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Serfs Up – Average Healthcare Premiums Have Soared 39%-56% Post Obamacare

Tyler Durden's picture


Submitted by Mike Krieger of Liberty Blitzkrieg blog,

It’s been a couple months since I last updated readers on the epic disaster that is Obamacare. In case you need a refresher, here is the last article I published on the law: Computer Security Expert Claims he Hacked the ObamaCare Website in 4 Minutes.

Moving along, we now have some details on the average premium increase for non-Obamacare health plans following the implementation of the law, and the results are not pretty. According to a cost report from eHealthInsurance, premiums have increased by between 39%-56%.

More from The Washington Examiner:

Americans buying health insurance outside the new Obamacare exchanges are being forced to swallow premiums up to 56 percent higher than before the health law took effect because insurers have jumped the cost to cover all the added features of the new Affordable Care Act.


According to a cost report from eHealthInsurance, a nationwide online private insurance exchange, families are paying an average of $663 a month and singles $274 a month, far more than before Obamacare kicked in. What’s more, to save money, most buyers are choosing the lowest level of coverage, the so-called “bronze” plans.


In California, for example, some families are paying a high of $2,604 a month and in New York, $1,845.


His firm’s price index also gives an average age for singles buying plans, and the results are worrying for insurers and the Obama administration. That’s because the average age is 36, older than the administration had hoped for.

The demographic issue is a huge ticking time bomb, something I previously highlighted in my piece: Humana Warns of “‘Adverse ObamaCare Enrollment Mix.”

Moving along, while we are well aware of the financial disaster Obamacare represents for those not participating, what about those who are in (or at least think they are in) the program?

Let’s look at the story of one Las Vegas man who paid his Obamacare premiums since November yet remains uncovered and now has a $407,000 hospital bill nobody is covering.

From the Review Journal:

The hospital bills are hitting Larry Basich’s mailbox.


That would be OK if Basich had health insurance. But he doesn’t.


Thing is, he should be covered. Basich, 62, bought a plan through the state’s Nevada Health Link insurance exchange in the fall. He’s been paying monthly premiums since November.


Yet the Las Vegan is stranded in a no-man’s-land where no carrier claims him, and his tab is mounting: Basich owes $407,000 for care received in January and February, when his policy was supposed to be in effect. Instead, he’s covered only for March and beyond.


Basich has begged for weeks for help from the exchange and its contractor, Xerox. But Basich’s insurance broker said Xerox seems more interested in lawyering up and covering its hide than in working out Basich’s problems. Nor is Basich the only client facing plan-selection errors through the exchange, she added.


Weeks ticked by, but Basich received nothing to confirm he had insurance. Nevada Health Link kept telling him he was enrolled, but UnitedHealthcare said he wasn’t in their system.


Basich’s predicament went critical on Dec. 31, when he had a heart attack. His treatment, which included a triple bypass on Jan. 3, resulted in $407,000 in medical bills in January and February that no insurer is covering.


Though Basich’s problem is exceptional for its dollar value, his situation is not unusual, Burch said. She estimates that of nearly 200 Branch Benefits Consultants client sign ups via Nevada Health Link, only 5 percent have gone through problem-free. More than 20 customers have the same plan-selection issue as Basich. One gave up trying to fix it and is sticking with the plan the exchange put her in.

Serfs up suckers!


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Wed, 03/19/2014 - 16:36 | 4569372 Motorhead
Motorhead's picture

Change, bitchez!

Wed, 03/19/2014 - 16:42 | 4569396 OldPhart
Wed, 03/19/2014 - 16:44 | 4569401 smlbizman
smlbizman's picture

according to bachman turner aint seen nothing yet....

Wed, 03/19/2014 - 16:47 | 4569417 Shocker
Shocker's picture

Healthcare Insurance has always been expensive, but now we can expect even higher premiums.

In this economy it will hurt alot more.

Layoff / Closing List:


Wed, 03/19/2014 - 17:04 | 4569505 Looney
Looney's picture

We are getting more and MOAR exceptional… What the fuck is happening to our country?


Wed, 03/19/2014 - 17:12 | 4569532 DoChenRollingBearing
DoChenRollingBearing's picture



Blue Cross Blue Shield went up for us about 15% about 5 months ago.

We are expecting a hike of 20% very soon, total approximate hike: 38% in one year!  "We are about 60."  Our typical insurance hikes were typically 13% - 15% in one year.

Wed, 03/19/2014 - 17:27 | 4569583 Kirk2NCC1701
Kirk2NCC1701's picture

Much higher Deductibles too.

If they're gonna go all socialist, then they might as well go full-bore and also impose wage & price control on meds, test, doctors and hospitals.

But that wouldn't suit Wall St. or the bank's FRB, now would it? They both need ever-increasing investment and debt levels, don't they, as the ONLY way to keep the fiat-Dollar Ponzi going.

Wed, 03/19/2014 - 18:38 | 4569813 macholatte
macholatte's picture


go here and see the deductable....... it's a killer.

no wonder that guy had a heart attack


from ZH

Obamacare Calculator

If you want to do your own research, the Kaiser Family Foundation has a handy calculator that lets you enter your age, state and income level, and get an estimate for the monthly cost of enrollment.

Wed, 03/19/2014 - 19:32 | 4569915 TruthInSunshine
TruthInSunshine's picture

It's NOT the MONTHLY PREMIUMS that are the main problem.

It's the ANNUAL DEDUCTIBLE that will be the mind bomb for most enrollees. The premiums are the monthly fixed payment made each month, and even assuming ZeroCare was running smoothly (which it isn't, of course), the deductibles on most single plans for silver coverage are around $6,600 per year, and $12,000 to $18,000 for family deductibles. This is for the mid level coverage (silver).

