Video: Allentown mother forced to choose between ObamaCare and feeding family

posted at 2:41 pm on October 11, 2013 by Ed Morrissey

While the focus on the ObamaCare rollout has mainly been on its incompetent web design and operation, that’s far from the only problem — or even the most important.  Pennsylvania’s WFMZ profiles a family that saw its monthly premiums skyrocket for 2014, forcing them to choose between getting the mandated health insurance or feeding their family (via Daniel Halper at TWS):

“I feel it’s important for people to understand that the premiums aren’t affordable,” says Jennifer Most, a mother, who “told the crowd she went to the government website with all intentions of signing up … Jennifer and her husband are disabled, on a fixed income, and their five year old has a few medical problems as well,” the reporter explains.

The woman says, “My premium for health insurance was $947.63.”

“That is a over 765 dollars more than she currently pays,” says the reporter.

“It would take food out of our mouths to be able to afford these coverages,” the mother explains.

Don’t forget the little bait-and-switch pulled by HHS last month, when they finally rolled out the prices on the exchanges.  They claimed that the premiums came in “lower than expected,” but Forbes’ Avik Roy dismantled the dishonesty behind that claim:

“Premiums nationwide will also be around 16 percent lower than originally expected,” HHS cheerfully announces in its press release. But that’s a ruse. HHS compared what the Congressional Budget Office projected rates might look like—in 2016—to its own findings. Neither of those numbers tells you the stat that really matters: how much rates will go up next year, under Obamacare, relative to this year, prior to the law taking effect. …

Based on a Manhattan Institute analysis of the HHS numbers, Obamacare will increase underlying insurance rates for younger men by an average of 97 to 99 percent, and for younger women by an average of 55 to 62 percent. Worst off is North Carolina, which will see individual-market rates triple for women, and quadruple for men.

The collapse of the ObamaCare exchanges is just the start of HHS problems in ObamaCare.  When the websites actually begin to work, a lot of people will be shocked at the skyrocketing costs and out-of-pocket expenses for health insurance in the new paradigm of the ACA. And that will have a huge impact on politics next year as more and more families have to make choices between paying premiums, fines, or grocery bills.


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If Obamacare falls, it will be the fault of the Democrats. They didn’t have to include all the insane mandates that drive up the price of insurance. They could have had allowed the insurance to have a maximal benefit instead of using death panels. They could have realized that the market is actually pretty smart. They could have hired an insurance company to do their website.
The idea of allowing uninsured lower middle class access to health care without drastic cuts in their standard of living was a great idea, but the Democrats couldn’t bring themselves to offer those people health insurance vouchers because that would be too capitalist.

thuja on October 11, 2013 at 4:32 PM

Three people with chronic health problems getting insurance for $200 a month? I call BS. There is clearly a lot more to this story. Likely she was on one of those fraud-based plans that cap benefits at less than the cost of a broken leg and don’t cover any of the pre-existing conditions get family suffers from. Or she’s simply not telling the truth.

urban elitist on October 11, 2013 at 4:42 PM

There is not enough disposable monies in the rest of the world’s GDP to buy the debt that would be required for “Single Payer” health care in the US.

Well, maybe for the first year /s

can_con on October 11, 2013 at 4:42 PM

Worst off is North Carolina, which will see individual-market rates triple for women, and quadruple for men.

Time to move. Good thing I have a “Move to Texas” contingency.

nobar on October 11, 2013 at 4:55 PM

A simple to understand plea for the LIVerals that wander through here…

VOW TO NEVER VOTE AGAIN!!

1andyman on October 11, 2013 at 4:58 PM

Or she’s simply not telling the truth.

urban elshitist on October 11, 2013 at 4:42 PM

.
So judgmental! What a know-it-all! Why don’t you just go find her and get the facts for yourself, rather than judging from a mountain of ignorance that you stand upon?
.
Crap weasel!

