Coming in January to ObamaCare: Rate shock, part two

posted at 2:11 pm on November 12, 2013 by Allahpundit

A shrewd analysis by Pro Publica’s Charles Ornstein, who also wrote the feature last week about the Obama-loving couple in San Francisco who are now paying more across the board for their new insurance. His point is simple: The “rate shock” that people are experiencing right now is almost entirely a reaction to the new premiums on the exchanges, but premiums are only one component of what insurance costs. Deductibles and co-pays, the other components, are being overlooked right now by some consumers — as are provider networks, of course, as I’ve noted several times. Consumers who aren’t paying attention to those things are in for a rude awakening in January, when their coverage finally takes effect and they visit the doctor for the first time. What happens to support for O-Care when some people find out that their out-of-pocket costs are higher too — and, unlike their premiums, that cost won’t be subsidized under their new, allegedly more “comprehensive” plan?

Consider a family of four making $59,000 a year. They will have to pay $400 a month toward their insurance premium, after receiving a subsidy, said industry consultant Robert Laszewski.

“But then, they will get a plan with a $2,000 deductible and hefty co-pays,” he wrote in an email. “The Democrats that say everything is going to be OK really need to go on one of the open exchanges and take a hard look at what consumers will see.”…

“The website difficulties have meant that in much of the country people have yet to really see what the cost-sharing will look like in these plans, and they may be surprised for find out that the deductibles and co-pays in bronze and silver plans are higher than what one would find in typical employer-provided health benefits,” Larry Levitt, senior vice president of the Kaiser Family Foundation, said in an email.

“I think it remains to be seen whether people see these plans as offering them good protection against catastrophic health expenses — which they do — or are disappointed that they won’t generally provide much coverage for occasional visits to the doctor or prescriptions,” Levitt added.

Subsidies are available to defray out-of-pocket costs but the income threshold to qualify is lower than for subsidies aimed at premiums — below $60,000 for a family of four for the former versus $94,000 for the latter. Anyone whose income falls in between — i.e. a nice chunk of the middle class — is on the hook for deductibles and co-pays with no help for Uncle Sam. And those who do qualify may not find the money there when they need it because of the sequester. Looming question on January 1: What good is having “comprehensive” benefits if you need to pay much more than you used to in order to use them?

The “good” news, such as it is, is that the backbone of the ObamaCare scheme is “young healthies” who won’t be visiting the doctor much in the first place. Bill Clinton, in fact, mentioned his conversation with one of them in the clip that’s making the rounds online today. The healthy youngster he spoke with has low out-of-pocket costs under his new plan but much higher premiums than he used to; it’s basically the opposite of catastrophic coverage, which is what people in that demographic usually seek out to keep costs low. But it stands to reason that O-Care would nudge someone like him into a plan that’s ass-backwards: Insurers need guaranteed revenue from healthies to offset their costs from covering the sick so naturally they insist on higher premiums, even if in some cases they kinda sorta make up for it with lower out-of-pocket. Emphasis on “in some cases.” The San Francisco couple that Ornstein wrote about last week led a healthy lifestyle and ended up paying more in premiums and out-of-pocket after they were booted from their old plan. Matthew Fleischer, another “young healthy” whose LA Times op-ed a few weeks ago got a lot of attention, is also seeing both his premiums and his out-of-pocket costs increase. One of the virtues of O-Care in theory was that it would leave people less afraid to visit the doctor when they’re sick for fear of the expense. If higher premiums don’t mean lower deductibles, what happens to that theory?

Here’s Democrat Kurt Schrader feeling grossly misled by Obama about all this or something. You’ll be pleased to know that Fred Upton’s “Keep Your Plan Act” gained its first Democratic co-sponsor this morning.


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This is all so shocking……………………!

d1carter on November 12, 2013 at 2:14 PM

“Unexpectedly”

Wino on November 12, 2013 at 2:17 PM

If you like your plan you can keep it.

If you like your doctor you can keep them.

KMC1 on November 12, 2013 at 2:17 PM

How unexpected!

bazil9 on November 12, 2013 at 2:18 PM

Consider a family of four making $59,000 a year. They will have to pay $400 a month toward their insurance premium, after receiving a subsidy, said industry consultant Robert Laszewski.