In other words, multiply the monthly fixed premium by 12 (12 months), and then subtract that from the ANNUAL DEDUCTIBLE, and that will be the REMAINING CASH GAP DUE before anyone under a single plan or family plan received a dime of "insurance coverage."

So, if a family deductible under a ZeroCare plan is $14,500 annually, that family is going to be paying 100% out of pocket for ANY medical care unless and until they have expended $14,500 out of pocket, including monthly premiums paid, IN EVERY AND EACH CALENDAR YEAR, before the somewhat awful reimbursement levels of ZeroCare START TO KICK IN. If their monthly premiums are $600, and it's May, they've only paid $3,000 of their $14,500 annual deductible. They would have had to pay the full $14,500 to be able to receive ZeroCare payment or reimbursement for any medical care/procedures.

And as far as tax subsidies are concerned, any single ZeroCare enrollees get NO subsidies whatsoever if they earn a gross income of $31,700 or more per year, and few if any families will receive any subsidies/credits whatsoever if their total household income is greater than roughly $47,000 (based on research done by The Kaiser Family Foundation, a non-partisan entity that has a website where one can plug all the figures into their calculator).

People are upset now, given the botched administration & roll out of this disaster, and the cost of the monthly premiums.

Just wait until they discover what their out of pocket deductibles are prior to being able to receive 1 penny of actual "coverage."


It's going to be an EPIC, HISTORICAL DISASTER.

Wed, 03/19/2014 - 20:20 | 4570130 krispkritter
krispkritter's picture

+14,500...disaster barely scratches the surface of this monstrosity.  It will fail, in spectacular fashion, and as intended.  Eventually .Gov, the NSA, etc. will have you nailed from cradle to grave, nose to colon, and everything in-between, just as they want it. It will take a tidal-wave of dissent to remove the yokes and the chances of that are pretty slim given the brain-washing in place in everyday life.  I do not look forward to the future given today's environment.

Wed, 03/19/2014 - 20:31 | 4570160 TruthInSunshine
TruthInSunshine's picture

I am on crappy smart phone now so forgive grammar/spelling.

Think about this -

How many young people can afford to pay $200 to $300 per month for just the premium, with annual deductible of $6,800 approx?

IOW, if a 28 year old has paid his/her premium of $250 per month for silver coverage through May, and then has a medical problem, they've only paid $1,250 of $6,800 annual deductible, meaning they could get whacked with a one time bill of as much as $5,550 cash due, and then, only be reimbursed thereafter at certain percentages for further medical care for the rest of the 7 months of the year.


Wed, 03/19/2014 - 20:36 | 4570175 Richard Chesler
Richard Chesler's picture

Anyone know what old people taste like? Is the meat hard?


Wed, 03/19/2014 - 21:18 | 4570325 macholatte
macholatte's picture

Check your numbers Sunshine.

One of us is misinterpreting the costs.

Plan A:   premium + deductable = gross annual cost 

(the deductable does NOT include the premuim)


Plan B:   deductable - premium = gross annual cost

(the deductable does include the premuim)


Which is it?


I have always loved truth so passionately that I have often resorted to lying as a way of introducing it into the minds which were ignorant of its charms.

Giacomo Casanova


Thu, 03/20/2014 - 06:31 | 4571554 GetZeeGold
GetZeeGold's picture



Where oh where have the Obamacare cheerleaders gone? 

Oh where oh where could they be?


Embrace the doom bitchez!

Wed, 03/19/2014 - 20:28 | 4570151 sunnyside
sunnyside's picture

I might be wrong (ask my ex-wife), but I didn't think premiums counted against the deductible.

Wed, 03/19/2014 - 20:32 | 4570165 TruthInSunshine
TruthInSunshine's picture

I thought they did, but it wouldn't shock me if not.

Thu, 03/20/2014 - 07:32 | 4571624 skipjack
skipjack's picture

You are not wrong, ex-wife to the contrary :)  The premiums must be paid just to have the privilege of paying the deductible before your plan kicks in with 70-80% of coverage, leaving you with 20-30% of the bill. Apply that to the guy in Nevada, and a $6800 deductible plus (rounding) 20% of $410k leaves him with bills of $88,800 to pay out of pocket. Then add the fact that his heart attack came at the end of December, and he's now into the next year's deductible. Add another $6800 onto his tab for a nice January total of $95,400. And that's not including his premium payments.


Why bother with insurance ? The guy will never pay the $88k and counting with follow-up care adding more $$. He'll have another heart attack when he gets his bill WITH insurance applied.

Thu, 03/20/2014 - 04:49 | 4571469 Kobe Beef
Kobe Beef's picture

damn. If I still lived in the USSA, I'd join the FSA. Once these premiums kick in, you won't have a choice. Goodbye middle class, goodbye small business, goodbye workers. Forward USSA!

Wed, 03/19/2014 - 17:31 | 4569606 NoDebt
NoDebt's picture

I said it before and I'm more convinced than ever:  real people are going to start DYING because of Obamacare

Oh, and Xerox being in the middle of this I.T. disaster doesn't surprise me at all.  They're WORSE than that stuid Canadian political patronage company that fucked up the federal exchange.

Me?  Well, when my wife's company finally gets smart and dumps health coverage (which the whole family is on) I'm not buying a policy untill somebody gets deathly ill or injured.  Can't be turned down for a pre-existing condition and you don't have to pay the fine because it can only be taken from your refund (which I never have) plus next year's tax form will have a handy "get out of paying the penalty" box that you can check off for a "hardship" situation (without verification by the IRS).  Done and done.

Wed, 03/19/2014 - 19:44 | 4570014 A Nanny Moose
A Nanny Moose's picture

 "real people are going to start DYING because of Obamacare"

Yup. Just another Great Leap Forward/5 Point Plan/Great Society.