ExpressoBold on October 11, 2013 at 5:10 PM

Can’t wait until my fat slob diabetic Obama worshipping sister (who hilariously plans to move to red state Indiana because NY has gotten too expensive) sees how her rates are going to sky rocket. She is just so damn sure that ACA is going to be her salvation. I honestly think she thinks it’s all going to be “free.” Eat it, sis!
And put down that cake!

teacherman on October 11, 2013 at 5:10 PM

Time to move. Good thing I have a “Move to Texas” contingency.

nobar on October 11, 2013 at 4:55 PM


Best thing is to pester everybody and anybody that can influence opinion on this incompetent mess; thousands of voters making a stink day after day is going bother a whole lotta folks. They may change their tune once they see the gravy train for them is about to eave the station with them not on it.

ExpressoBold on October 11, 2013 at 5:13 PM

In the midst of major changes in health care, United HealthCare has sent thousands of pink slips to Connecticut doctors.

But, if you like your doctor, you can keep him or something.

Resist We Much on October 11, 2013 at 5:18 PM

We need a law like this:

If you voted for Obama you have to take Obamacare.
If you voted for Romney you get to keep your current health plan.

Justice would be served.

goflyers on October 11, 2013 at 5:20 PM

My prediction is that MORE people will become UNINSURED as a RESULT OF OBAMACARE. lol

fatlibertarianinokc on October 11, 2013 at 5:21 PM

Three people with chronic health problems getting insurance for $200 a month? I call BS. There is clearly a lot more to this story. Likely she was on one of those fraud-based plans that cap benefits at less than the cost of a broken leg and don’t cover any of the pre-existing conditions get family suffers from. Or she’s simply not telling the truth.

urban elitist on October 11, 2013 at 4:42 PM

We have ten children ages 24 down to 4. The youngest four were all adopted, and they all have Down syndrome. Due to their disability and accompanying health conditions, we utilize a LOT of health care every year. But even so, our monthly premiums through my husband’s employer are only $175/mo.

Just for grins I typed our income & family info into the Kaiser Foundation’s premium estimator and about choked when it spit out a monthly premium of $1812/mo, which is more than 10 times what we currently pay. If hubby’s employer decides our “Cadillac” plan will be too expensive to keep, or if the Feds decide our plan is too unequal/unfair for us to keep, we’ll either be bankrupt or paying fines out the nose for non-compliance of the individual mandate.

mom29js on October 11, 2013 at 5:23 PM

For this to mean anything, we must have the specifics.
Afaik, ACA premiums are limited to 9.5% of income. Does this family make over $100,000 a year?
They are both disabled. Wouldn’t they be eligible for Medicare?
If they make less than around $90,000 a year, or whatever the limit is, wouldn’t they be getting a subsidy of some sort now? If they make less than $50,000 probably 75% of their premium would be subsidized.

I have no doubt their premiums skyrocketed. My company insurance just went up 40%, ” in order to compete with the exchanges” my insurance letter says.

Allahs vulva on October 11, 2013 at 5:24 PM

Three people with chronic health problems getting insurance for $200 a month? I call BS. There is clearly a lot more to this story. Likely she was on one of those fraud-based plans that cap benefits at less than the cost of a broken leg and don’t cover any of the pre-existing conditions get family suffers from. Or she’s simply not telling the truth.

urban elitist on October 11, 2013 at 4:42 PM

If you don’t live in PA then you aren’t qualified to call question her. Do you know what state-subsidized coverages exist in PA? Did you know there was PAFairCare? Oh wait, ACA killed it.

