Obamacare Ripoff


Obamacare, which should more correctly be called by its secret Corporate name, Baucus-care, makes 30 million people buy private health insurance, a near-worthless middleman racket that produces nothing, but is an exquisite parasite that does intrude to the max between doctor and patient for the sole purpose of extracting profit. And taxpayers have to pay for all those who can’t.
- OpEd News, July 1, 2012

Obamacare Is Another Private Sector Rip-Off Of Americans
The private sector allied with government is a second IRS

By Paul Craig Roberts
October 1, 2013

The government of the world’s only superpower, the “exceptional,” the “indispensable” country, claims to know what is best for Syria, Iraq, Afghanistan, Libya, Yemen, Pakistan, Somalia, Mali, Russia, Venezuela, Bolivia, Ecuador, Brazil, China, indeed for the entire world. However, the “indispensable” country cannot even govern itself, much less the world over which the “superpower” desires hegemony. The government of the “world’s only superpower” has shut itself down.

The GOVERNMENT HAS SHUT ITSELF DOWN, because it cannot deal with the budget deficit and mounting public debt caused by twelve years of wars, by financial deregulation that allows banks “too big to fail” to loot the taxpayers, and by the loss of jobs, GDP, and tax base that jobs offshoring forced by Wall Street caused.

The Republicans are using the fight over the limit on new public debt to block OBAMACARE. The Republicans are right to oppose Obamacare, but they are opposing Obamacare largely for ideological reasons when there are very good sound reasons to oppose Obamacare.

Last February 3, I posted on this website a column, ”OBAMACARE: A DECEPTION”, written by an expert on the subject.

When Republicans for ideological reasons blocked a SINGLE-PAYER health system like the rest of the developed world HAS and, indeed, even some developing countries have, the Obama regime, needing a victory, went to the insurance companies and told them to come up with a health care plan that the insurance lobby could get passed by Congress. Obamacare was written by the private insurance industry with the goal of raising its profits with 50 million mandated new customers.

Obamacare works for the insurance companies, but not for the uninsured. The cost of using Obamacare is prohibitive for those who most need the health coverage. The cost of the premiums net of the government subsidy is large. It amounts to a substantial pay cut for people struggling to pay their bills. In addition to the premium cost, it is prohibitive for hard pressed Americans to use the policies because of the deductibles and co-pays. For the very poor, who are thrown into Medicaid systems, any assets they might have, such as a home, are subject to confiscation to cover their Medicaid bills. The only people other than the insurance companies who benefit from Obamacare are the down and out who are devoid of all assets.

This might prove to be a growing percentage of Americans. On September 19 the New York Times on the front page of the business section reported what I have reported for years: that real median family incomes in the US are where they were a quarter of a century ago. In other words, in a quarter of a century there has been no income growth for the median American family.

In 2013 payroll employment is below where it was six years ago. During 2013 most of the new jobs, barely sufficient to stay even with population growth and insufficient to recover the job loss from the recession, have been part-time jobs that do not provide any discretionary income with which to drive a consumer economy.

Obamacare has RESULTED in the health insurance companies, who thought that they would be living in high profits from the mandated health coverage, being OUTSMARTED BY EMPLOYERS, who have reduced their full-time workers to part-time in order to avoid Omamacares requirement to provide health coverage to those employees who work 30 hours a week or more.

Employers can get away with this, because JOBS are hard to find. The lack of employment opportunities results in Americans with engineering degrees working as retail sales clerks and as shelf stockers in Walmart and Home Depot. Despite the abundance of unemployed and under-employed American technical and engineering workers, the large corporations lobby Congress for MORE H1-B VISAS to bring in lowly paid foreigners with the argument that there is a shortage of qualified Americans for technical work.

As I have pointed out so many times, if there were a shortage of engineering and technical workers, salaries would be rising, not falling.

For millions of employees, Obamacare means cut hours and less take home pay plus out-of-pocket expenses to purchase an Obamacare health policy. For most people covered by Obamacare, this is a lose-lose situation.

It is also a lose-loss situation for the vast majority of the young. Most young people, unless they have jobs that provide health coverage, do without it, because the chances of the young having heart attacks, cancer, and other serious health problems is low.

Obamacare, however, requires the healthy young to pay premiums for coverage or to pay a penalty to the IRS.