Wed, 03/19/2014 - 19:46 | 4570019 BlindMonkey
BlindMonkey's picture

Don't look to Vegas for an answer. Xerox runs all of MGM's IT...

Wed, 03/19/2014 - 17:40 | 4569638 Stoploss
Stoploss's picture

We use Black Cross Gold Shield, because it is the cheapest available.  We never use it anyway.

Wed, 03/19/2014 - 18:17 | 4569742 new game
new game's picture

mine hasn't went up at all-hehe...

Wed, 03/19/2014 - 19:44 | 4570013 BlindMonkey
BlindMonkey's picture

And exactly how in the fuck a 15% yoy increase is OK? This shot is going super-critical in a hurry.

I used to work for BCBSFL a few years ago. They lobbied and made damn sure they would be fine. My friends that are still there are super stressed and say that it sucks to work there even as the salaries and bonuses have never been larger.

Welcome to the new normal bitchez.

Wed, 03/19/2014 - 19:40 | 4570003 A Nanny Moose
A Nanny Moose's picture

What country? The Former USA?

"Ours?" Hardly. We are just tax livestock.

Wed, 03/19/2014 - 17:02 | 4569494 Anusocracy
Anusocracy's picture

Everything government touches turns to crap.
- Ringo Starr

Unfortunately only about one in a hundred understands that.

Wed, 03/19/2014 - 17:13 | 4569537 DoChenRollingBearing
DoChenRollingBearing's picture

Be charitable!  My guess would be around 5% - 8%.

Wed, 03/19/2014 - 17:15 | 4569543 McMolotov
McMolotov's picture

"I'd like to be under the sea in an octopus's garden in the shade, but I have to work two part-time jobs to pay for health insurance."

Wed, 03/19/2014 - 17:33 | 4569612 Kirk2NCC1701
Kirk2NCC1701's picture

Let's see: If "Octo" in Octopussy means "eight", then you'd like to be in the garden of eight... ?

How about a Hexapussy's Garden, so you can rest on the seventh day? ;-)

Wed, 03/19/2014 - 17:28 | 4569587 Anusocracy
Anusocracy's picture

You're probably right.

Some people may understand it but still want government.

Wed, 03/19/2014 - 18:03 | 4569708 Miss Expectations
Miss Expectations's picture

Michelle, ma belle...

-Paul McCartney

Wed, 03/19/2014 - 20:30 | 4570158 sunnyside
sunnyside's picture

"Why does it hurt when I pee?

-Frank Zappa

Wed, 03/19/2014 - 17:01 | 4569488 roadhazard
roadhazard's picture

"the insurance official"... lol = bogus

Wed, 03/19/2014 - 17:12 | 4569521 McMolotov
McMolotov's picture

"Anecdotal!!!" —Jay Carney

Wed, 03/19/2014 - 19:07 | 4569931 nmewn
nmewn's picture

You saying deductibles & premiums haven't skyrocketed? You sayin people have not been cancelled from policies they actually wanted, could afford and forced into higher policies?

It never ceases to fucking amaze me, lefties get their hands on something (anything) pass laws and regulate "for the good of the people" and are completely shocked that the crony-socialists on Wall Street and in the Senate have front-run the whole fucking deal and stuck YOU with the bill.

It doesn't matter if its "green energy" or "financial reform" or "affordable health care".

They're a fucking menace to society.

Wed, 03/19/2014 - 23:20 | 4570850 jeff montanye
jeff montanye's picture

lefties or righties.  it's the nature of the campaign contribution laws, imo.  

i'm not convinced the "righties" did a grand job with abortion, drug or gay sex regulation, as examples.  vietnam, iraq and afghanistan were initially the work of "righties" and not miracles of execution either.

both national parties in the u.s. are corrupt, probably beyond salvation.


Thu, 03/20/2014 - 03:35 | 4571416 OldPhart
OldPhart's picture

The only thing in your post that caught my attention was 'execution'.

All for it, let's line the politicians up.

Wed, 03/19/2014 - 17:25 | 4569576 Hayabusa
Hayabusa's picture

So the "affordable healthcare act is not affordable"... not surprised here.  It's almost as though the government is purposly trying to bankrupt everyone in preparation for the big financial reset button is hit - makes sense to me.  Mandate healthcare you know people can't afford, but label it affordable to fool them... and keep squeezing the sponge until every last bit of fiat can be extracted and once everyone is broke, hungry and angry hit the reset button tell them all "if you go along with OUR PLAN we will wipe the slate clean and start over"... it's a lot easier to procure compliance from those who have nothing left to lose with a new plan than it is with those who have a lot to lose when the reset button is hit.  Obamacare isn't about affordable healthcare for everyone, it's about paving the way for the NWO. 

Wed, 03/19/2014 - 17:39 | 4569626 f16hoser
f16hoser's picture

Affordable Care Act (ACH).... Now there's a Contridiction in Terms!!!

All you Dumb-Fucks that wanted free Health Care I hope your happy?


Wed, 03/19/2014 - 16:45 | 4569405 Beam Me Up Scotty
Beam Me Up Scotty's picture

Don't blame me.  I didn't vote for Obama and his shit policies.

Wed, 03/19/2014 - 17:14 | 4569541 DoChenRollingBearing
DoChenRollingBearing's picture

Me either, but more people here at ZH did than they are admitting..............................................

Wed, 03/19/2014 - 17:32 | 4569610 Husk-Erzulie
Husk-Erzulie's picture

If I knew that Zero would do such a good job... driving american youth to discover minarchism and anarchism, increasing gun ownership, and making lazy, self indulgent progressives feel like they just got lubed and raped by their dirty old uncle, I might have voted for him.  2 1/2 more years to hasten the end of Zio-Socialism in this country.  Keep golfing you ignorant, degenerate fuck.

