steroids. As the profession becomes tyrannized by government, the talented people currently practicing medicine plan to get out sooner than expected. Who knows how many will choose not to get in. Doctor shortages are what lead to the nightmare known as rationed care.

    5. Somewhere around $800 billion in tax increases will hit America's middle class. This added burden will not only further oppress a middle class already reeling from a drop in wages over the last few years, but could damage the overall economy.

    6. Inflation, the cruelest tax on the poor. When businesses get socked with added costs brought about by higher taxes and burdensome government mandates, they pass those cost along to the consumer in the form of higher prices.

    7. Added bureaucracy. Even those Obama lapdogs over at the Washington Post's Wonk Blog are admitting that applying for health care is about to get more burdensome than the byzantine paperwork involved in buying a home.

    8. To cut costs or to avoid having to provide insurance, workers on the economic margins are already losing hours, which means a lower paycheck. There are a million sad stories in ObamaVille; here are just a few of them.

    9. ObamaCare is projected to add $6.2 TRILLION to a deficit the GAO has already declared "unsustainable." That's "trillion" with a "t".

    10. More taxes than currently estimated are likely to hit because of situations like this one.

    11.Muslims, Amish, Native Americans, Congress are exempt from mandate and penalties under Obamacare that the rest of us have to pay.

    The govt becoming more involved in health care is the reason the costs have increased. So Govt creates a crisis, then provides a solution that comes at the expense of liberty and freedom, costs trillions, and by most accounts won't solve the problem but in fact make it far worse.Corruption, incompetence, disregard of the Constitution, and lying are integral to the way that this country is being run.

    Three years ago, Obama, Democrats, and his media lied to us about cutting the cost of health care, being able to keep our insurance, and not taxing the middle class.

    Today, those lies and what ObamaCare is and will do to the working and middle class are the biggest untold story in America.

    Just refuse obamacare..REFUSE..If only a mere 20% of the over 300 million population of the USA refuse Obamacare the government would be overwhelmed to even think they could penalize or mandate every citizen that refused to participate in the most corrupt and unlawful ways which it was passed that circumvented the constitution of the United States.

  • Report this Comment On July 07, 2013, at 1:59 PM, vet212 wrote:

    if what iv'e gotten so far is any indication very shortly no that's zero health care already we have changed insurance underwriters and had our premium raised out of pocket raised and our deductible to. so much for affordable health care and it will now go nowhere but up we did have the best healthcare system on earth we wont after this abomination becomes fully active the democratic party is now truly the demoncatic party

  • Report this Comment On July 07, 2013, at 1:59 PM, trailortrashdog wrote:

    Obama-care, dreamed up by this NUT Socialist President, we have, is the Nightmare of this decade. If this Obama keeps going in the direction, ne is taking this country, all I can see in the future of the United States, is a Quote by one of the greatest Presidents we have ever had, President George Washington. He said!

    "A free people ought not only be armed and disciplined, but they should have sufficient arms and ammunition to maintain a status of independence from any who might attempt to abuse them, which would include their own government".

    So I advise you-all to do as this great President said, We are very near to redesigning, the United States again, after the destruction Obama is going to do over the next three years,

    Please God, help this great Nation survive this turmoil, Obama has laid before us. Guide us through, with your strong had, dear Lord, and help us make this great Country great again, once more.

    God Bless America Home of the Brave, and one nut of a President. We are defiantly ready for Obama to go back to Kenya,

  • Report this Comment On July 07, 2013, at 2:00 PM, grumpf52 wrote:

    Because the provisions of Obamacare force insurance companies to take on extra expenses and cover people with high risk of collecting they are forced to raise premiums to everyone to replace lost revenue. Insurance is a business not a charity. If they lose money they go out of business.Good insurance coverage is expensive.The costs of maintaining insurance coverage for millions of people that could not afford it will cost tax payers an enormous sum. This is clearly not the answer to the health care crisis.

  • Report this Comment On July 07, 2013, at 2:01 PM, emal2me wrote:

    Here is how to make Obama care work better. Being that employee’s health insurance at work is already covered by Workman’s Compensation, Obama could remove the health insurance part if the employee is already covered by Obamacare.

