Video: Sticker shock greets those who successfully navigate Healthcare.gov

posted at 12:01 pm on December 3, 2013 by Ed Morrissey

“Now that those glitches have been taken care of,” Newsnet 5′s Debora Lee reports, one Ohio woman finally went shopping for health insurance on Healthcare.gov — and wishes she hadn’t.  “I thought it was supposed to help,” Liz Binns told Lee, but now she asks, “How can I pay this kind of money out?”

Welcome to the (kinda) fully functional ObamaCare (via The Right Scoop):

Binns had been trying to navigate the government’s health care website since October to find affordable insurance for her husband, a 60-year-old who has a pre-existing condition and whose job doesn’t offer coverage.

What she finally found for him Monday carries a premium of more than $400 a month and a $5,000 annual deductible.

“How can I pay this kind of money out?” she asked. “It’s going to take at least a second job and praying that I would make enough on a second job just to pay for this health insurance.” …

“I thought this was going to be the miracle for us,” she said, “and it’s not.”

You don’t apply to governments for miracles, even though Barack Obama clearly needs one at this point more than ever.  He’s banking on making a few more speeches to distract everyone from the financial consequences of ObamaCare, but it doesn’t work when those consequences become personal and ongoing.  Every clinic visit that requires cash now rather than a co-pay because of increased deductibles, and every paycheck lowered because of premium increases, will remind the Binns and everyone else just how much they’re losing thanks to ObamaCare’s disruption of a market that had been largely functioning well for most Americans.  And when the fall of 2014 approaches, tens of millions more will find themselves tossed into the same position.

It’s not the website. The website has been a distraction for Americans.  It’s the bill coming due that Obama will have to explain … every day until the midterms.


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Our plan was not to make things exponentially worse.

We win.

Chuck Schick on December 3, 2013 at 1:20 PM

Fixed…

PatriotRider on December 3, 2013 at 1:29 PM

Seriously? She thought the government, THIS GOVERMENT! was going to be the answer?

Tater Salad on December 3, 2013 at 1:29 PM

The miracle is that people this stupid can speak clearly.

HiJack on December 3, 2013 at 1:33 PM

The Goebbelses of the WH and related assume that all of you are utterly stupid.

Healthcare is very personal and affects every single living being.

This ain’t goin’ away.

Schadenfreude on December 3, 2013 at 12:17 PM

they do think that ppl ARE that stupid.
they got reelected didn’t they.
make the D’s eat this
every. fricking. day.

conservative tarheel on December 3, 2013 at 1:35 PM

The GOP Establishment strongly suggest that stories like this don’t get too much air time…

… It might affect their exemption from the law.

Seven Percent Solution on December 3, 2013 at 1:44 PM

“All the complainers are older white people” — WH-related-Goebbelses

Schadenfreude on December 3, 2013 at 1:46 PM

Ohio? They went for Obama, right?
Thanks, Ohioans.

vityas on December 3, 2013 at 12:14 PM

Not all of us.

Only 50.1% of Ohio voted for Obama, which included only 16 of the 88 counties.

http://www.politico.com/2012-election/results/president/ohio/

dominigan on December 3, 2013 at 1:47 PM

Thrill

Schadenfreude on December 3, 2013 at 1:48 PM

OH was stolen.

Schadenfreude on December 3, 2013 at 1:49 PM

Isn’t it ironic using the term navigation problems on what has become a fast sinking ship?

USS ObamacareTitanicCanoeWithoutaPaddle

fogw on December 3, 2013 at 1:49 PM

The problem is you can’t fix stupid. Those that chose to elect these wonderful saviors of America have been doing so for years. At this point only rock bottom will change minds. The question is “are we there yet”?

DDay on December 3, 2013 at 1:52 PM

If it was up to the GOP she’d be even worse off. Pre-existing conditions? Too bad. What’s your plan? Oh right. You don’t have one.

lostmotherland on December 3, 2013 at 12:09 PM

Perhaps if you knew your history you wouldn’t be so quick to point fingers. It was FDR’s (DEMOCRAT) regulations capping salaries during the Great (DEMOCRAT) Depression that led to companies offering health insurance tied to employment to attract the best workers. Up until then, people purchased insurance independent of employment, which meant that pre-existing condition issues rarely happened except in cases of where the individual decided to switch plans. And of course, why would you do that once you had a bad condition?