Funny, you still love the guy that has been proven to lie to us over and over again about “his” health plan. But you want to question the credibility of the type of person you claim to care about. You are a fraud.

goflyers on October 11, 2013 at 5:28 PM

Three people with chronic health problems getting insurance for $200 a month? I call BS. There is clearly a lot more to this story. Likely she was on one of those fraud-based plans that cap benefits at less than the cost of a broken leg and don’t cover any of the pre-existing conditions get family suffers from. Or she’s simply not telling the truth.
 
urban elitist on October 11, 2013 at 4:42 PM

 
Eppur si muove

rogerb on October 11, 2013 at 5:43 PM

Single payer will fix all of this. Just wait and see. Everyone will have health insurance. health care well not so much.

bgibbs1000 on October 11, 2013 at 6:20 PM

Food or healthcare???…….proceeding as the Progressives planned.

Destroy the middle class plain and simple.

PappyD61 on October 11, 2013 at 6:35 PM

mom29js on October 11, 2013 at 5:23 PM

Good on you!

But you don’t understand the type of liberals you are telling your story to.

WryTrvllr on October 11, 2013 at 6:37 PM

Can’t wait until my fat slob diabetic Obama worshipping sister (who hilariously plans to move to red state Indiana because NY has gotten too expensive) sees how her rates are going to sky rocket.

teacherman on October 11, 2013 at 5:10 PM

Tell your sister to do her new home, and the nation as a whole, a big favor and not take her NY voting habits with her when she moves.

djm1992 on October 11, 2013 at 7:04 PM

BTW, urban elitist:
 

“So that’s why the individual mandate’s important,” Obama explained in a speech on Aug. 15, 2011.
 
“Because the basic theory is, look, everybody here at some point or another is going to need medical care, and you can’t be a free-rider on everybody else,” said Obama. “You can’t not have health insurance, then go to the emergency room, and each of us, who’ve done the responsible thing and have health insurance, suddenly we now have to pay the premiums for you. That’s not fair. So, if you can afford it, you should get health insurance just like you get car insurance.”
 
http://abcnews.go.com/m/blogEntry?id=14952502&sid=77&cid=77

 
Knowing that the tax/fine on a person making $43K who doesn’t want or can’t afford insurance will only equal about $860 (vs. thousands in premiums and deductibles):
 
$860 will barely cover any actual medical procedure, and hospitals will still be required by law to provide care regardless of insurance coverage or ability to pay.
 
Tell use exactly how Obamacare does anything to change the free rider problem.
 
Give us specifics, please.

rogerb on October 11, 2013 at 7:13 PM

Give us specifics, please.

rogerb on October 11, 2013 at 7:13 PM

…there is not a big enough sun dial!

KOOLAID2 on October 11, 2013 at 7:25 PM

urban elitist on October 11, 2013 at 4:42 PM

Gosh, according to Obama, these are the people who, before Obamacare, wouldn’t have been able to get healthcare because of pre-existing conditions.

Cindy Munford on October 11, 2013 at 7:45 PM

Please help me out here, because I have to call shenanigans if my understanding is anywhere near correct.

If they are a family of three earning $78,000 per year, between 4 and 5 times the per capita income in Allentown, they are in the worse case scenario: They are above 400% of the FPL (federal poverty line) for a family that size, and so must pay the full freight, which is a painful 14.6% of their income.

But if they are under about $78,000, O-care subsidizes them so that their premiums are not more than 9.5% of their income (for those right at 400%, lower for those with lower income).

If I understand correctly, it doesn’t matter what level of coverage they buy, their cost for premiums is still capped at 9.5% or less depending on their income under 400% of the FPL. What this means is that in areas where the costs are fairly high, anyone well under 400% will likely make the rational choice to buy the insurance with the highest total cost, since their share is limited.

raybury on October 11, 2013 at 7:45 PM

mom29js on October 11, 2013 at 5:23 PM

Aren’t people with “Cadillac” policies subject to extra taxation? Hopefully the size of you family will keep that from happening to you.

Cindy Munford on October 11, 2013 at 7:47 PM

djm1992 @ 7:04 PM

I don’t think we have to worry. Like most libs she’s borrowed so much on her house she’ll never get the price she needs to move. Oh, well, sucks to be her.

teacherman on October 11, 2013 at 8:19 PM

mom29js on October 11, 2013 at 5:23 PM

Aren’t people with “Cadillac” policies subject to extra taxation? Hopefully the size of you family will keep that from happening to you.