    If the employee is not covered by Obamacare then the business would have to pay the full amount for Workman’s Compensation. In this way businesses would be in a damned if you do and damned if you don’t situation. It would help take away the incentive to have part time employees.

  • Report this Comment On July 07, 2013, at 2:04 PM, dluecke508 wrote:

    I am for the Affordable Health Care Act. Yes it will cost but do you not understand you are already paying for the indigent care when their bills are added to yours at the emergency room or wherever. And do you really think the hospitals, health care corporations, and pharmecutical companies will ever check themselves and stop raising prices...The CEO's and top managers demand their high salaries and pay raises and perks. And I am tired of hearing about the "way it used to be". Get over it, that system is long gone. In the present we have millions of people without health care coverage and we as a civilized nation need work on getting decent, affordable healthcare for all. It will not be perfect fresh out of the gate, but it will be something we can work with and adapt to meet everyone's needs. Nixon should have stuck to his guns decades ago when he proposed an overhaul of the healthcare system. It is here and we need to use our American energy and creativity to make it work.

  • Report this Comment On July 07, 2013, at 2:15 PM, sdchanman wrote:

    It means this is a lawless land. You pass a law it turns into a tax and then cherry pick what you want to enforce. A fish rots from the head down.

  • Report this Comment On July 07, 2013, at 2:18 PM, LB1901 wrote:

    Insurance companies dropping individual policies forcing thousands into ranks of un-insured; employers cutting hours forcing thousands into part-time employment; and those still with health insurance see rates DOUBLE, thanks to ObamyCare.

    How's that hopey-changey working out, America?

  • Report this Comment On July 07, 2013, at 2:25 PM, theGOPisretarded wrote:

    The GOP should all be arrested for treason, and violation of the oath they took against terror from within or abroad. When they signed that idot Grover Norquist's pleadge against any taxes, they violated that oath. Norquist is a terrorist from within, and should be arrested and prosecuted, along with the right wing nuts in congress and the senate.

  • Report this Comment On July 07, 2013, at 2:32 PM, airjackie wrote:

    it would be funny if it wasn't so sad to see the President again have to explain the health care after doing it for 3 years and even posting it online. now the citizens of Mass. did not need to have to have Romneycare explained to them for 3 years. Bush formed the same health care plan in Africa and they understood it right away.. That speaks volumes about the USA. Obama broke it down to where a 5 year old could understand the plan and still he has to come back out and explain it again.

  • Report this Comment On July 07, 2013, at 3:11 PM, kahutchins wrote:

    Could? It already has affected my husbands healthcare through his employer. Premiums have gone way up, deductible has doubled and out of pocket has doubled. Coverage has gone down. What a crock that we could keep what we had when his regulations in this make it so that we cannot keep what we had. Not to mention there is still no proven way to pay for all those who will be put on medicaid and other plans and get "rebates" through tax returns.

  • Report this Comment On July 07, 2013, at 3:12 PM, awmills81 wrote:

    I am a public school teacher in a southeastern state where in January not only did my premiums for my health insurance go up almost $200 a month but the level of benefits has decreased with me having to pay drastically more out of pocket for doctor visits, medical testing, medical services and prescriptions. Not quite sure where the AFFORDABLE comes in to play for me after being hit not once but TWICE with increased costs to me.

  • Report this Comment On July 07, 2013, at 3:23 PM, Pablocruse wrote:

    OLOSER

    This is the man who golfs with the stars, takes lavish taxpayer-funded vacations, throws blow-out celebrity parties at “the People’s White House” (although he doesn’t invite the people), and keeps his office a comfy 75 degrees while telling Americans to avoid heating and A/C in their own homes. Hearing that he won’t touch American food, in an American setting, without having an employee taste it first just enhances the image of him as an out-of-touch wannabe dictator.

  • Report this Comment On July 07, 2013, at 3:23 PM, firecongress wrote:

    The Affordable care law is FAR from affordable. My health insurance started out at $1500 per month. After this law passed, insurance costs went up, coverage went down, deductibles went up. Right now, if I had the same policy I had 3 years ago, the cost is over $4000 per month. I can no longer afford health insurance for my family. I am receiving social security, but my husband is not old enough. My husband was laid off, and no one wants to hire a 59 year old for anything. My social security check is slightly over the limit for him to receive medicaid. We may be forced to get a divorce just so he can get health care.