Once again we learn that…

1) Democrats were dumb.
2) There are reactions to every action.
3) Democrats are still dumb.

dominigan on December 3, 2013 at 1:56 PM

If it was up to the GOP she’d be even worse off. Pre-existing conditions? Too bad. What’s your plan? Oh right. You don’t have one.

lostmotherland on December 3, 2013 at 12:09 PM

Everyone either has a pre-existing condition or will have a condition. Which is why you buy insurance for coverage before you need it. The obvious question is what did you do with the premiums you didn’t spend. Save them for a rainy day or spend them.

CW20 on December 3, 2013 at 1:57 PM

This is what will sink the program. Americans had blinders on 4 years ago. The only reason they went along with O-care was because (like idiots) they were hoping for less expensive insurance.

The entire program would be in WORSE shape if the site worked.

Then more people would know it’s not cheaper, it’s more expensive.

Fixing the site will only make things worse for O-care.

Clips of Obama’s statements (saving Americans $2,500 a year, and Keep your plan, doctor, etc.) played over and over, should be all R’s need to win the next election.

I know, I know…

Meremortal on December 3, 2013 at 2:02 PM

The lord does not make people stupid. He gave them free will so they could choose to be stupid.

astonerii on December 3, 2013 at 12:53 PM

Gotta disagree on that one.
Some people are just plain stupid – no choice involved – the brain power just isn’t there.
Just look at the typical 0bamatron.
I’ve known a bunch – some in my (extended) family.

dentarthurdent on December 3, 2013 at 2:03 PM

If it was up to the GOP Tsarists she’d you farmer’s would be even worse off. What’s your 5 year plan? Oh right. You don’t have one. Only Stalin has one!

lostmotherland on December 3, 2013 at 12:09 PM
FIFY

questionmark on December 3, 2013 at 1:14 PM

Hahahahaha! Good one.

Blake on December 3, 2013 at 2:06 PM

It’s not the website. The website has been a distraction for Americans.

That’s true. But the website has also made it clear that this is a story about incompetence.

David Blue on December 3, 2013 at 2:07 PM

dentarthurdent on December 3, 2013 at 2:03 PM

Dido +1

DDay on December 3, 2013 at 2:11 PM

Welcome to the (kinda) fully functional ObamaCare

Did they ever get that thermal exhaust port locked down? It’s only 2 meters wide, but you never know.

iurockhead on December 3, 2013 at 2:25 PM

Shut up, lady, and wait in the corner until the MSM gives you instructions on what you should think/do next.

ardenenoch on December 3, 2013 at 2:29 PM

Did they ever get that thermal exhaust port locked down? It’s only 2 meters wide, but you never know.

iurockhead on December 3, 2013 at 2:25 PM

That’s still open – but then so is the HUGE back door cargo bay entry…

dentarthurdent on December 3, 2013 at 2:30 PM

You all know that old axiom: “the definition of insanity is running the same experiment over and over expecting different results”? That is Liberalism/Socialism/Communism defined.

HomeoftheBrave on December 3, 2013 at 2:32 PM

You all know that old axiom: “the definition of insanity is running the same experiment over and over expecting different results”? That is Liberalism/Socialism/Communism defined.

HomeoftheBrave on December 3, 2013 at 2:32 PM

Yabut THIS time 0bumble is in charge, unlike the other times when it failed because unworthy people like Stalin, Mao, Castro, Chavez, and all the others tried it……
This is, like, TOTALLY different…..

dentarthurdent on December 3, 2013 at 2:44 PM

Did they ever get that thermal exhaust port locked down? It’s only 2 meters wide, but you never know.

iurockhead on December 3, 2013 at 2:25 PM

That’s still open – but then so is the HUGE back door cargo bay entry…

dentarthurdent on December 3, 2013 at 2:30 PM

And whereas you might be lucky to get a good shot into that exhaust port, you could drive an entire wagon team of trojan horses through the back door….

dentarthurdent on December 3, 2013 at 2:48 PM

If only Obama knew!

claudius on December 3, 2013 at 2:52 PM

Poor lady – the President is on TV right now saying that the law works. She’s obviously very confused.

Hill60 on December 3, 2013 at 2:53 PM

Binns had been trying to navigate the government’s health care website since October to find affordable insurance for her husband, a 60-year-old who has a pre-existing condition and whose job doesn’t offer coverage.
 