“But then, they will get a plan with a $2,000 deductible and hefty co-pays,”

Well then it is a good thing they save over $2500 under Obamacare!

Happy Nomad on November 12, 2013 at 2:19 PM

This from Oregonlive.com about Schrader:

The Democratic congressman, appearing on KGW TV’s “Straight Talk” this weekend, criticized the president for saying that Americans could keep their health insurance plans under the new health care law if they wanted.

“I think the president was grossly misleading to the American public,” said Schrader, explaining that he himself knew that policies for individuals and small businesses change frequently.

That led the National Republican Congressional Committee on Tuesday to charge that Schrader had used the same incorrect claims on his own website after the law was passed in 2010.

In a statement, Alleigh Marre, an NRCC spokeswoman, accused Schrader of “blatantly misleading voters in the face of changing political winds and the plan’s botched rollout.”

According to the GOP committee, Schrader once had a section on his website discussing the new law after it was passed in 2010 that included this language:

“If you are insured and happy with your coverage, nothing changes.”

That description of the Patient Protection and Affordable Care Act — often called Obamacare — is no longer on Schrader’s website. The congressman’s spokesman, Cody Tucker, said he couldn’t discuss the issue until he talked with Schrader, who he said was on a plane for the next several hours.

kcewa on November 12, 2013 at 2:19 PM

If you like your plan you can keep it.

If you like your doctor you can keep them.

KMC1 on November 12, 2013 at 2:17 PM

PERIOD!

Happy Nomad on November 12, 2013 at 2:20 PM

This is all so shocking……………………!

d1carter on November 12, 2013 at 2:14 PM

I mean you must have had to have been Nostradamus to predict this.
/s

Defenestratus on November 12, 2013 at 2:20 PM

Thanksgiving’s going to be fun this year. I’ll get to visit with my uber liberal sister that lives in NOVA and loves her some Obama. Its going so well for her I’m wondering if she’ll show her face in Texas again.

DanMan on November 12, 2013 at 2:20 PM

The congressman’s spokesman, Cody Tucker, said he couldn’t discuss the issue until he talked with Schrader, who he said was on a plane for the next several hours.

He’s from Oregon, shouldn’t he be flying on his own wings?

Happy Nomad on November 12, 2013 at 2:21 PM

The Press is to blame for allowing the Democrats to mislead themselves and the country.

PleaseFlyOver on November 12, 2013 at 2:21 PM

Drip, Drip, Drip….

…soon turns into a waterfall and flood of bad news re Obamacare.

If higher premiums don’t mean lower deductibles, what happens to that theory?

That ‘theory’ was as cogent and valid as ‘if you like your insurance, you can keep your insurance’.

So, how is that hopey changey thingey working out for you now?

Athos on November 12, 2013 at 2:22 PM

And hopefully a

Therefore, I shall resign the Presidency effective at noon tomorrow. Part II

Flange on November 12, 2013 at 2:23 PM

If you like your felon navigator, you can keep your felon navigator.

When are we going to get a post for Project Veritas’s latest expose?

Murphy9 on November 12, 2013 at 2:24 PM

I mean you must have had to have been Nostradamus to predict this.
/s

Defenestratus on November 12, 2013 at 2:20 PM

I’m sure that even the Long Island medium could have picked up on this one without her usually vague fishing expedition……

Does somebody here have insurance premiums, deductibles, and co-pays going up in January?

Has anybody had their insurance policy canceled recently?

Who is upset about healthcare?

Happy Nomad on November 12, 2013 at 2:24 PM

Imagine how much we’d all be paying next year if wasn’t for ObamaCare bending that cost curve down.

When you put it in that perspective, a 200-400% increase for 2014 seems a bargain after all.

~Typical Dem at upcoming townhalls

BobMbx on November 12, 2013 at 2:25 PM

I don’t want a ‘keep your plan’ act. I want this monsterous law repealed.

If the law is to work as intended (which is to say, redistribute wealth), then we will all eventually be held to the law, and pay for a great deal more ‘healthcare’ than we can acutally use. To push a ‘keep your plan’ scheme will only delay the pain.