    Has anyone noticed how the job numbers are "improving"? Maybe the fact that employers taking full time positions and converting them to 2 or 3 part time positions. In my area, there are NO full time jobs available in mental health care, which is where my husband worked for years.

    Too many people talk about people who "don't want to work." Well, it isn't that simple. I know of many people who would take a job, ANY job and just can't find one. Aside from my husband, my youngest child is 17 and can't get a job anywhere. My oldest graduated from a vocational school in auto collision repair. No one will hire her because she has no experience. She can't get health insurance in her state unless she got pregnant. Apparently the state of Florida rewards those who are irresponsible. She now is working 3 part time jobs. We keep asking about the "exchanges" in her state and in mine. No one knows what's going on. I suppose we should all ask Nancy Pelosi, the queen of "We have to pass the law and find out what's in it." Apparently after 3 years, she still doesn't know what's in it.

    I am neither Democrat nor Republican. All politicians are crooked. Until we go back to the days when being a representative meant you actually DID represent the people in your district, nothing will be done. Until we abolish all of the perks given to congress, we will always have people who only want power. When have you ever seen an ordinary lower to middle class person get elected? You can only get elected if you are rich and have corporate connections. Despite the smears against Rich Romney, has anyone checked the wealth of the democrats? None of them are hurting for money. ALL of them get the best healthcare in the country FOR LIFE, and the best pensions FOR LIFE. What a gig that is!

    Our country can only get back on track if we get rid of government as we know it, as the founding fathers intended it to be.

    Universal health care might actually work here. The reason health care is as high as it is is because doctors are forced to order unnecessary test just to cover their butts to prevent frivolous lawsuits. If we made it so the losers of these frivolous lawsuits were forced to pay legal expenses of the winners, lawsuits would cease. Ambulance chasing attorneys would be stopped. Doctors could go back to diagnosing illness instead of paying exorbitant malpractice insurance and being forced to "settle" stupid lawsuits because it costs more to defend it. Unnecessary testing would go down, health care costs would go down.

    I have friends in Canada that pay a nominal amount for national health care, and it works quite well for them. Of course, in our country, too many people are used to getting whatever tests they think they need, get the latest medications, all because they pay the same copay. If you actually shop for health care, you will find a tremendous difference in price. Two of my husbands meds cost $75 at one pharmacy, and cost $25 at another. I never paid attention to the cost because I paid a $10 copay no matter what the cost. Now that I pay out of pocket, I won't go to the pharmacy that charges 3 times the price.

    Health care desperately needs to be reformed, but the Affordable Health Care isn't even close to the answer. National health care COULD be if done correctly. There are no "death panels" in Canada. My friends there have significant health problems, one had heart surgery, one is diabetic, and one has sever asthma. They all say health care is excellent and efficient.

    God help us all if we continue down this path.

  • Report this Comment On July 07, 2013, at 3:56 PM, gulfcoastrebel wrote:

    The problem is not that they might change my insurance and make it more expensive. The subsidies will more than cover that. It's idiot state legislature - like ours in Missouri - that will leave money for Medicaid expansion on the table - and throw the poor under the bus without any insurance. If you (a couple) don't have Medicaid, and earn $15,509 a year or less in Missouri, you will have to pay full price, actually more than you earned, for insurance. If you earn $15,510 or more you will get it for 2% of your AGI: as little as $320 for a year. This is the merciless Republicans and tea party-controlled state legislatures' - not Obamacare's - doing.

  • Report this Comment On July 07, 2013, at 3:56 PM, Darci41109 wrote:

    @klbparis not too sure if you are aware of the insurance policies offered by the state of Texas for teachers. I am also a teacher in rural texas. Just so you know you have a choice about which insurance policy to choose from (or you can decline to take their policies all together and go outside the system) I do not have the PPO but the HMO which is much cheaper and has better benefits. Mine is only increasing about $15 a month and the benefits are basically the same from last year. Also, it is your choice to put your whole family on your plan. I chose to cover myself and my children, while my husband has his own independent insurance. Yes, he has a high deductible with low monthly costs, but it is basically for emergencies only as he is rarely sick. Also, you forgot to add that your school district is REQUIRED BY LAW to pay a portion of your insurance costs (mine pays $225 per month, which I believe is standard across the state). Before you complain more, know your options!