What she finally found for him Monday carries a premium of more than $400 a month and a $5,000 annual deductible.

 
Just noise, right urban elitist?

rogerb on December 3, 2013 at 3:02 PM

Why even waste print space on all of this? First question to ALL of these “stories” should be, Who did you vote for in 2008 and 2012? And if it is not a clear “NOT DONKEYS”, only then should the story continue. Actions have consequences, this should be made painfully clear to all of these “I didn’t know” IDIOTS. Fool me once and all that jazz…

These people should be TOLD, TO THEIR FACE, and as OFTEN AS IT TAKES, THEY VOTED FOR THIS. I don’t want to read about them, I don’t feel any compassion for them, if they are their worst enemies it seems there is nothing we can say nor do at this time to negate their idiotic actions, at least not until 2014 elections.

My only regret is that not ALL of USA has to go onto HusseinCare come January 1st. Only a huge whack on the head come January 1st would have had an impact on these “I didn’t know” types, shame only a small percentage of them might learn something in the process next year. Force Wall Street and Hollywood sign up for HusseinCare, the only way we could really kill this bad dream.

riddick on December 3, 2013 at 3:09 PM

They needed to fix it to find put whats in it. I’m hopeful that more and more people can get on the website so they will see how they are being screwed over. That will guarantee a majority Repub Senate in 2014 with a 51 vote majority pass rule. I love it when the lefts own hubris buries them.

neyney on December 3, 2013 at 3:20 PM

Actually, I think this entire Obamacare mess will be just as bad for the “Let’s make a deal” GOP establishment. These are the weenies who were horrified that conservatives wanted to make a principled stand on the debt ceiling and Obamacare.

It was the GOP establishment led by Senator John “RINO Maverick)McCain who whined about let’s make a deal so the Democrats get everything they wanted and the Republicans are left looking like circus clowns.

BTW, where was the old Gang of 6 (or whatever number) when Reid pulled the trigger on the nuclear option in the Senate? I didn’t see McCain saying anything about a Gang to stop it. Why? Because he was of no use to the Democrats on that vote and he would only have been a Gang of one. But he still doesn’t get the fact that the Democrats just use him as a useful idiot when they need something passed when the Republicans are in control. I think it has to do with him being bitch slapped by the North Vietnamese guards while he was checked into the Hanoi Hilton. Maybe he sees the Democrats as the guards that will bitch slap him if he doesn’t comply with their demands. Who knows.

Anyway, the establish Republicans are going have a hard time explaining why they were part and parcel of the implementation of the Obamacare train wreck when their knees buckled during the debt ceiling debate under the political intimidation of the Democrats and the MSM (I apologize for being redundant).

There are those who will disagree with me, but I would rather be on the right side of the Constitution than the go-along-to-get-along side of the Republican Party.

Winning isn’t necessarily a victory when the Republican establishment is little more than Democrat lite.

BMF on December 3, 2013 at 3:31 PM

My only question for these fools is “were you for it before you were against it”. If you were, eff off and suffer.

msupertas on December 3, 2013 at 3:32 PM

That will guarantee a majority Repub Senate in 2014 with a 51 vote majority pass rule.

neyney on December 3, 2013 at 3:20 PM

You keep forgetting that it also takes only 51 votes to put back 60/40 rule and I would not count on progs not to do that before they leave office. Reid has outsmarted entire Senate GOP for years now, all they have to say is, “we listened to GOP and now agree that 6-/40 rule is the way to go”.

riddick on December 3, 2013 at 3:35 PM

If it was up to the GOP she’d be even worse off. Pre-existing conditions? Too bad. What’s your plan? Oh right. You don’t have one.

lostmotherland on December 3, 2013 at 12:09 PM

And now, perhaps she’ll have to pay for the privilege of forgoing health insurance.

Before, she got that for free!

Axeman on December 3, 2013 at 3:41 PM

These people should be TOLD, TO THEIR FACE, and as OFTEN AS IT TAKES, THEY VOTED FOR THIS. I don’t want to read about them, I don’t feel any compassion for them

That’s why there are two types of conservatives. I don’t find one incompatible with the other. And the greatest argument we can bring is not how Abominablecare is making you pay for layabouts, but look at it is hurting people it didn’t have to hurt.

Axeman on December 3, 2013 at 3:45 PM

Maybe her and her husband just need someone to talk to her about End-of-Life choices…..

