Below are responses from real people across North Carolina describing how the Affordable Care Act (Obamacare) is making health insurance far less affordable while often forcing them off their current plans.
If you want, you can share your Obamacare story with us!
MOTHER OF TWO CHRONICALLY ILL CHILDREN “BEING DESTROYED BY OBAMACARE”…MEDICAL COPAY FOR VITAL MEDICINE SKYROCKETS BY 306 PERCENT…DEDUCTIBLES AND COPAYS SOAR
“I have two kids with chronic, life-threatening illnesses. We are being destroyed by Obamacare. I made a video that explains it all:
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lazyload-lightboxis invalid or not supported. Note that you will need the Pro Addon activated for modes other than normal.We are currently at $22,700.21 in OOP Medical this year thanks to the increases in copays, deductibles, and OOP Maxes. Our worst year financially in 17 years and not even our worst year medically speaking, either! The number has increased from August when I made the video explaining it all. We also found out yesterday that the total increase of our premiums for 2014 is $1,537.64 increase from this year. That’s a $3,066 increase since the law passed. I have pictures of the letter my husband’s employer sent out in August explaining that their health care plan costs are going to increase $7.4 million in 2014….. so we knew there would be increases. I also have pictures of invoices on my blog: www.catholicteapartyhippie.blogspot.com A medication that protects my youngest son’s kidneys from damage had a copay of $131 from 2005-2010… After Obamacare passed, the copay skyrocketed to $532
I have a public photo album of a few of our bills on FB… not sure if this link works http://www.youtube.com/watch?v=sbHd5qTHktA&feature=share&list=UUrwbRsmGvKdtFJP8TOGkYSg
Where we used to pay 4-5K per year in medication copays, we are now on track to pay 10K this year. We have currently paid with flex, cash and credit $7,143.93 for those same medications and have a few more months left in the year. From 2005-2010, our deductible increased $50 ($10/year). Since Obamacare passed, our deductible has increased $1,200 ($400/year). From 2005-2010, our OOP max increased $500 ($100/yr) Since Obamacare passed, it increased $3,000 ($1,000/year) .
A copay for a blood product my son infuses weekly stayed the same from 2005-2010. Since the law passed, it has increased 100%. Still one of our more affordable copays, but a 100% increase is crazy. Before Obamacare, our plan was an 85/15. The company dropped it to a 80/20 because of Obamacare.
If you can’t open the FB picture album, let me know, I can email you pictures. I have one envelop (small) with the first $2,500 we paid with flex and then a huge one with most of the other bills.The decreased ability to itemize deductions will hurt us when we file taxes! The drop in flex harmed us greatly- we used the $2,500 by Jan 19th of this year.
Anyway, sorry for such a disjointed letter. If you watch my video, it is pretty clear. The medical device tax affects us because our insurance company pays more for the medical supplies and catheters we use. Then passes the cost on to us via higher deductibles, premiums, OOP Maxes and copays.”
CURRENT INSURANCE DROPPED “DUE TO ACA REGULATIONS”…PREMIUM WOULD INCREASE 81 PERCENT…A RISE OF MORE THAN $450/MO…FORCED TO DROP COVERAGE BECAUSE IT WILL BE UNAFFORDABLE
“I received a letter from BC/BS this week letting me know that my current plan will no longer available in 2014 because of the ACA (Obamacare), and the closest plan will now be $1,019.49 per month instead of the $562.21 I’m now paying (out of pocket because I don’t get benefits being self-employed). That is an increase of $457.28 a month ($5,487.36 a year) which I can’t afford and will have to drop. Didn’t Mr. Obama say that if we liked our plan we can keep it? Just another lie and another reason congress should have found out what is in it before passing it (Ms. Pelosi).”
PREMIUM INCREASE OF 52 PERCENT…
“Mr. “No one making less than $250,000 will see any tax increases” has increased my BCBSNC premiums 52.5%, from $576.87 per month to $879.93 per month with no limit on out of pocket expenses. This is another 5% of my income gone to the government and Democrat policies. And as we know from experience, it only gets worse, never better under any political party’s watch.”
CURRENT INSURANCE DROPPED “DUE TO ACA REGULATIONS”…PREMIUM INCREASE OF 63 PERCENT…LESS PRESCRIPTION DRUG COVERAGE
“We have been self employed for over 30 years, and consequently purchased our own health insurance. We are 56 years of age and healthy.