    By the way....in Texas we don't have teacher unions, we are underpaid! I am not a fan of Obamacare, and I voted for the other guy!

  • Report this Comment On July 07, 2013, at 4:03 PM, bc3b wrote:

    valeriechicago -

    Welcome to the new Amerika, where taxpayers not only get to pay for their families, but also for a second family that is not contributing and not paying taxes.

    Enjoy your ObamaPhone and food stamps.

  • Report this Comment On July 07, 2013, at 4:10 PM, bc3b wrote:

    "I have friends in Canada that pay a nominal amount for national health care, and it works quite well for them."

    Canada does not have 47% of it's population not paying income taxes. It is very selective as to what immigrants it permits into its country. It limits immigration to professionals who can make a positive contribution to society. The number of aliens we will admit (illegals and family reunification) over the next 20 years will be 35-50 million - more than the entire population of Canada

  • Report this Comment On July 07, 2013, at 4:34 PM, quinn577 wrote:

    "The problem is not that they might change my insurance and make it more expensive. The subsidies will more than cover that."

    Not if you make over $92,000 a year. And just because I do does NOT mean I can afford to pay DOUBLE what I am paying now.

    Even if I could, both my insurance company and my husband's say we have to look elsewhere, as they are not covering individuals in our state anymore (and it's NOT California). So the poster "dontwatchfox" is full of it when he sees this article as BS.

    "I have friends in Canada that pay a nominal amount for national health care, and it works quite well for them." Great for them. The same is NOT true for my friends in Europe, where two beloved friends in two different countries will very likely die from things that are treatable here (well, before Obamacare and the unelected boards deciding was will be paid for).

    "I am for the Affordable Health Care Act. Yes it will cost but do you not understand you are already paying for the indigent care when their bills are added to yours at the emergency room or wherever. "

    HAHAHAHA! ROTFLMFAO! Seriously??? And the answer to this is to make my family pay over $4,000 a month for medical insurance - which essentially means I have to drop it and pay the fine?

    Half the country, according to the BLS, is working at jobs that are part time without benefits. It's gonna get worse.

    Best post: doco177's on July 07, 2013, at 1:55 PM.

  • Report this Comment On July 07, 2013, at 4:41 PM, quinn577 wrote:

    Worst post: "As a self-employed person who has been purchasing his own insurance for the past 23 years, Obamacare is a good law because it forces insurers to stop offering garbage policies w/exclusions, etc. It also forces larger employers to offer health insurance which is all good. If you are a business and you can't afford to provide decent health insurance for your employees then you don't need to be in business."

    "Garbage policies?" I WANT the choice to choose a policy that doesn't cover everything but the kitchen sink! I WANT the choice to get, for example, an HSA and a high-deductible policy, etc.

    And SERIOUSLY, If I cannot afford this Cadillac insurance Obama wants, I should not be in business? And who is going to support all the people I would have to fire - you?

  • Report this Comment On July 07, 2013, at 4:44 PM, basaladino wrote:

    thanks to Obamacareless; do you really think that this president has our countrys best interest? NOT; no jobs; destroying our Consitution; lying; enjoying spending our tax $$. Not to mention that the CROOKED IRS, will be collecting your $$ and God help those who cannot pay...so think of what happens should you not pay your taxes...jail; lose your home or job??? Big brother IRS will attack your assets $$ or worse as they can do what they want to . stupid

  • Report this Comment On July 07, 2013, at 4:53 PM, jrlorax wrote:

    The insurance industry or the insurance mafia has dominated and bullied its way to the top of money hording organizations. The truth is Americans pay huge cost to these thugs for protection, but get little to no return from them. They bullied the BMV, the doctors, and now the employers. What next will the insurance mafia bully to pay high cost? America needs to burn their worthless policy and stop allowing these thugs the power. Maybe then the cost of living will go down to a reasonable level.

  • Report this Comment On July 07, 2013, at 5:03 PM, SammyBernstein wrote:

    Obama explained it in two words, "YOU'RE FUQKED !"