LilyBart on November 12, 2013 at 2:26 PM

Imagine how much we’d all be paying next year if wasn’t for ObamaCare bending that cost curve down.

When you put it in that perspective, a 200-400% increase for 2014 seems a bargain after all.

~Typical Dem at upcoming townhalls

BobMbx on November 12, 2013 at 2:25 PM

It would be free if we had single payer.

kcewa on November 12, 2013 at 2:27 PM

I just think it’s funny watching the Dem’s try to explain things as it’s blowing up in their faces. Sort of like Wily Coyote in the Road Runner.

Tater Salad on November 12, 2013 at 2:28 PM

Not only did they say if you like your health insurance and your doctor you can keep it, Obama also said everyone’s insurance was going to go down by $2400. I can’t wait to hear how he lies his way out of this trifecta.

STL_Vet on November 12, 2013 at 2:28 PM

It would be free if we had single payer.

kcewa on November 12, 2013 at 2:27 PM

Free to who?

Tater Salad on November 12, 2013 at 2:28 PM

Coming in January to ObamaCare: Rate shock, part two

AP, aren’t you putting the cart before the horse? Shouldn’t you stay focused on the next shoe to drop in the Obamacare Saga, the national discovery of the “If you like your doctor, you can keep …” promise lie?

What’s that word, schadenfreudian slip or something?

And oh yes, please pass the popcorn.

parke on November 12, 2013 at 2:29 PM

Not only did they say if you like your health insurance and your doctor you can keep it, Obama also said everyone’s insurance was going to go down by $2400. I can’t wait to hear how he lies his way out of this trifecta.

STL_Vet on November 12, 2013 at 2:28 PM

We were also promised repeatedly that it wouldn’t add a single dime to the deficit. Turns out it is adding boatloads of dimes.

Happy Nomad on November 12, 2013 at 2:29 PM

Thanksgiving’s going to be fun this year. I’ll get to visit with my uber liberal sister that lives in NOVA and loves her some Obama. Its going so well for her I’m wondering if she’ll show her face in Texas again.

DanMan on November 12, 2013 at 2:20 PM

Bring her one of these as a gift.

BobMbx on November 12, 2013 at 2:30 PM

…….and just think we haven’t gotten to the Death Panels yet.

Tater Salad on November 12, 2013 at 2:32 PM

This clown’s armageddon is coming. Just wait until people start dying because of these loons. Just wait. They haven’t seen an enraged electorate…. YET. It’s coming to a family near you!

HomeoftheBrave on November 12, 2013 at 2:32 PM

The “good” news, such as it is, is that the backbone of the ObamaCare scheme is “young healthies” who won’t be visiting the doctor much in the first place.

If the young and healthy are uninsured and do not qualify for Medicaid then the vast majority of them are going to pay the 1% of their income as tax (fine) and thus save a lot of money as opposite to buy the much more expensive healthcare insurance…

If the young and healthy are currently insured on the exchange markets and still do not qualify for Medicaid then they are going to pay much higher premiums even if they qualify for subsidies but most of them will not qualify for a lot subsidies as most of them are single people … For those who are married with young children they are going to visit their doctors more often because the children need care and hence they have to pay much higher co-pays and deductibles…

The only winners in Obamacare are those who qualified for the Medicaid expansion i.e. the slightly above poor (133% of poverty line)…

mnjg on November 12, 2013 at 2:33 PM

I took a peek at Kos where they are sharing stories on how ACA has reduced premiums. What they dont seem to understand is that the premiums have not gone down but up. The government (iow, the taxpayer) giving you a subsidy so that you pay less is not premiums going down. It’s just another form of welfare.

Blake on November 12, 2013 at 2:35 PM

Pretty soon the joke will be: We thought things were bad when we couldn’t get on the ObamaCare Web site; now things are much worse because we can get on!

PackerBronco on November 12, 2013 at 2:36 PM

He’s from Oregon, shouldn’t he be flying on his own wings?

Happy Nomad on November 12, 2013 at 2:21 PM

They come in your welcome packet from Cover Oregon. But he, like every other Oregonian, has not successfully enrolled yet.

blammm on November 12, 2013 at 2:36 PM

I don’t want a ‘keep your plan’ act. I want this monsterous law repealed.