Cindy Munford on October 11, 2013 at 7:47 PM

“Lalalalalalalalalalalalalalalalalala …. I can’t HEAR you!”

mom29js on October 11, 2013 at 9:09 PM

mom29js on October 11, 2013 at 5:23 PM

Aren’t people with “Cadillac” policies subject to extra taxation? Hopefully the size of you family will keep that from happening to you.

Cindy Munford on October 11, 2013 at 7:47 PM

As I understand it, the democratics screwed up when writing Obamacare in determining what a ‘Cadillac’ policy is, so a high number of dependents on the policy blows up the cost, and it ends up designated as a Cadillac even though the features are not Cadillac.

The only solution for some is going to be kicking spouses and/or kids off the work policy and buying separate policies for them.

There was a HA thread on this a couple weeks ago.

slickwillie2001 on October 11, 2013 at 9:17 PM

I have a strong suspicion she and her husband voted for the Obumbler..I’m so happy they are getting F’d in the backside!!! ROTFLMMFBO!! I LOVE IT!!! F-Them!! You got what you voted for, Stupid!!

Tbone McGraw on October 11, 2013 at 9:41 PM

And all ypu Kamikazes can be proud that you helped make single payer possible by turning the House over to Nancy Pelosi next fall because you went on a Quixotic suicide charge over defunding O-care. At least I have the capital to go to Costa Rica when they put me at the end of queue. As far as I am concerned the Kamikazes are effectively a Democratic Party false flag operation.

jerryofva on October 11, 2013 at 9:52 PM

jerryofva on October 11, 2013 at 9:52 PM

Tokyo Rose called. She said you suck at this.

CurtZHP on October 11, 2013 at 10:02 PM

I met Tokyo Rose when she worked at import store near Devon and Broadway on the far Northside of Chicago.

Now for some real substance. All the polls show the Republicans taking it in the shorts over this shutdown. The Democrats not so much and of three Zero is fairing the best. You can argue with numbers but the truth is the outcome of this confrontation has never been in doubt. Too bad, because the O-care crash and burn would have been the big story without the shutdown. You can hope that Obama will get victory disease and do something so stupid that even the MSM can’t ignore it but that is a weak reed to lean on.

The Kamikaze brigade is the mirror image of the DU/Daily Kos crowd. Emotionally driven without the slightest ability to think things through to a conclusion.

You know what they say “Amateurs talk tactics, professionals talk logistics.” This is what happens when the amateurs are in charge.

jerryofva on October 11, 2013 at 10:49 PM

jerryofva on October 11, 2013 at 9:52 PM

Tokyo Rose called. She said you suck at this.

CurtZHP on October 11, 2013 at 10:02 PM

Congrats on understanding that. I’m not as fluent in “incoherent”.

kim roy on October 11, 2013 at 11:02 PM

Congrats on understanding that. I’m not as fluent in “incoherent”.

kim roy on October 11, 2013 at 11:02 PM

He apparently thinks, like so many others, that he’s the only one to whom this stuff occurs; that everyone else is just sheeple.

Polls are used to drive public opinion more than they are used to gauge it. The fact that these polls came out when they did is just another attempt by his majesty’s court heralds to bail him out.

People are still going to have sucky 0-care experiences long after the “shutdown” is forgotten. It’s not as if bringing the government back up to full throttle is suddenly going to fix that boondoggle.

CurtZHP on October 11, 2013 at 11:21 PM

It will be a very cold day in a very hot place before MY name gets put into their website!!!

There are many goals for the PPACA. They do not include patient protection or affordable care. Quite the opposite.