In my day this might not have been a problem. However, today there are few jobs for the young that pay enough to have an independent existence. The monthly payroll jobs reports do not show well-paying jobs. The Labor DepartmentҒs projections of future jobs are not jobs that pay well. For the youth, it seems that the penalty is less than the premium, so youthful penalties paid out of waitress and bartender tips will subsidize the unusable Obamacare health policies for the poor adults who are not thrown into Medicaid, which confiscates their assets, if any.

Obamacare benefits only two classes of people. It benefits employers who drop their employees working hours below the hours specified for Obamacare coverage, and it benefits the insurance companies or the IRS who collect the premiums and penalties.

Many of the people who pay the premiums wont be able to use the policies because of co-pays and deductions.

The very poor with no assets might receive health care if they reside in states that accept the Medicaid provisions of Obamacare.

In 21st century America, the few people who have experienced income gains are the executives and shareholders of firms who offshored their production for US markets, Wall Street which makes bets covered by the Federal Reserve, and the military-security complex which has been enriched by the neoconservatives’ wars.

Every other American has lost.



Liberals in state of shock as they realize free health care was another Obama fairy tale

By PF Louis
Natural News
October 13, 2013

Finally, though too late, the chickens have come home to roost for many Obama supporters and apologists.

It isn’t from the endless invasions and occupations, Wall Street bailouts, drones, increased gestapo security measures, NSA or several other corrupt episodes swept into the memory holes of mainstream media.

Nope. The WAKE-UP CALL that has many on the other side of the aisle saying “I told you so” is Obama’s “Affordable Care Act” insurance premium price hikes for those whose private plans are now more expensive than before.

Already, there have been several reports of tremendous premium hikes from Obama supporters upon enrolling for Obamacare, even though they haven’t had major health issues or medical care. They are truly shocked.

A few sample horror stories

The San Francisco Bay Area is a liberal strong-hold. But the San Francisco Chronicle came out recently with the headline “Health Insurance Shoppers Suffer Sticker Shock.”

One example they cited was SF Bay Area resident 47-year-old Shelley Ross, self employed, who was looking forward to getting a better deal through Obamacare. After registering, she lamented that “every plan is going to cost more than what I pay now, and what I pay now is ridiculous.”

Another San Francisco resident, 63-year-old John Lonergan lost his reasonably priced Kaiser Permanente plan, because it canԒt comply to Obamacare mandates. In order to maintain the same level of coverage with Obamacare that he had with Kaiser, his annual premium cost will increase by over $3,600.

In nearby San Jose, California, the San Jose Mercury News reported, Like many other Bay Area residents who pay for their own medical insurance, they were floored last week when they opened their bills.Ӕ

This paper featured Cindy Vinsons and Tom Waschura’s sticker shock. Both are Obama supporters. Vinsons annual premium bill went up $1,800, and WaschuraҒs annual premium spiked incredibly to $10,000 over what he was accustomed to paying.

Cindy Vinson explained that shes in favor of everyone having coverage, but [she] ”DIDN’T EXPECT to be the one paying for it personally.” Waschura told the Mercury News, “I really don’t like the Republican tactics, but at least now I can understand why they are so pissed about this.”

The Christian Science Monitor reported a case where the cost increase of $8900 annually for North Carolina couple Michael Yount and his wife has them considering going without health insurance.

The Younts need to be alerted about those tax penalties for not complying with their unaffordable Affordable Care Act coverage, which can be enforced by the IRS with their tyrannical police powers.

Are there real options or is it catch-22 forever?

San Francisco health insurance agent, Jeff Sher, who ironically does conceptually favor a universal plan, pointed out that “the Affordable Care Act may help those whose incomes are low enough to warrant subsidies, but most will suffer higher prices from this horribly complex and ill-designed SYSTEM."

To consider options, it’s wise to drop the foolish left-right political schism meant to keep us arguing while politicians deceive us. Both sides of the aisle house the same monster that really only wants to feed itself by catering to the so-called one percent.

So why should people go bankrupt over medical bills? And why must only the most monopolistic, dangerous and least effective medical system take the spotlight with oncologists making up to a half-million per year poisoning patients, often making them die faster than cancer can kill them?