  • Report this Comment On July 07, 2013, at 5:19 PM, RickBGA wrote:

    1. Valeriechicago, who commented "Too bad if you people with money and jobs are bitching"; I am happy you received the care which you apparently needed but I would like to point out, those "people with money and jobs" paid your bills, not Obama. Don't let him fool you and take the credit.

    2. Like Valerie, many people think Obamacare is going to be free. It isn't, the taxpayers are footing the bill for those unable to pay. Those low to no premiums, copays, coinsurances and meds are being underwritten by the taxpayers, not Obama or the HHS.

    3. Just my opinion, Obamacare is/was designed to fail from the start. It is just a way to phase in universal healthcare.

    4. Just my opinion, We need to redesign healthcare in this country. Medicare works, Medicare for all and rates/fees are controlled. All means all, no union plans, no Federal employee plans, no exceptions. The flip side is training the physicians needed to take care of all and I would propose doing that with a grant system to pay for their education where the grant is paid off over a period of 10 - 20 years with credits for time "in the business". All malpractice is done through arbitrators and legal fees are set and controlled.

    5. We now have 30,000 pages of rules and regulations to support a system so complex I question its manageability in total. The right hand does not know what the left is doing. I do not think this article is correct in many of its assumptions just because of the quicksand on which we are trying to build the legislation.

  • Report this Comment On July 07, 2013, at 5:42 PM, rmathbax wrote:

    WHY DID THIS HAPPEN?

    Gov't was being forced to pay more for the uninsured because the promises of the always- more-virtuous-corporate-free-market were insuring fewer people. With our without Obamacare taxpayers would be paying more. The "death panel" is having no insurance.

    History repeats itself every few generations. This happened with the elderly in the 20th century Tada! Medicare!

    Around this year's thanksgiving table, remind your elderly tea party sympathizing, FOX news watching, grand parents that for every dollar they put into the medicare system when they were working they will pull out $3 before they die - and at your expense.

    YIKES! Talk about socialism. Are Nana and Pop-Pop socialists? May be!

    I'M FROM THE GOVERNMENT AND I'M HERE TO HELP! No kidding, consult your grandparents medical bills.

    Try tell these old people on the "Obamacare of yesterday" to stop having the government pay beyond their contribution. Have them ask their old corporate employers to pay the bill or better yet, pay for grandma's hip replacement out of your own savings( if you have any).

    Still better yet, learn how stuff really gets paid for and who really is on the dole in this country before "derp-derp-derping" about your president. You'll be surprised how much the middle class needs the government to stay afloat.

    MOUTH MEET HAND THAT FEEDS YOU!

  • Report this Comment On July 07, 2013, at 5:45 PM, MPJ7 wrote:

    What is wrong with some of you guys ? My insurance premiums and deductibles have been going up each year way before Obama was in office. I am paying for all of those millions of people who dont have any insurance already. Something had to be done. Now, is this the best idea ?? I dont know - we will all see !

  • Report this Comment On July 07, 2013, at 6:03 PM, Patriot4vr wrote:

    The truth is this: The majority of Americans did not want ObamaCare...and this administration PUSHED it through under false pretenses (anyone remember the interview between Obama and Stephanopolous? "George...it's not a tax!" For those of you who don't, feel free to YouTube it.)

    -The plan WAS 2700 pages long and no one knew exactly what was in it. Unbelievable that there's any person out there who feels this was justified (that includes you, Judge Roberts.) I know it doesn't concern you, Ms. Pelosi, but the majority of us Americans don't pay for our groceries in advance, only to look into the bags to see what we've purchased after the fact.).

    -No matter who you are, Big government will eventually infringe on liberties YOU hold near & dear to your heart.

  • Report this Comment On July 07, 2013, at 9:24 PM, skypilot2005 wrote:

    On July 07, 2013, at 4:41 PM, quinn577 wrote:

    "And SERIOUSLY, If I cannot afford this Cadillac insurance Obama wants, I should not be in business? And who is going to support all the people I would have to fire - you?"

    Good point.

    The June "jobs report" showed a big jump in the number of people wanting to work full time but could only find part-time work. To 8.23 million.

    Could it be a "trend" because of OBama Care and the required coverage businesses have to pay for when it starts?