Axeman on December 3, 2013 at 3:47 PM

“Now that those glitches have been taken care of,” Newsnet 5′s Debora Lee reports, one Ohio woman finally went shopping for health insurance on Healthcare.gov — and wishes she hadn’t. “I thought it was supposed to help,” Liz Binns told Lee, but now she asks, “How can I pay this kind of money out?”

Debora – I presume you are in the middle class. Someone has to pay for “Cadillac” healthcare for the lifetime welfare class and eventually illegal aliens and that’s you.

If you didn’t vote for Obama, you have my sympathy. If you did, you helped create this nightmare.

bw222 on December 3, 2013 at 4:08 PM

And now, perhaps she’ll have to pay for the privilege of forgoing health insurance.
Before, she got that for free!

Axeman on December 3, 2013 at 3:41 PM

Satisfaction guaronteed or we’ll take double your money…

dentarthurdent on December 3, 2013 at 4:08 PM

“I thought it was supposed to help,” Liz Binns told Lee, but now she asks, “How can I pay this kind of money out?”

The electorate deserves to get what it wants….good and hard. You’ve all heard the saying that if it sounds too good to be true then it is. Well, when a politician tells you things like we can give millions health care coverage and still reduce costs, that’s too good to be true. When a politician tells you we can export jobs and increase prosperity, that is also too good to be true. Why do voters keep falling for this crap. Idiocracy was a documentary.

DFCtomm on December 3, 2013 at 4:17 PM

It sounds like she doesn’t get a subsidy, so maybe she should look for something NOT thru the exchanges, and she doesn’t say why she is only buying for him, and if she can buy what SHE has for him. We also don’t know if people who don’t get a subsidy anyway ought to buy a family plan somewhere else like private insurance, and avoid the employer insurance altogether so you are not buying two different plans.

My experience with family members is that some people get insurance and they won’t pay the extra to cover their spouse, even when it is available… and they wouldn’t pay for the kids either, or they would have a family plan.

This lady, probably had to tell her employer back on Oct. 1 if she wanted to added his coverage to her plan, for a family plan. But she doesn’t say. A relative of mine complained and complained about the cost of her spouses doctor and dentist appointments, and then come to find out, she would never pay for his premium on her insurance. They don’t want it coming out of “their” paycheck. I bet a lot of uninsured people chose to be uninsured back when the spouse could have added them. It was never an issue, those that wanted insurance bought it, those that did not want to pay premiums did not buy it.

This health care problem is a man made disaster.

Fleuries on December 3, 2013 at 4:28 PM

Maybe just maybe the 47% will see what they have done to us all. Now that they are up to their armpits in this crap they will realize what a liar Obama was/is. He has lied to everyone, both liberals and conservatives, and now he is going to try and cull out the few who are actually helped by this monstrosity to show the rest of us how great it is. It ain’t going to work Barry.

inspectorudy on December 3, 2013 at 4:47 PM

Clearly, the only thing left for Obama to do is use the “Talking Horse Defense.” That is, delay, delay, delay and hope for a miracle.

Fred 2 on December 3, 2013 at 4:59 PM

inspectorudy on December 3, 2013 at 4:47 PM

If only we could get enough of them together to be able to run him out of town on the intercontinental railroad….

dentarthurdent on December 3, 2013 at 5:14 PM

Eh, she’s 60. She should just crawl into the woods and die.

– obamabot/Dana Milbank

HumpBot Salvation on December 3, 2013 at 12:08 PM

You forgot to add Ezekiel Emanuel to that list.

djm1992 on December 3, 2013 at 5:27 PM

Case in point: people still want something for nothing. This woman would be much happier if Obama had stolen more from us to pay for her husband’s pre-existing condition. Judging by her physique, I would say that healthy living is not a priority for them. We’re going to be paying for their, likely, unhealthy lifestyle.

Levinite on December 3, 2013 at 5:48 PM

keep voting democrat you godless reprobates.

Murphy9 on December 3, 2013 at 5:53 PM

“I thought it was supposed to help,” Liz Binns told Lee, but now she asks, “How can I pay this kind of money out?”