Wed, 03/19/2014 - 19:46 | 4570020 Things that go bump
Things that go bump's picture

What makes you think this ends when a new resident of 1600 Pennsylvania Avenue is elected? Things are bad. They are getting worse and will continue to worsen no matter who gets the nod.

Wed, 03/19/2014 - 17:50 | 4569669 Hayabusa
Hayabusa's picture

You didn't have to vote for his policies... they were rammed through by executive order w/o anyone else's consent - over a thousand times now and counting.

Wed, 03/19/2014 - 16:47 | 4569413 drendebe10
drendebe10's picture

"If you like your insurance, you can keep your insurance."  

Wed, 03/19/2014 - 16:51 | 4569439 john39
john39's picture

if you like your debt slavery, you can keep your debt slavery.

Wed, 03/19/2014 - 17:15 | 4569545 DoChenRollingBearing
DoChenRollingBearing's picture

ONE of the above statements is true.  Guess!

Wed, 03/19/2014 - 18:24 | 4569765 nightshiftsucks
nightshiftsucks's picture

Or Obummer's favorite,if you like that dick up your ass you can keep that dick up your ass.

Wed, 03/19/2014 - 16:52 | 4569445 Berspankme
Berspankme's picture

Premium talk misses the entire issue. The issue in america iswhy does it cost $407,000 for heart surgery. Obamacare is an argument about who pays the bill.The problem is the bill itself. Fuck the entire healthcare/pharma and insurance industry

Wed, 03/19/2014 - 17:05 | 4569513 Zerozen
Zerozen's picture


Wed, 03/19/2014 - 17:49 | 4569667 gafgroocK
gafgroocK's picture




Nice try on the Strawman, Berspankme, but no one is buying your shit...

Wed, 03/19/2014 - 19:53 | 4570040 Berspankme
Berspankme's picture

Not a strawman Murf. Until we get the cost out of this monopolized monstrosity of a sick care system, the rest is meaningless talk. The bloated hospitals, pharma companies and entire medical complex created this disaster. 90% of healthcare shouldn't even require insurance payments. Watch the prices fall.

Wed, 03/19/2014 - 23:30 | 4570904 jeff montanye
jeff montanye's picture

for not the first time, u.s. healthcare costs at least twice that of all other advanced economies and gets worse results, on average.  for starters.

Wed, 03/19/2014 - 23:45 | 4570972 StychoKiller
StychoKiller's picture


The bloated hospitals, pharma companies and entire medical complex created this disaster.


Nay, you can blame LBJ and Medicare/Medicaid for skyrocketing costs!  Like any other Govt subsidy, you get more of what you subsidize.  In this instance, the Govt is subsidizing sick people (that have no way of paying their fair share!)

Someone's gotta pay their way, guess who?


Wed, 03/19/2014 - 19:55 | 4570042 A Nanny Moose
A Nanny Moose's picture

"The issue in america iswhy does it cost $407,000 for heart surgery."

Simple. Government doing what it does best...fucking things up by stifling competition with onerous regulation. Why are computers, bewb jawbs, cell phones, and Lasik, so cheap?

Wed, 03/19/2014 - 21:28 | 4570379 FredFlintstone
FredFlintstone's picture

You have my vote sir.

Wed, 03/19/2014 - 16:53 | 4569450 Ban KKiller
Ban KKiller's picture

Change plan: Get out of Wall Street, close down all IRAs,etc., liquidate all accounts to cash. 

Buy PM ( sucker play? Well not in long run, right?) Or buy farm you can work on...some hard asset. Even lots of lead products. Bricks of .22LR? 

Deplete your checking account down to under 3k. 

Be prepared just like the major religions say to be. History is full of times (Venezula, Chile, Mexico, Ukraine, etc.) when people had wished they were prepared. At least have 90 days worth of food and water. Not that hard to do...IF you study it.

Be ready to defend. Those Korean store owners with guns on their roofs? Oh yeah they KEPT their stores. Do people riot? See the above countries.

Drop out...of owning TV and cable. 

Start to grow just some of your own food. Get some chickens. Make your own beer. Expensive at first...but not for long. 

THEN become a taker! Yep, sign up for all the free stuff. "Poor" people get all kinds of good stuff if you can play the game. Just ask! People will share how to work the system.

Do all your work OFF the books and join the black market. 

Buy used whenever you can and when it makes sense. 

Stop paying your mortgage IF you are knowledgable enough to know how to fight an illegal foreclosure and you have the time. What else pays as well as fucking over the banksters? Oh, this takes real balls too. In my home for just taxes and insurance as the bank is on the run. I shit you not. Oh I do maintain the home of course. 

I have no debt so this was pretty easy...

In this way we can bring the current system of corruption down. 

Captain Obvious, aka, hypocrite bitch in action! 

Wed, 03/19/2014 - 17:23 | 4569572 SilverRhino
SilverRhino's picture

I work the Information Security market ... these people think off the books is right up there with Satanic Invocation.   

Wed, 03/19/2014 - 16:56 | 4569468 Berspankme
Berspankme's picture

You mean a punk, gay thug communtiy organizer from Shitcago and his cronies couldn't solve a problem? Shocked I tell you

Wed, 03/19/2014 - 16:37 | 4569375 Quinvarius
Quinvarius's picture

Obama honeybadger don't care.  He is busy working on his next big project, WW3.

Wed, 03/19/2014 - 16:49 | 4569431 yogibear
yogibear's picture

That should take care of Odumbercare.

Wed, 03/19/2014 - 17:28 | 4569589 Hayabusa
Hayabusa's picture

How can you equate Obama with the fearless, tenacious, honeybadger?  Quit insulting honeybadgers dammit!!

Wed, 03/19/2014 - 19:57 | 4570055 A Nanny Moose
A Nanny Moose's picture

How does one word that on a resume?