    Sky

  • Report this Comment On July 07, 2013, at 10:11 PM, Fight4Justice wrote:

    After 11 years with a major defense contractor and 2 years from full retirement benefits, they laid me off, a trend that continues to this day. So being in my 50's and unemployed, I desperately need affordable health care since I am now paying almost $400 per month with a $10,000 deductible. Insurance does not love anyone over 50. However, my trust in government remains about as low as it gets so I am still waiting to see what we really get. I fear that part of the catch is that employers will start ending health care which is one of the highest costs on their books that just keeps rising. Jury is still out on this one.

  • Report this Comment On July 08, 2013, at 6:32 PM, realist57 wrote:

    There are so many pros and cons to this healthcare plan; but bottom line affordable healthcare for everyone is just not realistic. Wake up! The government employees who designed this bill can keep their current taxpayer paid insurance plans, but we are going into an "exchange" paid for and managed by the government that cannot agree on anything. People who can afford healthcare will get the best. The rest of us better not get sick because who is going to decide what is covered and what is not? Cost cutting is going to mean tough choices including who lives and who dies.

    Look at some of the loopholes, each state senator and/or representative included some stipulation or pork funded project as a purchased vote. That's why the bill is so large! An insurance policy with payment structures should only be 50 pages!!

    There are some good ideas in this healthcare plan, but it is so riddled with loopholes, exceptions, mandates, misinterpretations, and misconceptions it will never become financially viable. Social Security was a simple retirement plan that worked until the money was placed in the general tax fund instead of producing interest for the worker to provided benefits. Do you really think the government can manage the entire nations healthcare.

  • Report this Comment On July 08, 2013, at 8:19 PM, alamo0809 wrote:

    I know this is long but it is a true account of our experience with ObamaCare

    IN MEMORY OF BARBARA CHAFIN

    In January of 2010 the local pharmacy and gift shop had new owners and the working climate for a number of employees became negative and hostile. One of those employees, Barbara Chafin. With the encouragement of her husband, Barbara quit her job as a clerk and relinquished her employer sponsored health insurance. She was retirement age but not old enough for medicare so the Chafins set out to get health insurance.

    With a local State Farm Insurance agent acting as broker Barbara and her husband applied for private health insurance and were turned down, John because he had had a minor pre-cancerous lesion removed from his face and Barbara because she had had a hysterectomy 15 years earlier. ( Later the Chafins went through another local agent to apply for health insurance and would be notified that John was accepted but Barbara was turned down, again, because she had had a minor arthroscopic procedure done on her knee 2 years earlier, however the Chafin’s would not be notified of this decision until Oct. )

    In the early summer of 2011 Barbara noticed she was having difficulty swallowing. Residents of a small, rural community in Oregon, the Chafins were thrust into the competition for doctor’s appointments at the small, local clinic. Her doctor referred her to the surgeon who biopsied the mass and affirmed it was a cancerous growth. The surgeon set up the initial appointments with specialists for a myriad of diagnostic appointments that would require over night travel to Portland, 6 hours away. The news came to Chafins by way of their local doctor on August 24. Barbara had stage 4 esophageal cancer that had already progressed to her other organs, including her lungs. The oncologist explained Barbara’s prognosis would improve if the cancerous lesions on her lungs were “lung cancer” as opposed to the rapidly progressing esophageal cancer. The Chafins were given the options for treatment and further diagnosis which verified the cancer that was advancing through Barbara’s body was, indeed, the deadly esophageal cancer. Arrangements were made for treatment to take place at Oregon Health and Science University (OHSU) in Portland and scheduled to start Sept. 7th.

    The overwhelmed Chafins had two weeks to talk to family members and to assess their medical and financial situation. John was collecting a small Social Security check every month. Proceeds from 2 small rental units added to the family income. Having a realistic understanding of medical costs for cancer treatment, John called a bankruptcy attorney, fully expecting they would lose everything they owned, as many other families had, as a result of costly medical conditions. In fact, nationally, the leading cause of bankruptcy in the US is a result of catastrophic medical emergencies. The attorney explained to John that, although every state had unique provisions for filing bankruptcy Oregon was one of the worst. A medical facility had the right to take everything a person owned except for $50,000. The Chafins could be forced to sell their home and assets, keeping $50,000. to start their lives over while dealing with the aftermath of Barbara’s cancer. In Florida, the attorney claimed, an individual filing for bankruptcy was allowed to keep a million dollar house. “It is the law of the land” the attorney explained, “The medical industry can set whatever price they want, there is no control over what they can charge and they have absolute collectability . “ In the midst of everything, life threatning cancer, medical needs and financial concerns, the Chafins were overwhelmed with worry and despair.