If the law is to work as intended (which is to say, redistribute wealth), then we will all eventually be held to the law, and pay for a great deal more ‘healthcare’ than we can acutally use. To push a ‘keep your plan’ scheme will only delay the pain.

LilyBart on November 12, 2013 at 2:26 PM

Step by step…

mnjg on November 12, 2013 at 2:37 PM

And with higher out of pocket costs comes the fact that people will actually seek LESS care.

/winning

LtGenRob on November 12, 2013 at 2:38 PM

Who has the Republican Party recruited to run against Rep. Schrader (D) in Oregon’s 5th Congressional District?

Republicans can’t win elections if they don’t have candidates who are ready to run.

And we need candidates who can speak out forcefully against Obamacare NOW!

Clean the House and the Senate in 2014!

wren on November 12, 2013 at 2:38 PM

“The only winners in Obamacare are those who qualified for the Medicaid expansion i.e. the slightly above poor (133% of poverty line)…”

Already lifetime Obama voters. I’ve got to wonder hth Republicans will screw this up.

ORconservative on November 12, 2013 at 2:38 PM

What’s the over/under on the next White House speech extolling the wonders of Obamacare? Before the website isn’t ready by month’s end? After this week’s dismal enrollment numbers are released for real? It’s only a matter of time before the lazy stupid coward will feel compelled to lecture us again about how selfish we are for not supporting whatever the hell he demands from us.

Happy Nomad on November 12, 2013 at 2:40 PM

If you like your health care plan, you can keep it.

I’m tempted to post this as my fb status w/ no / tags or qualifiers, to see the kind of feedback it gets.

22044 on November 12, 2013 at 2:40 PM

I took a peek at Kos where they are sharing stories on how ACA has reduced premiums. What they dont seem to understand is that the premiums have not gone down but up. The government (iow, the taxpayer) giving you a subsidy so that you pay less is not premiums going down. It’s just another form of welfare.

Blake on November 12, 2013 at 2:35 PM

Only a tiny percentage of people who are currently insured on the exchange are going to see their premium go down and that is with the full amount of subsidies, i.e. other tax payers money, is given to them… But yet these people are going to still pay much higher deductibles and doctor co-pays visits… Also these people who qualified for the maximum subsidies usually are married with small children and they will be visiting the doctors a lot because the children care and hence they will see the shock of co-pays increase and deductible increase…

mnjg on November 12, 2013 at 2:40 PM

“The only winners in Obamacare are those who qualified for the Medicaid expansion i.e. the slightly above poor (133% of poverty line)…”

Already lifetime Obama voters. I’ve got to wonder hth Republicans will screw this up.

ORconservative on November 12, 2013 at 2:38 PM

The super vast majority people have voted democrats all their lives so getting on the Medicaid expansion for these people is neither a gain for the democrats nor a loss for the Republicans…

mnjg on November 12, 2013 at 2:42 PM

Many of my comments of recent have indicated exactly the same as Robert Laszewski is now spewing.

Maybe he reads HA.

Hey, Robert, here’s the next talking point for you:
Now that almost everyone will have a high deductible, the doctors and hospitals will want that deductible paid in advance of services performed. They aren’t interested in getting stiffed by those that expect Obamacare to truly be free.

Carnac on November 12, 2013 at 2:47 PM

They come in your welcome packet from Cover Oregon. But he, like every other Oregonian, has not successfully enrolled yet.

blammm on November 12, 2013 at 2:36 PM

Well that explains it. ;0

Happy Nomad on November 12, 2013 at 2:48 PM

Oh goody, a sequel. Obamacare the gift that keeps on giving.

neyney on November 12, 2013 at 2:48 PM

It would be free if we had single payer.

kcewa on November 12, 2013 at 2:27 PM

How can something called :”single payer” be free? The word payer is in the title.

Rio Linda Refugee on November 12, 2013 at 2:49 PM

Consumers who aren’t paying attention to those things are in for a rude awakening in January, when their coverage finally takes effect and they visit the doctor for the first time.