Wed, 03/19/2014 - 16:38 | 4569377 TheRideNeverEnds
TheRideNeverEnds's picture


Wed, 03/19/2014 - 16:39 | 4569382 El Vaquero
El Vaquero's picture

Governments love boondoggles. 

Wed, 03/19/2014 - 16:40 | 4569383 BandGap
BandGap's picture

Worse than painful rectal itch.

Wed, 03/19/2014 - 16:40 | 4569384 Jack of All Trades
Jack of All Trades's picture

If you like bankruptcy you can keep your plan


Wed, 03/19/2014 - 16:40 | 4569386 headhunt
headhunt's picture

I am so shocked by this.

Wed, 03/19/2014 - 16:42 | 4569392 AmericasCicero
AmericasCicero's picture

Future unperson right there

Wed, 03/19/2014 - 16:49 | 4569393 Carl Popper
Carl Popper's picture

Obamacare has added ten percent more patients to my schedule. It is no shittier than any other insurance I accept.

 They are all silver plan and above and heavily subsidized.  Most pay 50 bucks a month or less.  This population is just a few hundred dollars a year higher income than would qualify for medicaid.   Their copay for meds is just a couple of bucks 

Just wait until they announce premiums for next year. It will be an average of 50 percent increase.

I have no idea where the money is going because they pay very little.

We are all serfs now.

Wed, 03/19/2014 - 16:50 | 4569436 Long-John-Silver
Long-John-Silver's picture

It will be an average of 50 percent increase.

You must be an Optimist or you're short a zero. I think it's going to be a 500% increase.

Wed, 03/19/2014 - 17:20 | 4569560 Carl Popper
Carl Popper's picture

They will try to hide the inflation by limiting portion sizes, smaller formularies, smaller physician panels, less access to specialists and tests and procedures.  


I stand by the consensus estimate of only a 50 percent inflation in premiums. 


Suck it up, bitchez.

Wed, 03/19/2014 - 18:36 | 4569806 BigDuke6
BigDuke6's picture

Hedge funds and cheesepopes own the insurance industry


there is your answer

Thu, 03/20/2014 - 04:58 | 4571474 Kobe Beef
Kobe Beef's picture

yup. And they own the government.

Wed, 03/19/2014 - 16:43 | 4569397 Sofa King Confused
Sofa King Confused's picture

When will people learn. 

Wed, 03/19/2014 - 16:46 | 4569409 holmes
holmes's picture

Fuck ObozoCare. Just pay the fuckin fine - if you're due a refund on your taxes.

Wed, 03/19/2014 - 16:54 | 4569454 candyman
candyman's picture

WTF is a "refund"?

Wed, 03/19/2014 - 17:22 | 4569565 WTFx10
WTFx10's picture

Or lie to the question . Does everyone in your houshold have health insurance?

The government has a monopoly on alot of things but lying ain't one of them.

Wed, 03/19/2014 - 16:47 | 4569414 Rainman
Rainman's picture

No more wasteful death panels. Go straight to gone.

Wed, 03/19/2014 - 16:49 | 4569419 NOTaREALmerican
NOTaREALmerican's picture

Finally,  enough of the Fed.   Let's get back to what counts.  

Get a goddamn job you losers.  I never got nothin' from da government, i worked my entire goddamn life and I'm entitled to dis goddamn motorscooter you goddamn hippy socialists!

Wed, 03/19/2014 - 16:54 | 4569455 Ban KKiller
Ban KKiller's picture

See my post below...

Long duct tape. 

Wed, 03/19/2014 - 16:47 | 4569420 corporatewhore
corporatewhore's picture

keep cool my babies.

this will self implode soon. very soon.

Wed, 03/19/2014 - 16:52 | 4569444 NOTaREALmerican
NOTaREALmerican's picture

If so, it will be replaced by rolling everybody into Medicare.

Once the system gets going it's tough to stop.

Wed, 03/19/2014 - 17:40 | 4569633 Carl Popper
Carl Popper's picture

It will be ten years or more if ever before medicare for all is seriously contemplated.  Healthcare is 17 percent of the economy.  There are too many powerful interests in favor of the status quo.   Our conservative american culture won't advocate for it either. 


It took a world war to get socialist healthcare in Europe, the land of starry eyed socialists. 

Wed, 03/19/2014 - 16:56 | 4569464 Carl Popper
Carl Popper's picture

No it won't.  


We are in for many many years of tinkering around the edges.  Higher premiums, more restrictive formularies, less access to specialists.   Less access to tests and procedures. 


We will end up with an expensive and inefficient individual market that is identical to medicaid.  


We working serfs deserve no better than the nonworking serfs according to the socialists. 

Wed, 03/19/2014 - 17:30 | 4569599 NOTaREALmerican
NOTaREALmerican's picture

A good solution would have been for each state to design their own program exactly like RomneyCare and Hawaii had.   

But, the US loves Big-Gov.   The Red-Team loves manly Big-Gov, and Blue-Team loves motherly Big-Gov and - as a result - we only get Big-Gov.   Can't expect the mommy people sit by while kick-ass daddy plays with all his Big-MIC socialist toys.

Oh well,   too late now.   Our parents should have thought about this after WW2.   It's been nothing but more centralization since 1940.

Wed, 03/19/2014 - 16:48 | 4569423 BandGap
BandGap's picture

There is a one page waiver for all of this. The single payer system is dead if you fill it out and send it in.

Wed, 03/19/2014 - 18:50 | 4569867 Tortfeasor
Tortfeasor's picture

Link or it didn't happen

Wed, 03/19/2014 - 16:48 | 4569427 The Most Intere...
The Most Interesting Frog in the World's picture

This is only the beginning...

Wed, 03/19/2014 - 16:48 | 4569428 drendebe10
drendebe10's picture

The best part is that the Congress voted to exempt themselves and their favored minions and unions from obamascare...  and the sheeple let them get away with it.... 