We first received a booklet from Blue Cross/Blue Shield, that said “You cannot stay with your current plan, so you have to be switched to a new 2014 plan.
You may see a substantial impact on your rate.”Then the next week re received our renewal letter. It said “Due to ACA regulations, you current BCBSNC medical plan will no longer be offered for
2014…….we will transition you to the Blue Advantage Silver 3500 plan. Our rate went from $684.00 to $l,ll7.42. This is for a 70/30, $7000 deductible
plan.The next week we received a copy of what the plan covers. Under the prescription drug coverage, After a $200.00 deductible, Preferred brand drugs are $50
per prescription, Non-Preferred brand drugs are $70 per prescription, Generic drugs NOT COVERED. How does this save anybody any money. Who was protected
with Obama Care? No wonder the drug companies back it.
I called my congressman Senator Richard Burr (R), told his answer machine my story, no response.
I called my congressman Senator Kay Hagen (D), told her answer machine my story, no response.
I called my congressman Representative GK Butterfield (D) told his aid my story, and he told me to go to the exchange. I told him that in my opinion that
was not a viable answer because the Feds are BROKE. I was not a burden to my government before Obama Care, and now I will be. I don’ want to be a burden to
the government. He told me he gave me a solution, and if I didn’t take it, it was on me.Where is the outrage for people like us??? I want to see publicly a story on all the folks that lost their health insurance due to Obama Care vs those that
bought coverage.On another note, a friend whose wife works for Ferrell Gas full time with health coverage, got a letter telling her that come Jan. 1, she will now be part
time, with no health insurance. So….now she is out pay, out health insurance, and supposed to purchase health insurance. With What?? We need help NOW
before this all goes into effect.”
290 PERCENT INCREASE IN PREMIUMS…FROM $248/MO TO $968/MO…LOSING CURRENT PLAN “DUE TO ACA REGULATIONS”
“I just received my notice from BCBSNC of my new medical insurance premium. I now pay $248.18 for a high-deductible policy for my wife and me. According to the attached, the equivalent policy under ObamaCare will cost me $968.48.”
“I called BCBSNC and they verified that this was not an error or a joke. The letter also listed all the great things I get in return for a premium increase of 290%: maternity & newborn care [I am 55, no more babies planned], dental & vision for children, habilitative [is that a word?] care, and increased benefits for mental health and substance abuse. Clearly we are not going to see a $2,500/year reduction in premiums.”
135 PERCENT INCREASE IN PREMIUMS…FROM $465/MO TO $1,096/MO…LOSING CURRENT PLAN “DUE TO ACA REGULATIONS”
LOSING CURRENT PLAN “DUE TO ACA REGULATIONS”…..PREMIUM INCREASE OF 157 PERCENT…NOT ELIGIBLE FOR SUBSIDIES
“I am the principal of a small consulting company and have my own insurance policy through BC/BS of NC. It is an HSA policy with a high deductible and allows me to contribute $4250 annually tax free. My premium for this policy is about $220/mo, as I am healthy and in the low risk pool. I loved the policy and it was working well for me. Last Monday, I received a letter from BC/BS stating that my current policy is “non compliant” and they can no longer offer that policy. My “new” policy is a bronze level policy with a monthly premium of $564.90 and a deductible of $5500 annually. This is approximately a 260% increase in my monthly premium. BUT…I am now able to get maternity and lactation benefits, neither of which I could possibly use, as I am 64 years old! I also do not qualify (legally) for any subsidies. When I called BC/BS to inquire about other options, I was told after about 30 minutes that they couldn’t give me any other rate information, as the rep couldn’t access the info. I would need to call back in a week or so.
For me, it doesn’t make sense to pay that much more (and no tax benefit). I will most likely opt to pay the fine this year. I have to believe that others will make the same decision and probably in about 3 years, BC/BS will be out of business! “
HEALTHY, TWENTY-SOMETHING FEMALE, 24 PERCENT PREMIUM INCREASE
SENIOR ON MEDICARE ADVANTAGE TO SEE 1,000 PERCENT PREMIUM INCREASE….WITH NO INCREASE IN BENEFITS
“Let’s not forget about the burden Obamacare is placing on seniors, who are not even eligible for it. Because of the $750 billion dollars Mr. Obama has taken out of Medicare Advantage, my premium will go up from $6 per month to $61 per month. I believe that’s about 1000% increase – with no increase in benefits and the same high co-pays and a cap on out of pocket expenses of $6700. And we haven’t heard yet what the increase in the Medicare Part B payment will be but it is rumored to be approximately 16%. Seniors are being hurt tremendously by this abomination.”