- Allahpundit

Assuming they are one of the lucky ones who get to keep their doctor.

gwelf on November 12, 2013 at 2:50 PM

And with higher out of pocket costs comes the fact that people will actually seek LESS care.

LtGenRob on November 12, 2013 at 2:38 PM

If you can find a doctor. IMO, most folks will be lucky if Obamacare provides a german shepherd trained to sniff you and bark if, in its professional opinion, a second opinion is required.

Happy Nomad on November 12, 2013 at 2:51 PM

But yet these people are going to still pay much higher deductibles and doctor co-pays visits…

And the bronze plans (I think) only pay 60% of costs above the deductible. This is really low even compared to catastrophic plans pre-Oct 1.

Missy on November 12, 2013 at 2:52 PM

Happy Nomad on November 12, 2013 at 2:51 PM

hope its not one of those specially trained New Mexican dogs that demands trunk searches at the drop of a hat

DanMan on November 12, 2013 at 2:55 PM

Also these people who qualified for the maximum subsidies usually are married with small children and they will be visiting the doctors a lot because the children care and hence they will see the shock of co-pays increase and deductible increase…

My guess is the big fat copays will be only the start of the problem. Not only will the Obamacare exchange folks not be able to see the pediatrician/GP they want (the networks are very restricted), but that the doctors who will see them will be so overwhelmed with new patients the wait will be very, very long. Google to see some of the articles talking about how many doctors are refusing to participate in the Obamacare exchanges. I am willing to bet you see an increase in emergency room visits, as you will need to wait weeks to see a doctor in the Obamacare exchange. That won’t hit the LIVs in the face until their kid is sick and the doctor says he’ll see them in six weeks.

MaureenTheTemp on November 12, 2013 at 2:57 PM

It would be free if we had single payer.

kcewa on November 12, 2013 at 2:27 PM

“If you think healthcare is expensive now, just wait until it’s free.”

-PJ O’Rourke

iurockhead on November 12, 2013 at 2:59 PM

I hope Upton is feeling good, because it t’aint gonna matter.

As said earlier and now apparently by Jay Dork –

all it’s going to lead to is immediate subsidies.

Then, they’re going to split the pool into pieces.

One thing that nobody has taken into account is how much raw data is being collected.

Not in an IRS/NSA snooping matter. Just simple Facebookian giveups.

The one the govt never new, was who had insurance and who didn’t.

Now, through algorithmic deduction, they will.

And those are the people – mid-20′s and up – who become garnished to pay for their catastrophic.

It’s really not hard to see how all this breaks down. It’s just a matter of who ends up in charge next and what direction do they take it.

Give it to a Prog, and it’s one more notch for the surveillance state.

budfox on November 12, 2013 at 3:01 PM

High deductibles and copays = worthless insurance

docflash on November 12, 2013 at 3:01 PM

MaureenTheTemp on November 12, 2013 at 2:57 PM

Just wait until they start compelling doctors to take new Medicaid and exchange patients under threat of license revocation. Currently it is voluntary on the doctor’s end, but not for long. The wave of retirements is already coming; this will just make it bigger.

They have 3 targets to demonize:

1) Insurers
2) Doctors
3) Republicans

Failing that, or in addition to that, there’s rich people.

Round and round we go.

Missy on November 12, 2013 at 3:03 PM

It would be free if we had single payer.

kcewa on November 12, 2013 at 2:27 PM

How can something called :”single payer” be free? The word payer is in the title.

Rio Linda Refugee on November 12, 2013 at 2:49 PM

That was meant to be a Typical Dem response…

Imagine how much we’d all be paying next year if wasn’t for ObamaCare bending that cost curve down.

When you put it in that perspective, a 200-400% increase for 2014 seems a bargain after all.

~Typical Dem at upcoming townhalls

BobMbx on November 12, 2013 at 2:25 PM

It would be free if we had single payer.

kcewa on November 12, 2013 at 2:27 PM

kcewa on November 12, 2013 at 3:04 PM

Until the disaster hits, it is easy to go along with what seems easier.

That is the theme of big progressive government – sit back and let us (the smart elites) do the driving. Ignore those who point and yell that we’re heading for a cliff, because they obviously don’t care about what happens to youuuuuuuuuu…

Russ808 on November 12, 2013 at 3:06 PM

Consumers who aren’t paying attention to those things are in for a rude awakening in January, when their coverage finally takes effect and they visit the doctor for the first time.