One of the purposes is to obtain large amounts of personal information for use in the future. Another purpose is to make care so unaffordable that the system collapses on itself. That is not a side effect of incompetence, but is a desired outcome. You know what the “Fix” is that will be offered as the only way out? Yes, you do!

Now, we see that our only hope against this scheme is in the process of packing up it’s spine and heading to Alberqueque. Makes sense, as this Power Grab will do more damage to the whole country than Walter White did to his family.

The question is whether we will be able to punish the Permanent Leadership. These dadgum yellow-bellies are more in need of anti-anxiety meds than anyone I have ever seen. (Perhaps some Testosterone might help too!)

Medbob on October 11, 2013 at 11:39 PM

The Kamikaze brigade is the mirror image of the DU/Daily Kos crowd. Emotionally driven without the slightest ability to think things through to a conclusion.

Heard this from at least two other trolls.

What does OFA pay?

Murphy9 on October 11, 2013 at 11:40 PM

You Kamikazes are poster children for mirror imaging the DU/Daily Kos brigades. If someone disagrees with you they must be a troll for the other side. It’s all about the party line.

So Kurt: You admit that the sucky O-care experience is going to drive people to vote Republican. I agree, so tell my why went through the shutdown games to get to the same point. This entire episode could have been a big win for the Republicans but instead you guys went after mission impossible.

jerryofva on October 12, 2013 at 12:02 AM

See Jerry, the problem is this:

If your old enough to remember Tokyo Rose, your old enough to remember that when the R’s controlled everything, they didn’t do a damn thing to control the runaway debt. Hell they expanded medicare.

Well now we are at 17 TRILLION, Jerry. This is an existential threat to America, Jerry.

I think MANY here have given up on the R’s. It’s beyond that.

WryTrvllr on October 12, 2013 at 12:07 AM

This entire episode could have been a big win for the Republicans but instead you guys went after mission impossible.

How so? The republicans have let the democrats drag this country into the fking debt gutter for five years, not passing any budget.

Murphy9 on October 12, 2013 at 12:25 AM

“It also implicitly punishes people who makes responsible, healthy choices like me who make healthy choices like not smoking or over eating

I think that’s my favorite line of all. What did you expect when you make no distinction between those with “pre-existing conditions” and those without them? This law is designed to pit healthy people against unhealthy people by forcing the healthy ones to pay for the unhealthy ones. Did anyone expect this law to be fair and reward healthy choices?? In fact, it does the exact opposite, there is no penalty for making unhealthy choices. An unhealthy person is considered a victim because his/her liver is failing even if it got that way from 20 years of alcohol addiction. A 300 pound woman with diabetes is a victim even if her health problems are caused by her unhealthy eating habits. Instead they just call it a pre-existing condition as if she had no control over the condition of her health. And why not? polls show that most Americans don’t think it’s fair to discriminate against those with “pre-existing conditions.” They think it great to treat everyone the same regardless of their behavior.

Dollayo on October 12, 2013 at 1:18 AM

People are still going to have sucky 0-care experiences long after the “shutdown” is forgotten. It’s not as if bringing the government back up to full throttle is suddenly going to fix that boondoggle.

CurtZHP on October 11, 2013 at 11:21 PM

Exactly, exactly, 100 times over. 13 months away – an eternity in politics.
Even Nate Silver agrees. :)

But Obamacare is going to be presenting its oh-so-lovely face to voters every day between now and then.

Missy on October 12, 2013 at 5:56 AM

mom29js on October 11, 2013 at 9:09 PM

Thanks for my early morning laugh!!!

slickwillie2001 on October 11, 2013 at 9:17 PM

Darlin, they have made such a convoluted mess of this, I’m lucky if I understand half of what I read about it. But then, I think that was the goal all along.

Cindy Munford on October 12, 2013 at 9:09 AM

I’m confused. Before Obamacare, we the insured covered the emergency room visits of the poor/the illegal immigrants, the homeless, etc through our premiums and the hospital charity programs.