LOSING CURRENT PLAN “DUE TO ACA REGULATIONS”…PREMIUMS TO INCREASE BY $7,000/YR
“I have only gotten as far as creating an account & getting to the link for estimating my cost under the ACA. My current plan which the ACA eliminates cost my wife & I $465.00 with a $10,000.00 deductible. Total for the year, $5,580.00, maximum out of pocket 15580. This is not an employer plan that I was thrown off of. This plan is eliminated by the ACA, I have no choice but to give it up! I do not get to keep my current Health Insurance Plan if I like it! Obama LIED!
So far the least expensive plan according to the health.gov site link to the estimator page is going to cost us a minimum of $12,495.00 with a 12,000.00 deductible! I do not qualify for a subsidy. Minimum I would pay out of pocket $25,195.00 if we were in a accident or both hospitalized!
The ACA is not affordable! You do not have choice under the ACA! I have had Health Insurance for 43 years and as of the first of the year I will no longer have insurance, can’t afford it.”
Our 24 yr. old son graduated from college in May of this year & is still trying to find full-time employment. He just received his notice from BC/BS that under #Obamacare his Deductible will increase from $1,500 to $3,500, his co-pays will double, he now has a Drug Deductible, and his premium will increase from $108.56 to $265.00 per month (245% Increase) on January 1st, 2014. This is not the $2,500.00 savings we were promised by the president. We assume next, the Obama administration will sue him because he can’t pay either for his Health Insurance or his Student Loans. Only in America – Obama-Not-Care!
Like most of you I just got hit with a 11% increase, and the co pays went out of the roof.
I recall Kay Hagan, and the N@R promises our premiums would go down, and the coverage would be better.
“we will get exactly what they voted for”.
I hope this changes. I was out of work for 2 1/2 years due to health conditions. When I finally found a job and could look for insurance I was denied due to pre-existing conditions. But my contract company had a health plan, not a very good one, but better than nothing. Now I was.am being told it does not meet the minimum health care requirements and I will javelin to either purchase additional coverage ire find a new plan. My daughters insurance is going to go up by at least a 1/3.
It took me three years to he able to rent a decent house and get us back on track. Since I was a single mom and I was a rente so I did not qualify for the mortgage assistance programs. So I lost my apartment. So now, I am work 50-60 hours a week and am renting a house, but will probably have to over again just to pay for the happy insurance I can get for myself and my child. Some of my prescriptions I already cannot pat for because they are not covered in my Rx plan.
How is this affordable healthcare?
It’s not affordable. It’s just another ponzi scheme. A cynic might say that it was never designed to work but rather to force an even deeper, darker “gov’ment” solution.
It is good that Obama supporters are required to finally pay for some of that “free stuff” they think others should fund for them. Elections have consequences, the left wanted it, the left got it, now the left is taking it where it hurts and this is good :-)
The Shoe Affordability Decree (SAD)
The President was concerned that there were too many shoeless people in his country. He said, “I will assure that everyone in the country has shoes!”
So he ordered the shoes and spared no expense-in fact, he went way over budget! The President assured that every pair of shoes were of the best quality and had every modern day comfort a person could want in a shoe!
The data said most those going without shoes needed a size 9. So, the President ordered shoes for every citizen-all in a size 9.
When the people protested, the President became very angry. Here he had assured that no one in his country would go without shoes and they were all of the highest quality! Yet, many people complained, said they were too expensive, the wrong size and didn’t fit properly.
But the President didn’t care. He knew that his critics simply didn’t want everyone to have affordable shoes.
Besides, his legacy would be that he provided shoes to all the people in the country. ‘What difference does it make’ if they are the wrong size?
Story created by the Mary Poppins for President Campaign
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this causes people to hunt for the secrets and cheats for the activities by
the support of that they can can report high ratings
without updating others of their hacking app.