Wed, 03/19/2014 - 16:52 | 4569446 yogibear
yogibear's picture

Odumbercare is for the mesmerized liberals. 

Wed, 03/19/2014 - 17:00 | 4569480 NOTaREALmerican
NOTaREALmerican's picture

Re:  Odumbercare is for the mesmerized liberals. 

Who loves OldFartMedicare?

Wed, 03/19/2014 - 16:49 | 4569433 KenShabby
KenShabby's picture

Aren't all these people liars according to that faggot Harry Reid?

Wed, 03/19/2014 - 16:53 | 4569451 NOTaREALmerican
NOTaREALmerican's picture

Duplicity is how you tell the children from the adults.  

The "adults" run things.     The "children" believe in "morals".

Wed, 03/19/2014 - 16:56 | 4569465 KenShabby
KenShabby's picture

Morals? What the fuck is that? I think I read about that in a book somewhere.

Wed, 03/19/2014 - 16:53 | 4569448 drendebe10
drendebe10's picture

BTW, the cure for obamascare.... Dr. Ben Carson.

Wed, 03/19/2014 - 16:55 | 4569463 NOTaREALmerican
NOTaREALmerican's picture

I'd vote for Dr. Ben Casey - Wikipedia, the free encyclopedia

He'd have everybody fixed up in no time,  and just for a bucks or a basket of chicken eggs too.

Wed, 03/19/2014 - 16:55 | 4569460 roadhazard
roadhazard's picture

It's the insurance companies that do not want you to keep your old insurance.

Wed, 03/19/2014 - 16:58 | 4569475 NOTaREALmerican
NOTaREALmerican's picture

Re:  It's the insurance companies that do not want you to keep your old insurance.

Hey,  the insurance companies are the hard working companies that provided ALL REAL Mericans with health coverage before they were pushed out by the government and are now mostly going broke trying to pay for the pour widows and children that didn't make the death panel cuts.

Wed, 03/19/2014 - 17:03 | 4569500 roadhazard
roadhazard's picture

The insurance companies are thieves. Why the fuck do you think we are where we are now.

Wed, 03/19/2014 - 17:06 | 4569515 NOTaREALmerican
NOTaREALmerican's picture

Re:  Why the fuck do you think we are where we are now.

You must be one of them Mericans who hates Merica, and the troops.

Wed, 03/19/2014 - 17:23 | 4569570 Blues Traveler
Blues Traveler's picture

Not a real, Zerocare is a huge winfall for insurance. My insurance agent was crying like a sandy vagina about how bad oblundercare has hurt his business as he qouted me my new insruance of $409/mo w $6k deductible, bastard, that is what I called him, his new name is bastard.  Previously I was paying $88/mo with $3k deductible, not exactly 56% increase.

Wed, 03/19/2014 - 17:43 | 4569646 roadhazard
roadhazard's picture

Whatever you do don't shop around. Your agent is crying for joy because his commission just went up if you take his offer.

Wed, 03/19/2014 - 17:39 | 4569628 roadhazard
roadhazard's picture

  just your average OWS terrorist, with a big dick.

Wed, 03/19/2014 - 17:30 | 4569598 Darksky
Darksky's picture

I still want to know why there is such a thing as health insurance in the first place. Isnt insurance supposed to save you from an unlikely/catastrophic event such as causing a 10 car pileup on the interstate while texting, or your house burning down, or a hurricane/tornado etc.

Lets face the facts everyfuckingbody is going to get really sick at the end of their lives and die. Period end of story. There IS going to be a massive cancer bill (dad died of pancraetic cancer), massive heart attack bill, massive alzheimer bill, etc etc.

Why dont we all get catastrophic coverage to deal with these situations IF YOU WANT. The yearly physical/cholestrol test/prostate test IF YOU WANT to do those should be cash payments or plans that ive heard about where doctors do that stuff for like $75/month prepaid. I mean we dont demand our car insurance pay for oil changes and tires when they wear out, and IF YOU WANTED such a plan it would and should be expensive and no one in their right mind would offer the plan unless they charged enough to make a profit.

Sometimes life just sucks and shit happens and YOU die and holding a gun to a fellow citizens head and demanding they pay for YOUR end of life care is just not right.

And when i say YOU i dont mean YOU Roadhazard, just YOU in general.

Wed, 03/19/2014 - 17:40 | 4569631 NOTaREALmerican
NOTaREALmerican's picture

Re:  Why dont we all get catastrophic coverage to deal with these situations IF YOU WANT.

Sounds good, but - ya know - most people, being just slightly more proactive than monkeys, wouldn't WANT insurance until AFTER they needed it.    They'd use the money they SHOULD HAVE spent on insurance for bling: like a Chrysler 300 dick-mobile with tinted windows, oversized dumbasses tires, and a hemi engine to impress their neighbors with their dick-size.

So, because MOST people are short-term thinking assholes who then cry like babies AFTER the fact and expect "somebody" to take care of them, we have insurance (called Medicare) for these losers. 

But, as we're all Americans we pay to keep the OldFarts alive MUCH longer than they should be, instead of sticking them on an iceflow.

THAT'S what makes us a society.  Keeping the worthless OldFarts alive. 

Know any worthless OldFarts that SHOULD HAVE saved for their worthless OldAge?

Wed, 03/19/2014 - 20:07 | 4569933 Darksky
Darksky's picture

Sigh, I agree.

I just wish when people stuck out their hand for help the order of asking for help went something like this:

1) family
2) friends
3) neighbors
4) church/charity
5) local govt
6) state govt
7) federal govt

Fucking problem is the Chrysler 300 folks start at #7.

In my humble opinion, at least most our freedoms are left alone until we get to #7 on the list.