Until a single payer-system with minimal bureaucratic complexity and overhead allows individuals coverage for so-called “alternative” medical practices instead of catering to the Medical Mafias excessive profit monopoly, it will be catch-22 forever.



The Democrats Version of Health Insurance Would Have Been Cheaper, Simpler, and More Popular
So Why Did We Enact the Republican Version and Why Are They So Upset?

By Robert Reich
October 26, 2013

House Majority Leader Eric Cantor says Republicans will seek to delay a requirement of the 2010 Affordable Care Act that all Americans obtain health insurance or face a tax penalty. “With so many unanswered questions and the problems arising around this rollout, it doesnt make any sense to impose this one percent mandate tax on the American people.”

While Republicans plot new ways to sabotage the Affordable Care Act, its easy to forget that for years they’ve been arguing that any comprehensive health insurance system be designed exactly like the one that officially began October 1st, glitches and all.

For as many years Democrats tried to graft healthcare onto Social Security and Medicare, and pay for it through the payroll tax. But Republicans countered that any system must be based on private insurance and paid for with a combination of subsidies for low-income purchasers and a requirement that the younger and healthier sign up.

Not surprisingly, private health insurers cheered on the Republicans while doing whatever they could to block Democrats from creating a public insurance system.

In February 1974, Republican President Richard Nixon proposed, in essence, todays Affordable Care Act. Under Nixon’s plan all but the smallest employers would provide insurance to their workers or pay a penalty, an expanded Medicaid-type program would insure the poor, and subsidies would be provided to low-income individuals and small employers. Sound familiar?

Private insurers were delighted with the Nixon plan but Democrats preferred a system based on Social Security and Medicare, and the two sides failed to agree.

Thirty years later a Republican governor, Mitt Romney, made Nixons plan the law in Massachusetts. Private insurers couldn’t have been happier although many Democrats in the state had hoped for a public system.

When todays Republicans rage against the individual mandate in the Affordable Care Act, it’s useful to recall this was their idea as well.

In 1989, Stuart M. Butler of the conservative Heritage Foundation came up with a plan that would mandate “all households to obtain adequate insurance.”

Insurance companies loved Butlers plan so much it found its way into several bills introduced by Republican lawmakers in 1993. Among the supporters were senators Orrin Hatch, R-Utah, and Charles Grassley, R-Iowa (who now oppose the mandate under the Affordable Care Act). Newt Gingrich, who became Speaker of the House in 1995, was also a big proponent.

Romney’s heathcare plan in Massachusetts included the same mandate to purchase private insurance. “We got the idea of an individual mandate from [Newt Gingrich], and [Newt] got it from the Heritage Foundation,” SAID ROMNEY, who thought the mandate essential for bringing the health care costs down for everyone and “getting everyone the health insurance they need.”

Now that the essential Republican plan for healthcare is being implemented nationally, health insurance companies are jubilant.

Last week, after the giant insurer Wellpoint raised its earnings estimates, CEO Joseph Swedish POINTED to the “long-term membership growth opportunity through exchanges.” Other major health plans are equally bullish. “The emergence of public exchanges, private exchanges, Medicaid expansions have the potential to create new opportunities for us to grow and serve in new ways,” UnitedHealth Group CEO Stephen J. Hemsley EFFUSED.

So why are today’s Republicans so upset with an Act they designed and their patrons adore? Because its the signature achievement of the Obama administration.

There’s a deep irony to all this. Had Democrats stuck to the original Democratic vision and built comprehensive health insurance on Social Security and Medicare, it would have been cheaper, simpler, and more widely accepted by the public. And Republicans would be hollering anyway.



Obamacare Enrollment Hits 8 Million, But Still Limiting Access To Doctors, Increasing Premiums

April 18, 2014

Yesterday, President Obama announced 8 MILLION individuals had gained health insurance through the Affordable Care Act (ACA). While the administration touted that they surpassed all previous projections, there was still missing information from those numbers. Most importantly, the administration failed to note the distinction between people that gained coverage after previously being uninsured and individuals that were replacing an existing policy.

