One Angry American Rages: "Obama Lied, My 4th Health Plan Just Died"

Authored by Michelle Malkin via,

Cue the funeral bagpipes. My fourth health insurance plan is dead.

Two weeks ago, my husband and I received yet another cancellation notice for our private, individual health insurance coverage. It's our fourth Obamacare-induced obituary in four years.

Our first death notice, from Anthem Blue Cross and Blue Shield, arrived in the fall of 2013.

The insurer informed us that because of "changes from health care reform (also called the Affordable Care Act or ACA)," our plan no longer met the federal government's requirements.

Never mind our needs and desires as consumers who were quite satisfied with a high-deductible PPO that included a wide network of doctors for ourselves and our two children.

Our second death knell, from Rocky Mountain Health Plans, tolled in August 2015.

 That notice signaled the end of a plan we didn't want in the first place that didn't cover our kids' dental care and wasn't accepted at our local urgent care clinic. The insurer pulled out of the individual market in all but one county in Colorado, following the complete withdrawal from that sector by Humana and UnitedHealthcare.

Our third "notice of plan discontinuation," again from Anthem, informed us that the insurer would "no longer offer your current health plan in the State of Colorado" in August 2016.

With fewer and fewer choices as know-it-all Obamacare bureaucrats decimated the individual market here and across the country, we enrolled in a high-deductible Bronze HSA EPO (Health Savings Account Exclusive Provider Organization) offered by Minneapolis-based startup, Bright Health.

Now, here we are barely a year later: Deja screwed times four. Our current plan will be discontinued on Jan. 1, 2018.

"But don't worry," Bright Health's eulogy writer chirped, "we have similar plans to address your needs."

Riiiiight. Where have I heard those pie-in-the-sky promises before? Oh, yeah. Straight out of the socialized medicine Trojan horse's mouth. "If you like your doctor," President Obama promised, "you will be able to keep your doctor. Period. If you like your health care plan, you'll be able to keep your health care plan. Period. No one will take it away. No matter what."

Is pathological lying covered under the Affordable Care Act?

Speaking of Affordable Care Act whoppers, so much for "affordable." Our current deductible is $6,550 per person; $13,100 for our family of four. Assuming we can find a new plan at the bottom of the individual market barrel, our current monthly premium, $944.86, will rise to more than $1,300 a month.

"What's taking place is a market correction; the free market is at work," says Colorado's state insurance commissioner, Marguerite Salazar. "(T)his could be an indication that there were too many options for the market to support."

This presumptuous central planner called federal intervention to eliminate "too many" options for consumers the free market at work. Yes, friends, the Rocky Mountain High is real.

This isn't a "market correction." It's a government catastrophe. Premiums for individual health plans in Virginia are set to skyrocket nearly 60 percent in 2018. In New Hampshire, those rates will rise 52 percent. In South Carolina, individual market consumers will face an average 31.3 percent hike. In Tennessee, they'll see rates jump between 20-40 percent.

Private, flexible PPOs for self-sufficient, self-employed people are vanishing by design. The social-engineered future -- healthy, full-paying consumers being herded into government-run Obamacare exchanges and severely regulated regional HMOs -- is a bipartisan big government health bureaucracy's dream come true.

These choice-wreckers had the arrogant audacity to denigrate our pre-Obamacare plans as "substandard" (Obama), "crappy" (MSNBC big mouth Ed Schultz) and "junk policies" (Sen. Tom Harkin, D-Iowa). When I first called attention to the cancellation notice tsunami in 2013, liberal Mother Jones magazine sneered that the phenomenon was "phony." And they're still denying the Obamacare death spiral. Liberal Vox Media recently called the crisis "a lie."

I don't have enough four-letter words for these propagandists. There are an estimated 450,000 consumers like us in Colorado and 17 million of us nationwide -- small-business owners, independent contractors and others who don't get their plans through group coverage, big companies or government employers. The costs, headaches and disruption in our lives caused by Obamacare's meddling meddlers are real and massive.

But we're puzzles to corporate media journalists who've never had to meet a payroll and don't even know what is the individual market.

We're invisible to late-night TV clowns who get their Obamacare-at-all-costs talking points from Chuck Schumer.

We're pariahs to social justice health care activists and Democrats who want us to just shut up and subsidize everyone else's insurance.

And we're expendables to establishment Republicans who hoovered up campaign donations on the empty promise to repeal Obamacare -- and now consider amnesty for immigrants here illegally and gun control higher legislative priorities than keeping their damned word.

We're the canaries in the Obamacare coal mine. Ignore us at your peril, America. You're next.


Son of Loki SillySalesmanQ… Wed, 10/11/2017 - 22:18 Permalink

Even I got stuck on that shit, Obamacare.The premiums were outrageous, the deductibles laughable and it was almost impossible to find a docotr who accepted it!I hope pelosi and Reid, Soweeto Nobma and McShame encounter a painful untreatable [painful] ailment so they can experience what they forced millions of Americans to suffer through ... on purppose!