Wed, 03/19/2014 - 21:15 | 4570305 harleyjohn45
harleyjohn45's picture

Medicare you have to pay for, Medicaid is free.  I paid for Medicare for 25 years before I became 65.  Medicare is 2.65% of your working wage, it is not free.  Also your employer paid 2.65%.  Thats 5.30% of my working wage for 25 years, before I could enroll.  Some on here don't know what the fuck they are talking about.  could it be not a real American?

Wed, 03/19/2014 - 21:23 | 4570349 FredFlintstone
FredFlintstone's picture

Medicare tax is 1.45% plus employer 1.45% for 2.9% total.

Wed, 03/19/2014 - 21:19 | 4570326 FredFlintstone
FredFlintstone's picture


Wed, 03/19/2014 - 20:00 | 4570065 A Nanny Moose
A Nanny Moose's picture

Government. Insurance would not be oligopolies without government. Coercive Monopolistic behavior does not exist without government. Why do you think so?

What did the insurance companies steal? You have evidence to support your assertion, right?

Wed, 03/19/2014 - 17:09 | 4569523 Dr. Engali
Dr. Engali's picture

Of course they do, because they know Zerocare will not work. The whole damn thing depends on the most irresponsible of an irresponsible society to begin with. The majority of young people just don't give a shit about insurance that they have to pay for.

Wed, 03/19/2014 - 16:56 | 4569470 Everybodys All ...
Everybodys All American's picture

The Obama game plan to wreck this country is right on schedule. The only question is whether anyone is going to stop him.

Wed, 03/19/2014 - 16:59 | 4569479 NOTaREALmerican
NOTaREALmerican's picture

Re:  The only question is whether anyone is going to stop him.

Yeah, don't worry.   In two years the Red Team will take over and then everything will be much better,  just like it was 10 years ago.

Wed, 03/19/2014 - 17:17 | 4569551 TimmyB
TimmyB's picture

When you consider that "Obamacare" was the Team Red plan, first instituted by the Team Red candidate Romney in Massachusetts, how can you not be super excited about inevitable Team Red takeover?

Wed, 03/19/2014 - 18:16 | 4569739 Everybodys All ...
Everybodys All American's picture

I'd take ten yrs ago in a heart beat. The focus now is surviving.

Wed, 03/19/2014 - 17:00 | 4569477 ebworthen
ebworthen's picture

Just watch, the Republicrats will get a majority in the Senate next election on a wave of "Anti-Obamacare sentiment" and the Premiums will just keep going up along with the deductibles and co-pays.

The kleptoligarchy is whittling down the middle-class with a rabid fury; the politicians arguing over who gets to wield the knife.

Wed, 03/19/2014 - 17:05 | 4569509 quasimodo
quasimodo's picture

If the repubs do get the majority and don't do something I am switching party affiliation, dammit.


Wed, 03/19/2014 - 17:10 | 4569526 BandGap
BandGap's picture

Because they have to "fix" it. It's all about "saving" the middle class. What, to get more blood?

Fuck, they allowed healthcare to become a "right". Backlash in 3.....2.......1

Wed, 03/19/2014 - 17:30 | 4569478 Dr. Engali
Dr. Engali's picture

Zerocare is fine. All we need is a few death panels, and all these pesky ne'er-do-well sick people will go away.

Wed, 03/19/2014 - 17:51 | 4569673 forwardho
forwardho's picture

Just think of the massive reduction in unfunded liabilitys.


What do you mean those numbers are people?



Wed, 03/19/2014 - 20:17 | 4570114 Chaos_Theory
Chaos_Theory's picture

Just shiv every person with an Obama 2012 sticker on their car. 

Then do the same for every Romney 2012 sticker. 

Clean slate.

Wed, 03/19/2014 - 17:02 | 4569490 Chippewa Partners
Chippewa Partners's picture

If you like your Obama you can keep your Obama.........there ya go, death panels.   Don't they have those every weekend in Chicago?

Wed, 03/19/2014 - 17:02 | 4569492 TrustbutVerify
TrustbutVerify's picture

So...the idiot hipsters that voted for this disaterous president now aren't signing up for his signature legislation.  And with this clueless group making up a lot of that younger demographic people wonder why their unemployment rate is so high.  

Wed, 03/19/2014 - 17:02 | 4569493 jmcadg
jmcadg's picture

Apologies off topic, but

Trading Platform down
No fucker answering the phone

Just 'enjoying' a dry run of what is sure to come.

Got physical?

Wed, 03/19/2014 - 17:03 | 4569502 Son of Loki
Son of Loki's picture

This Obamacare has been a Nightmare for me ... it'll be easy to remember this presidency ... every time i pay my exorbitant insurance premium or go to the doctor I'll think of the Triad:; Barry, Pelosi and Reid.

Wed, 03/19/2014 - 17:05 | 4569507 rodocostarica
rodocostarica's picture

Thanks for the opportunity Mr. Obama to join in on your healthcare scam. However I am paying $1,382 per year at 58 years old for full coverage here in my new country.  I can call the hospital and just schedule a heart stress test, colonoscopy or whatever I want. I pay 20% of bill. No deductible.   half price of US prices with better doctors and total modern equipment.

(and the nurses are really cute)

I am very happy to have much better coverage and also help all your taxpayers by opting out of medicare and other free programs you offer.

Nice to know I can come back and get disability coverage whenever I would need to. Plus food stamps, and many other programs. I sleep better at night knowing I can get a bunch of free shit thanks to you. But do not think I will need it because I have been responsible in my life

I am responsible and can handle my own coverage.

Best of luck on your socialist program. And hope Michelle and the kids have a great time in China on vacation. Who is paying for that by the way?

And loved the way you handled the Russians. You are so politically smart.

Your friend and admirer


(sarc for sure ok?)

Wed, 03/19/2014 - 18:18 | 4569747 Bastiat
Bastiat's picture

Can you tell us the country? 