    Later, on the night of August 25th John’s daughter called to tell him she thought he would qualify for the Federal Medical Insurance Pool, (FMIP, Obama-Care). On the morning of the 25th John called his local insurance agent who had brokered John’s medical insurance, (the same insurance that would turn down Barbara in Oct. because she had had arthroscopy on her knee.) The insurance agent told John not to bother with FMIP, that the Chafins would not qualify... But later that same evening John’s second daughter called, again, telling him she, too, had read the information on FMIP and that it appeared Barbara would indeed, qualify for FMIP benefits and faxed the application to John. John read the application and agreed, they met the criteria for FMIP. The following morning, August 26th, John called the number on the FMIP Application, expecting a long wait on “hold” along with a series of pressing 1 for this option for 2 for that option but he was surprised when a woman answered the phone directly after the second ring. He explained his situation, having lost employer sponsored health insurance, having been turned down for private health insurance and now the necessity for immediate treatment of Barbara’s catastrophic illness. To his surprise, the woman on the phone said… “Yes, it seems that you do qualify for FMIP.” John asked, “Is it really true that if you get my completed application by the end of August that we will have insurance coverage by Sept. 1.?” (Barbara’s treatment was scheduled to start on Sept. 7. If the application was not approved by August 30 they would not have health insurance until Oct. 1. Some of the most critical and expensive procedures could not be delayed, for obvious reasons.) The woman on the line said, “Yes, you should fax it to us now.” They went over the application line by line on the phone. Additional documentation had to include the insurance rejection letters along with diagnosis verification from Barbara’s doctor, among other things none of which was easy to collect on the tight time-line they had, but they did it. The woman also provided her personal line to speed up future communication and told John she would call him when she received his faxed application.

    The application and accompanying information was faxed the following day, August 27th but no call came from the woman from FMPI.

    On the morning of August 28 John called the personal line to reach the woman at FMIC. No one answered and he left a message. His call was returned within a half hour. John asked about the fax and she had not received it! This time she gave John her personal fax number, John faxed the application and documents again and this time she called to verify acceptance of the application. It was turned over to the underwriters for final approval with coverage to begin Sept. 1.

    About Sept. 1 the Oregon Health and Science University called the Chafins wanting to know how they would be paying for Barbra’s treatment. John gave them the FMIP information and the hospital financial officer verified they had the information on file and everything was a go for Barbara’s treatment to begin on Sept. 7.

    Sky, Do you have anything to add to this?? Berma

    Only how frustrated and disheartened and worried he was... of course because of the diagnosis, but also because he thought he would lose everything. I remember urging him to not accept what he had been told by the attorney and his agent; that you had to sometimes push back and find your own information, but I think he had kind of given up. He told me it was ok; they would live in a trailer by the river. It was after this conversation that I began to search for information on Obama's plan. That same night, I called him up and read the application to him. I didn't fax him a copy; I emailed it to him as a PDF. At this point in his life, he didn't know how to turn on a computer! He never did figure out how to print it. I think he got a copy from an office somewhere, but then there was some confusion because he only got the instructions booklet and not the application itself. Anyhow, there was a lot of drama and urgency and an overall sense of disbelief from him that this would actually work, but in the end it did and it was such a blessing. I remember, a month or so later, speaking to Barbara on the phone, listening to her tear up, as she told me how thankful she was that she at least didn't have to worry about leaving my dad with nothing. Obamacare rocks!

  • Report this Comment On July 28, 2013, at 1:48 AM, MadZack wrote:

    Thank you alamo0809 for sharing this story. There is so much misinformation being spread and conspiracy theories preached that the truth is lost in the noise.

    A little bit of knowledge can be such a dangerous thing.

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