(brain-dead, redistributionist O-bot) It IS helping Liz. Why, just think how substandard and crappy your plan would be without Obamacare. Why, not only would Hubby not be able to get coverage with his pre-existing condition, you wouldn’t be able to get maternity coverage and mental health coverage either. Now, you get both! And as a bonus, you no longer have to worry about what to do if you happen to get pregnant again -birth control is free! How can I pay this kind of money out?!? How can you NOT pay it out! It’s a tax! John Roberts says so! You have to pay it out, so just write the check! Just like Bob Rubin said back in the early 90′s, “you just pay the tax.” Simple. Don’t have the money? Not our problem. Besides, you’re smart and industrious -we’re sure you’ll figure something out. (/brain-dead, redistributionist O-bot)

You F-d up, Liz. You trusted them. If nothing else, I hope you now realize that the Democratic party is not your best friend, does not always look out for you and your best interests, and has a very different idea of what “affordable” is compared to what you think it is.

djm1992 on December 3, 2013 at 6:16 PM

Compare and contrast: Somebody with a conscience and a willingness to take on another job to afford insurance for her ailing husband, versus a vile couple from San Francisco – who’d rather game the system.

What she finally found for him Monday carries a premium of more than $400 a month and a $5,000 annual deductible.

“How can I pay this kind of money out?” she asked.It’s going to take at least a second job and praying that I would make enough on a second job just to pay for this health insurance.”

So what is Hammack going to do? If his income were to fall below four times the federal poverty level, or about $62,000 for a family of two, he would qualify for subsidies that could lower his premium cost to as low as zero. If he makes even one dollar more, he gets nothing.

That’s what he’s leaning toward — lowering his salary or shifting more money toward a retirement account and applying for a subsidy.

I’m willing to cut Mrs. Binns some slack – the other couple – not so much.

Hill60 on December 3, 2013 at 6:25 PM

And now those who voted for Obama — because he CARES about people (and he’s black) — are now finding out that they’re lazy and dishonest, just like Obama. Because they went into that voting booth after Obama’s disastrous first term and voted for him again — all based on the simple-minded premise that he CARES about people (and he’s black) — instead of doing the necessary homework to find out who he really is (lazy and dishonest, and certainly no American).

RobertMN on December 3, 2013 at 6:37 PM

http://goo.gl/X7aYBq

Shaughnessy on December 3, 2013 at 8:06 PM

If it was up to the GOP she’d be even worse off. Pre-existing conditions? Too bad. What’s your plan? Oh right. You don’t have one.

lostmotherland on December 3, 2013 at 12:09 PM

FOAD

kim roy on December 3, 2013 at 8:46 PM

If you cannot underwrite (evaluate the risks, determine premiums commensurate with the risk, or even decide that the risk was too great to offer coverage), then of necessity the insurer has to look at something more like the worst case situation and they have to do it for EVERYONE.

The No Pre-Existing Condition sounds wonderful until you realize that means that when the insurer figures out what premiums it has to prudently charge to its insured, it means each and every insured has to pay a part of that risk — either in premiums or in higher deductibles or both.

The sum total of premiums charged is supposed to pay employees, pay the rent, pay expenses, pay claims, and anything leftover is profit. Companies are not in business to plan on losing money as a regular consequence of normal business. They add it all up then figure out the premiums needed, no free lunch.

Russ808 on December 3, 2013 at 10:18 PM

What she finally found for him Monday carries a premium of more than $400 a month and a $5,000 annual deductible.

That’s $400 + ($5,000 / 12) = $816.66 per month

That’s for nothing Barack

J_Crater on December 4, 2013 at 10:47 AM

What she finally found for him Monday carries a premium of more than $400 a month and a $5,000 annual deductible.

That’s $400 + ($5,000 / 12) = $816.66 per month

That’s for nothing Barack

J_Crater on December 4, 2013 at 10:47 AM

What it means is that she will spend $4,800 annually whether or not her husband accumulates enough deductible expenses ($5,000) which is where the insurance she paid for will kick in.

The irony is that if she just wanted coverage only for her husband’s pre-existing condition (and that condition is not detailed so there is a lot subsumed into the phrase ‘pre-existing condition’) with minimal coverage for anything else (which would make it more catastrophic insurance or what insurance usually means cover a possible but otherwise unlikely event) she wouldn’t be able to get it because it would not be LEGAL under PPACA.

No miracles there. Remember that under PPACA the policy with mandated coverages has to hold up its part of the risk pool and cross-subsidies. He’s said to be 60ish so maybe not so much on cross-subsidies there.

Russ808 on December 4, 2013 at 5:33 PM

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