Wed, 03/19/2014 - 18:42 | 4569829 BigDuke6
BigDuke6's picture

Probably Australia - tons of yanks here now.

Come on down under - pay cash for your surgery in a private hospital - no q's asked.

Probably be about a quarter costs of USA and standards are higher.  Lots of Japs do this.

Australia has close to the best surgeons in the world if you are in the know.

Wed, 03/19/2014 - 18:49 | 4569863 DosZap
DosZap's picture

Top notch care, and rehab,prices for Uber major surgery 15% of USA and that incudes 2-3 mos of rehab,and servants, and a villa, INDIA's best hospitals.

Go to ANY major US hospital, 75% of the best Dr.'s are from India,Pakistan, or Israel.

Wed, 03/19/2014 - 23:47 | 4570981 CheapBastard
CheapBastard's picture

My friend went to Thailand for his hip surgeries. Here the hospital quoted him $98,000 for his hospital bill. The hospital was firm on that even though his surgeon said he would work with him and charge much less since even he thought the hospital costs were outrageous.

Anyway, he went to Thailand & had them done and total bill, doctors charges included was $19,500. That included his one month post-op therapy and he said the hopstial was super nice.

Somehting ot think about for those who need these major surgeries. He said most of the doctors were UK trained.

Wed, 03/19/2014 - 18:42 | 4569830 cmb
cmb's picture

basically any country outside of the US. 

Wed, 03/19/2014 - 17:06 | 4569514 island
island's picture

Aquaintence called me in a panic yesterday re Obamacare deadline.  This is not some math or tech savvy.  She is a healer.  Anyway - single mom, approx 38K AGI, neg net worth.   Even after a subsidy, she would be looking at about $150/month in premiums - with a $12,700 family deductible.  She has paid out of pocket up until now.  I suggested she consider taking the penalty - like millions of other people.  If she gets very sick, she'll be indigent anyway.  And bankruptcy?  What does she have to lose?

In addition, the Exchange here in WA State SUCKS.   The implementation team are a bunch of arrogant incompetents.   The phone system has wait times from 30 mins (min) to over 2 hours to talk to someone who MIGHT be able to help.

Why is government the middle-man?   Why?  Why?  Why?  Sheer idiocy.


Wed, 03/19/2014 - 17:10 | 4569525 NOTaREALmerican
NOTaREALmerican's picture

Re:  Why is government the middle-man?   Why?  Why?  Why?  Sheer idiocy.

Ask the insurance companies, they wrote the program.

Wed, 03/19/2014 - 18:22 | 4569759 Everybodys All ...
Everybodys All American's picture

and every democrat voted it through without a single republican voting for it. Damn wonder how you spin that mf'er.

Wed, 03/19/2014 - 18:45 | 4569849 Emergency Ward
Emergency Ward's picture

Seems like Hangin' Judge Roberts "voted" for it, and he is Bush's boy.

Wed, 03/19/2014 - 19:29 | 4569976 Everybodys All ...
Everybodys All American's picture

Do you realize also if your aunt had nuts she'd be your uncle?

Wed, 03/19/2014 - 17:19 | 4569557 sudzee
sudzee's picture

She should quit her job. Enjoy what the country can do for her.

Wed, 03/19/2014 - 18:19 | 4569750 island
island's picture

She is actually thinking about that.

Wed, 03/19/2014 - 21:40 | 4570429 FredFlintstone
FredFlintstone's picture

Yeh, Obamacare was sold as a program to keep people from losing their double-wide due to a medical emergency. We could of purchased a double-wide for all 50 million people who did not have health insurance and it might have been cheaper than this will end up being.

Wed, 03/19/2014 - 17:08 | 4569520 q99x2
q99x2's picture

Time for a 150 million man march on Washington D.C.!

Wed, 03/19/2014 - 17:22 | 4569568 NOTaREALmerican
NOTaREALmerican's picture

Need to schedule it around the sports schedule tho.   Need to keep our priorities straight.

Thu, 03/20/2014 - 05:08 | 4571483 Kobe Beef
Kobe Beef's picture

I'm bringing gasoline cans. Suggest we all do the same. Happy August 24th!

Wed, 03/19/2014 - 17:14 | 4569540 infinity8
infinity8's picture

The health insurance/sickcare system is already dying. Lots of MDs figuring out that they can do just fine (or better) dealing with the people (patients) they provide services to vs. the ins. cos. Most of them are smart but they went to med school, not business school. But they're getting there. Just like DDS. For you young ones - dental coverage used to be (almost) a given. That started changing in the 90's, just when grill expectations started changing. People care enough about their teeth (and want them to be bleached and straightened to perfection) that dental practices employ people to work up front w/patients and decide what work for how much and what payment plan. Shop around. Now THAT is hope and change!

Wed, 03/19/2014 - 17:16 | 4569548 Ariadne
Ariadne's picture

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Thu, 03/20/2014 - 10:32 | 4572175 Ariadne
Wed, 03/19/2014 - 17:17 | 4569553 Cannon Fodder
Cannon Fodder's picture

slightly off topic... but related in the context of inflation..

Earlier I was complaining about the cost of homes in my area. For the first time in a long time, I just looked at apartment rental prices... wow, I was shocked.... there is massive inflation out there.

How else do you explain $900 for a studio and $1100 for a 1 bedroom? That is the lowest price I could find on the whole southern end of the city where I live...

How are people supposed to afford to live these days between home cost and health insurance?!?!?!?

Wed, 03/19/2014 - 17:26 | 4569575 headhunt
headhunt's picture

They are deflating your paycheck by inflating your daily living expense - rent, gas, food, etc.

This deflation is planned in an effort to reduce the massive interest expense paid on our Fed debt.

They are stealing your income and your savings as a means to redistribute your wealth and hold debt inflation down.

They promise only to put it in a little bit - honest.

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