Why is it costing so much more to cover the same thing via insurance?

katiejane on October 12, 2013 at 9:45 AM

You see wry, I had a similar discussion to this about Republicans and gun rights last spring. So many of you were convinced that there was no difference between the two parties and that Boehner and McConnell would go along with Fienstein’s gun grab. But at it turned out Boehner and McConnell killed the gun grab.

Let examine your statement of about the Republicans and the debt. For the last five years they have controlled one third of the players. For the first two years they controlled zero. When they were in the majority the debt expanded because we fought a war. It always goes up in wartime. The worst years of debt accumulation occurred right after 9-11 when the economy tanked. It wasn’t just spending Spending accelerated when they lost control of Congress in 2006, thanks in no part to people like you who said is there is no difference so you sat home. You didn’t like Romney because he was no different than Obama so you stayed home and elected Obama. There is big difference between the two parties and only the Kamikaze brigade thinks otherwise.

jerryofva on October 12, 2013 at 10:35 AM

This entire episode could have been a big win for the Republicans but instead you guys went after mission impossible.

How so? The republicans have let the democrats drag this country into the fking debt gutter for five years, not passing any budget.

Answer the fking question.

Murphy9 on October 12, 2013 at 12:13 PM

Three people with chronic health problems getting insurance for $200 a month? I call BS. There is clearly a lot more to this story. Likely she was on one of those fraud-based plans that cap benefits at less than the cost of a broken leg and don’t cover any of the pre-existing conditions get family suffers from. Or she’s simply not telling the truth.

urban elitist on October 11, 2013 at 4:42 PM

Ostrich effect: ignoring an obvious (negative) situation

Anti-Control on October 12, 2013 at 3:57 PM

You see wry, I had a similar discussion to this about Republicans and gun rights last spring. So many of you were convinced that there was no difference between the two parties and that Boehner and McConnell would go along with Fienstein’s gun grab. But at it turned out Boehner and McConnell killed the gun grab.

Let examine your statement of about the Republicans and the debt. For the last five years they have controlled one third of the players. For the first two years they controlled zero. When they were in the majority the debt expanded because we fought a war. It always goes up in wartime. The worst years of debt accumulation occurred right after 9-11 when the economy tanked. It wasn’t just spending Spending accelerated when they lost control of Congress in 2006, thanks in no part to people like you who said is there is no difference so you sat home. You didn’t like Romney because he was no different than Obama so you stayed home and elected Obama. There is big difference between the two parties and only the Kamikaze brigade thinks otherwise.

jerryofva on October 12, 2013 at 10:35 AM

Well Jerry, in full disclosure, I voted for Romney and donated a lot of money to him to. On election day, I firmly believe in voting for the lesser of 2 evils.

But Romney lost. Sort of like McCain lost. A lot of his “base” stayed home. That would be the base that the establishment always takes for granted. They have become disenchanted with Republicans. Lots of reasons, I guess.

Harriet Meiers (she owns a gun, you know). John Roberts. David Souter. Have you noticed how easy it is for Liberals to masquerade as Republicans Jerry? Why is that? The Americans with Disabilities Act. Expansion of Medicare 2003 (is that a wartime expense?). The Patriot Act (now in the hands of Holder and O’bozo)

While Bush 2 enjoyed majorities in the house and senate, how many federal programs did they end Jerry?

You paint with a broad brush there Jerry. I didn’t stay home and elect O’bozo. The Rhino’s did.

WryTrvllr on October 12, 2013 at 8:44 PM

A simple to understand plea for the LIVerals that wander through here…

VOW TO NEVER VOTE AGAIN!!

1andyman on October 11, 2013 at 4:58 PM

Permanently indoctrinated Socialist voters are not “low information.” Get it right.

Myron Falwell on October 13, 2013 at 4:23 PM

Wow, who could have seen this coming?

Chris of Rights on October 14, 2013 at 9:39 AM

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