- Allahpundit

Assuming they are one of the lucky ones who get to keep their doctor.

gwelf on November 12, 2013 at 2:50 PM

Assuming they can find a doctor who takes the insurance. And that they can get an appointment that soon.

kcewa on November 12, 2013 at 3:07 PM

Anyone whose income falls in between [$60-94k] — i.e. a nice chunk of the middle class — is on the hook for deductibles and co-pays with no help for Uncle Sam.

Democrats constantly repeat the mantra that they are for the middle class. That is part of the BIG LIE.

Democrats screw the middle class. Repeatedly.

ITguy on November 12, 2013 at 3:07 PM

High deductibles and copays = worthless insurance

docflash on November 12, 2013 at 3:01 PM

Junk plans. From “bad apples”.

ITguy on November 12, 2013 at 3:10 PM

The middle class will be paying for illegal aliens to get free healthcare, while the middle class gets essentially only catastrophic coverage, at a price much higher than current pre-ACA catastrophic coverage plans.

ITguy on November 12, 2013 at 3:12 PM

All of a sudden, that “From each… to each” thingie is getting pretty damned inconvenient, isn’t it?

WestTexasBirdDog on November 12, 2013 at 3:13 PM

Yes, yes, yes. One hundred and twelve million healthcare insurance plans saved or created…
New metrics for everybody!!!
Thanks, Mr. President!!!
Eleventy!!<3!!!
Barack Hussein Obama, mmm, mmm, mmm.
We've always been at war with eastasia.

DublOh7 on November 12, 2013 at 3:24 PM

My guess is the big fat copays will be only the start of the problem. Not only will the Obamacare exchange folks not be able to see the pediatrician/GP they want (the networks are very restricted), but that the doctors who will see them will be so overwhelmed with new patients the wait will be very, very long. Google to see some of the articles talking about how many doctors are refusing to participate in the Obamacare exchanges. I am willing to bet you see an increase in emergency room visits, as you will need to wait weeks to see a doctor in the Obamacare exchange. That won’t hit the LIVs in the face until their kid is sick and the doctor says he’ll see them in six weeks.

MaureenTheTemp on November 12, 2013 at 2:57 PM

Exactly right…

mnjg on November 12, 2013 at 3:27 PM

They won’t be able to pay the increased premiums and pay for care.

blink on November 12, 2013 at 3:11 PM

The Democrats’ base won’t have to pay.

The Republicans’ base will.

ITguy on November 12, 2013 at 3:37 PM

The best part about the subsidies is they’re not paid out until the end of the year, meaning you still have to cover the entire cost before you get the refund LOLOLOLOLOLOLOLOL

SirGawain on November 12, 2013 at 3:40 PM

My daughter and husband just had a baby two weeks ago. Because of Obamacare, their companies insurance plans pay part of the employee rate, but neither plan (they work for separate companies)pays ANYTHING toward dependent coverage. Under one plan, to add the baby is $400 monthly and under the other plan,it is $1032 monthly just to add the baby, not the spouse. Because of that, they are looking for individual coverage for their baby and have found an Obamacare compliant BCBS plan by going to the BCBS website (since they won’t qualify for a subsidy anyway, so no point on going the healthcare.gov, even if it was working). They found a plan with a $3,000 deductible and 80/20 split after deductible that also had a $40.00 co-pay for their pediatrician for $175.00 monthly, but when they got to the end of the registration, they were REQUIRED to add pediatric dentistry, which is priced separately, but required since it is mandated by Obamacare for all children under 12 Yrs of age. So now BCBS wants an additional $27.00 monthly for dentistry for a newborn who has NO TEETH! So now their $175.00 a month plan is going to be $202.00 monthly so they can take their baby, who has no teeth to the dentist. What a screw job!

ILUVTX on November 12, 2013 at 3:47 PM

Neither “keep your plan” nor “delaying the mandate” is a viable option.