Although the administration exceeded expectations with enrolling individuals, many are still left with unaffordable plans or limited coverage. The New York Post recently REPORTED that some patients with neurological diseases are losing their doctors under new ACA certified plans. Margaret Figuero, an Arden Heights resident of Staten Island, has now lost access to her doctors, which leaves her unable to get prescriptions for her medication. Figuero, who has had four brain operations, enrolled in a new EmblemHealth insurance program as required by the ACA. According to The Post, After paying her premium, she received a temporary ID card. But when she went to order medication, the pharmacists said her name wasn’t in the system. And she said her doctors were not included in her new medical plan.

In addition, Forbes recently REPORTED that health insurance premiums are showing the sharpest increases perhaps ever. A Morgan Stanley healthcare analysis of 148 brokers showed that average premium increases are in excess of 11 percent in small group market and 12 percent in the individual market. Some states are showing increases 10 to 50 times that amount and the “increases are largely due to changes under the ACA.” According to Forbes, “The PRIOR SURVEY conducted in January also showed rates rising during the fall of 2013, but the new increases will come on top of those hikes and are even sharper.” That prior survey of 131 brokers found that December 2013 rates were rising in excess of 6% in the small group market, and 9% in the individual market. Among the states seeing the sharpest increases were Delaware at an average of 100 percent premium increase, New Hampshire at 90 percent average increase and Indiana a 54 percent average premium increase.



New Obamacare Loophole Shows Failure of For-Profit Health System: Critics
“This new rule to limit payments for needed medical procedures is a reminder of everything that is wrong with our profit-driven healthcare system.”

By Sarah Lazare
Common Dreams
May 16, 2014

The Obama administration earlier this month quietly handed the insurance industry another loophole in the Affordable Care Actinfuriating advocates for universal coverage who say this shows that an insurance-driven health system is doomed to fail.

Announced on May 2, the provision opens the door to “reference pricing,” which allows insurance companies to set a price for medical procedures. If a patient receives a treatment that costs more, he/she will simply have to pay out of pocket. The measure is slated to apply to a majority of work-based health insurance plans and exchanges under the Affordable Care Act (also known as “Obamacare"), according to the Associated Press.

Many worry that reference pricing will force patients to bear the burden of a costly and difficult-to-navigate medical system.

“We don’t need reference pricingחwe need “right pricing” under a single-payer program,” Don McCanne, M.D., senior health policy fellow at Physicians for a National Health Program told Common Dreams. “This is merely another way in which insurance companies are going to chisel down payment for care, shifting a greater share of the cost onto patients.”

“This new rule to limit payments for needed medical procedures is a reminder of everything that is wrong with our profit-driven healthcare system,” Jean Ross, RN, co-president of National Nurses United, told Common Dreams. “Rather than crack down on price gouging by hospitalssome of who set their charges as high as 12 times their costs - the administration is enacting a rule to ration care for patients.”

Critics charge that the ruling even violates one of the Affordable Care Act’s key tenets: To end “lifetime and yearly dollar limits on coverage of essential health benefits.”

In its own FACT SHEET, the Department of Labor acknowledges concerns that “such a pricing structure may be a subterfuge for the imposition of otherwise prohibited limitations on coverage, without ensuring access to quality care and an adequate network of providers.”

According to Ross, “A Commonwealth Fund STUDY last November comparing Americans to 10 other developed countries found that U.S. adults are by far the most likely to not get the treatment their doctor recommends, as well as forgoing doctor visits or filling prescriptions, because of the high cost. All that this rule will do is increase those medical disparities and further brand our dysfunctional healthcare system as one based on ability to pay rather than on patient need.”



Obamacare Forcing Healthcare Into Death Spiral

By Victor Thorn
American Free Press
January 22, 2016

his year, the PATIENT PROTECTION AND AFFORDABLE CARE ACT, commonly called the Affordable Care Act (ACA) or Obamacare, will be fully implemented. Though proponents tout its benefits, such as coverage for those with preexisting conditions, Obamacare has been devastating to middle-class workers and small businesses across the country.

During the third Democratic debate, held on December 18, 2015, ABC News moderator MARTHA RADDATZ provided some shocking statistics for all Americans to mull. Since the ACA became law in 2010, those with private health insurance have seen costs rise 27%, deductibles increased by 67%, and prescription drug prices have shot through the roof.

To test the veracity of her statements, on December 23, 2015, AMERICAN FREE PRESS interviewed Lonnie Dockins, the sole owner of a small western Pennsylvania landscaping business.

When asked if hes seen an increase in his health insurance costs, Dockins replied: “That’s easy to answer, and I can back it up with numbers. I have an excellent gold plan with maximum benefits, and for the upcoming year this policy will rise from $640 per month to $760 per month. Four years ago, right after Obamacare became law, I was paying $300 per month.”

Dockins continued: I performed a spreadsheet on every expense for my business over the past four years. Healthcare went up like Mount Everest compared to every other cost. That means because of Obamacare and the impact itӒs had on private health insurance costs, Ive taken a $5,500 per year pay cut.Ҕ

When this reporter reminded Dockins that Obama promised a $2,500 annual decrease in health insurance costs for average Americans, he snapped: As soon as Obamacare was passed, every person I know started seeing a sickening rise in their insurance costs. ItӒs an upside-down world. Money is being taken from people who work and given to those who dont. Why are we penalizing workers to subsidize those who arenҒt productive? Obama is making the opposite happen to what he should be doing.

In terms of the near future, Dockins predicted: ԓInsurance companies intend to make quality plans such as minethose with full benefits and no deductiblesחso expensive that people will no longer be able to afford them. Likewise, employers will only offer their workers cheap, crappy policies that dont cover anything. If someone happens to get really sick, theyҒre screwed.

On January 5, AFP also contacted Jackson Billings, co-owner of a small manufacturing facility in northwest Pennsylvania.

Billings stated: ԓBecause healthcare coverage has become so burdensome, our company no longer offers family insurance plans to our employees. The reason why is price.

Confirming what Dockins previously said, Billings emphasized: ԓIts rumored that in the next couple of years, small businesses like mine wonҒt even make healthcare benefits available. That means everyones cut loose and on their own. IҒve been with this company for 19 years, and ever since Obamacare kicked in, its been a nightmare in terms of health insurance.Ҕ

Dockins summed it up best: People who work and pay for their own healthcare canӒt afford to visit doctors anymore, yet those living in Section 8 housing, refugees, illegal aliens, and blacks on welfare can. I know this issue better than almost anyone because the money keeps being taken out of my pocket and given to people who dont contribute to society. I guess thatҒs what Obama ultimately wants.


On November 19, 2015, after losses of hundreds of millions of dollars on the program, Stephen Hemsley, CEO of UnitedHealthcare, stated that his company may pull out of Obamacare entirely by 2017.

“We cannot sustain these losses,” Hemsley told analysts on a conference call. “We can’t really subsidize a marketplace that doesnt appear at the moment to be sustaining itself.”

As the nations largest health insurer, this news caused panic among other Obamacare participants such as Aetna, Anthem, Cigna, and Humana. Hemsley explained that since enrollment in Obamacare has been much weaker than anticipated, UnitedHealthcare has lost $500 million over the past two years.

ғIf one of the largest and presumably, by reputation and experience, the most sophisticated of the health plans out there cant make money on the exchanges, then one has to question whether the exchange as an institution is a viable enterprise,Ҕ an analyst at Mizuho Securities said.

One of the primary factors for low enrollment is cost. Despite Obamas rhetoric, according to a November 1, 2015 article by Richard Pollock, a reporter for the politically conservative news and opinion website The Daily Caller, ғObamacare premium costs will soar 20.3% on average in 2016 instead of the 7.5% increase claimed by federal officials. In states such as Utah, Tennessee, and Illinois, rates are expected to jump by 30-40%.

This data was alluded to on October 27, 2015 by Dr. Omar Hamada, a former Tennessee Medical Association board member.

Hamada revealed: ԓI see no end in sight for increasing insurance costs as long as Obamacare is the law of the land. Since becoming law, Obamacare has forced costs to skyrocket every single year.

Part of the problem stems from a practice that largely foiled ObamaԒs green energy program. Namely, due to rampant crony capitalism, millions of dollars were back-doored to Obamas biggest political donors. In addition, on top of funds being unlawfully misdirected, favored executives with little experience in the healthcare field were paid obscene salaries.

As a result, a large number of co-opsҗthe backbone of Obamacarehave gone belly up.

When compounded with UnitedHealthcareגs potential decision to abandon Obamacare, all of these factors could lead to a death spiral that many critics predicted years ago.