They can’t work, they fail out of the gate. Because the exchanges need to have roughly 2.7 million of the “young healthies” paying bloated premiums by Obama’s own estimate (so probably very low)just to cover the new benefits being paid out to new Medicaid enrollees and the older, sicker people who will enroll on the exchanges, plus all the subsidies.

Those costs are starting NOW. Not delayed. And they won’t go away if people “keep their plans” and stay out of the exchanges. That means massive flows of red ink, billions adding onto the deficit with no limit in sight.

PPACA (or phonetically, “pee pee ca ca”) must be repealed. Half measures do nothing to solve the problems and cost a bloody fortune.

Adjoran on November 12, 2013 at 3:53 PM

Imagine all the money that will be redirected to pay for higher insurance costs that was being used to purchase other goods and services in the economy (clothes, cars, computers, phones, vacations, food…)….it has to have a huge impact on the US economy.
Less goods and services purchased means more unemployment…

albill on November 12, 2013 at 3:56 PM

Paging Captain Renault.

Paging captain Renault.

oldleprechaun on November 12, 2013 at 4:09 PM

Anyone whose income falls in between [$60-94k] — i.e. a nice chunk of the middle class — is on the hook for deductibles and co-pays with no help for Uncle Sam.

Comrade, glorious peoples communist Utopian state cannot come until middle class is poor class. Then we have glorious state of total equality except for generous commisars which have glorious middle class lifestyle.

It is going to be a glorious future comrades, GLORIOUS!!!!

jukin3 on November 12, 2013 at 4:13 PM

Best thing that ever happened to Republican’s…ever.

Thank you Obama!!

right2bright on November 12, 2013 at 4:16 PM

Consider a family of four making $59,000 a year. They will have to pay $400 a month toward their insurance premium, after receiving a subsidy, said industry consultant Robert Laszewski.

Easy answer, get a divorce. They’ll come out ahead.

Obamacare has a marriage penalty. Shocking I know.

slickwillie2001 on November 12, 2013 at 4:18 PM

ILUVTX on November 12, 2013 at 3:47 PM

And this is repeated across the country, but it won’t be reported…

right2bright on November 12, 2013 at 4:18 PM

As Obama said: Elections have consequences…he won…..If you voted for him, you deserve this….PS: bite me and the rest of the good people in this country that you have fed a crap sandwich to.

crosshugger on November 12, 2013 at 4:23 PM

Despite talk of a last minute fix this bell cannot be un-rung. Buckle up tight, we are speeding toward the edge.

Mason on November 12, 2013 at 4:32 PM

I don’t understand why anyone would join obamacare. Unless my understanding of the law is wrong.

A. A person can join at anytime.
B. Preexisting conditions are covered.
C. You can’t be refused coverage.

Wait till you need a Doctor or hospital, then join ocare. After you’re done quit paying for ocare. Pay the $92.00 per year penalty instead.

McCain Hater on November 12, 2013 at 5:49 PM

I don’t understand why anyone would join obamacare. Unless my understanding of the law is wrong.

A. A person can join at anytime.
B. Preexisting conditions are covered.
C. You can’t be refused coverage.

Wait till you need a Doctor or hospital, then join ocare. After you’re done quit paying for ocare. Pay the $92.00 per year penalty instead.

McCain Hater on November 12, 2013 at 5:49 PM

Almost. You can’t join anytime at insurance company’s insistence. Otherwise there would be no reason to sign up. There are limited enrollment periods – we’re in one now.

Chuck Schick on November 12, 2013 at 6:11 PM

I’ve got a suggestion: how about the Republicans propose a trade:

1: Delay ObamaCare for one year
2: Every single political appointee (IOW every single government worker in a non-Civil Service position) has to get their health insurance from a public exchange starting next year. Not more Federal Government provided insurance.
3: Every single Obama appointee in a position that requires Congressional confirmation (i.e. the high level ones) must, bu law, use an Exchange health insurance plan for all their medical needs.

Spouse has better coverage? To bad, you have to use the exchange plan.

4: Every person in 3 must detail all their health care spending each year. IOW, if they paid out of pocket to see an “out of exchange” doctor, that has to be reported. Because we’re going to make a political issue of Obama Administration members getting better health care than the rest of us.

Greg Q on November 12, 2013 at 6:25 PM