On December 1, 2015, the digital news, news analysis and opinion publication The Fiscal Timess Eric Pianin provided this analysis: ғObamacare enrollment projections for the coming year are substantially down to 10 million, the projected cost of premiums and out-of-pocket costs are up, and nearly half of the insurance co-ops associated with the program are going out of business.

If thatԒs not enough, Pianin predicted that more than 40% of facilities providing healthcare services will flee Obamacare. Obviously, that means fewer physician options for those in need of medical care.

Not surprisingly, these consequences most affect the elderly, especially those still in the workforce.

On December 22, 2015 AFP spoke with Patrick Post, vice president of membership at the Washington, D.C.-based National Small Business United, the nationӒs first small-business advocacy organization, according to its website.

ԓChanges made within Obamacares laws are age-rated,Ҕ said Post. Since most business owners are older, a changing rate structure now means that their personal insurance costs are substantially higher. This problem is significant because healthcare plans are becoming too expensive for senior business owners to afford.Ӕ

Post mentioned one other blemish on Obamacare: Since employers are forced under federal law to provide healthcare if they have over 50 employees, our members say that this number has been a disincentive to hiring more workers. They wonӒt go over the 50 threshold because Obamacare is such a huge cost of doing business.


uring his first term in office, operatives within the Obama White House unleashed Internal Revenue Service (IRS) officials like Lois Lerner on tea party members and other conservative groups. Today, their sights are set on small businesses.

To understand this agenda, on December 22, 2015 AFP reached out to Jack Mozloom, media director for the National Federation of Independent Business, a small business advocacy group headquartered in Washington, D.C.

Mozloom offered this analysis: “One of this administration’s strategies was to slow walk Obamacare. They rolled it out in stages so as to delay the amount of burdensome provisions until after the 2014 midterm elections. That way, people wouldn’t so easily notice the terrible effects its had on dampening small businesses.”

Mozloom then exposed a little-known move that could cripple many small businesses.

“In July 2015, Obamacare specified what types of healthcare plans a business must offer,” he said. “Here’s the catch. Lets say an employer can’t afford buying group insurance. Instead, he reimburses each worker $2,000 to buy their own private insurance. Such a move is now illegal according to rules imposed by the IRS on July 1, 2015.”

Providing critical details, Mozloom added: “The penalty for violating this regulation is much higher than the fine for not providing insurance. In fact, the IRS fine on businesses is $100 per day per worker. That equals approximately $25,000 per employee. It’s a punishment imposed on businesses for doing exactly what Obamacare proponents said they wanted employers to do, which was to insure workers. I can’t think of anything more preposterous.”

When this reporter compared this regulation to economic blackmail, Mozloom agreed, stating: ԓObama and the IRS wont let small businesses find any way around their system. ItҒs onerous and crazy, particularly since many small business owners arent even aware of the ramifications.Ҕ

Mozloom clarified another issue that is complicating matters. An extraordinary amount of time and resources are being wasted on deciphering the ins and outs of Obamacare,Ӕ he said. Small businesses must now hire private accountants to figure it out. TheyӒre being forced to squander uncounted hours to be compliant, which of course piles on top of the extra costs already associated with this law.

Pointing a finger of blame, Mozloom declared: ԓThe Obama administration pretends to like small businesses more than large corporations, but thats a lie. Many fees and taxes arenҒt assessed on huge companies like Apple, only small businesses. Worst of all, healthcare choices have actually gone down, not up, for small businesses. Basic policies are now gone. Theyre no longer a legal option. So, employers must shell out more money on so-called ґCadillac plans. Even Hillary Clinton admitted its failures. During a recent public appearance, she conceded that one of the effects of Obamacare was to not encourage employment. Businesses are shedding full-time workers because Obamacare punishes them for having these assets.Ҕ

In conclusion, Mozloom warned: None of the promises concerning Obamacare will materialize in 2016. Rather, more of its costs and disadvantages will become clear this year. Most of the losers for Obamcare will be small business owners because of higher costs and premiums, narrower networks, collapsing insurers, and no improvement to the quality of American healthcare. Really, though, who would have thought the results would be any different except for academic theorists like Jonathan Gruber and Cass Sunstein?Ӕ