In reply to by SillySalesmanQ…

SDShack Rapunzal Wed, 10/11/2017 - 22:15 Permalink

0zer0. That's zero (0) not (O) followed by "zer" followed by another zero (0). I chose that to describe him when he was running in 2008 and have used it ever since. He did nothing positive before then, did nothing positive during his entire presidency, and I predict will do nothing positive after his presidency. A zero bookened by zero's equals... 0zer0. And his motto "Hope & Change" was nothing but "Hoax & Chains". 0zer0care is just one example of it.

In reply to by Rapunzal

FoggyWorld TeamDepends Wed, 10/11/2017 - 21:53 Permalink

Most of ours retired a bit young and our GP moved from NJ to Florida.  None of the doctors we had before OC are available today.Sitting here right now with something that screams out for minor but rarely done surgery and it isn't even being taught in medical schools now.  Been looking for a replacement surgeon and cannot find one.  

In reply to by TeamDepends

Abby Normal TeamDepends Wed, 10/11/2017 - 22:34 Permalink

Our 4th plan just got cancelled too...and it's already gone up over 100%.   Not sure IF we can even buy it anymore, but premiums and deductibles alone are over $30,000 for 2 people.  Who has this kind of money?  Where's our doctors?  The only doctors under our current plan are the same ones that serve medicade pationts and finding a specialits means driving over 50 miles and a series of hurdles that take months to get assigned one.

In reply to by TeamDepends

sheikurbootie justin423 Thu, 10/12/2017 - 00:13 Permalink

I've had 3 Obamacare caused insurance cancellations.  None of my doing.  Received a letter that my insurance was not compliant with Obamacare and was canceled.  The other 2 were Obamacare approved plans that the insurance carrier canceled due to loss.How is this story a lie?My insurance is now $22,000/year with a $7500 ded.  Obama is the only one that lied.

In reply to by justin423

seek justin423 Wed, 10/11/2017 - 21:39 Permalink

Yeah... no. I've documented my self-employed healthcare situation on this very site every year since OC passed. At least I had the money to keep a plan in place. Others close to me have had to forego coverage or work exclusively for the healthcare benefits.It is not a pretty picture. Anyone that thinks everything is A-OK is either beyond delusional or outright lying at this point.

In reply to by justin423

NoDebt seek Wed, 10/11/2017 - 22:04 Permalink

Seek-  so, I assume you're good to go for "free" government healtcare now?  You're had enough pain you're willing to give in?  I mean, that's how it was designed to work.  Make you hate it so much you'll be BEGGING for govrnment-run healtcare.How are they doing?  Had enough pain yet that you're ready to "join the resistance"?  It's only going to get worse for you (and me) from here out.  You really should just join the socialist zombie horde and stop fighting.I am not trying to make light of your situation AT ALL (I'm in a similar position, actually).  I'm just wondering if you are getting to the point of "fuck it" yet that they intended you to arrive at.  

In reply to by seek

seek NoDebt Wed, 10/11/2017 - 22:50 Permalink

Actually rather than "free" I'll opt out. While I have some minor chronic conditions, they're all ones that I manage through diet. Literally had my new doc (old one was a very smart dude and bailed out) jumping up and down over test results, because I'd knocked off a few pounds and of course all the blood-based health indicators skyrocketed due to that.There's two alterntatives that are starting to intrigue me: one is simply concierge care, flat fee per year and cover your own meds. Doesn't help a heck of a lot with a heart attack, though, and other than some regular blood testing it's probably a waste.The other that is really starting to get my attention are some of the religion-based expense-sharing programs, which are both lower in cost and a big FU to the Feds. I just haven't found one that's open-ended enough regarding beliefs that I'd feel I it was appropriate, but their costs are literally rounding error on my current plan -- because they don't let unemployed obese drug addicts participate.I'm assuming at some point enough healthcare businesses will go Galt that we might see the re-emergence of sane fee-for-service arrangements and some kind of catastrophic coverage outside of the the mandated plans. My local insurer is already offering non-compliant "bridge" policies that sound an awful lot like the old catastrophic plans.We both know socialized medicine won't work in the US, and that the current implosion is due to trying to implement it and a bunch of sick, fat fucktards that would rather pound down another 1/2 lb burger and a cup full of statins than eat a vegetable or take a walk sucking the system dry.You probably know this already, but 1% of patients account for 22% of dollars spent, and the top 5% account for 50%. The bottom 50% account for a whopping 3% of spending. This health care crisis literally is one that can be fixed by telling a very small number of people to go fuck themselves -- and Ocare did the exact opposite. Insanity. Some basic health screens determining what "appropriate" care is (smoker? Obese? "Here's your aspirin") and problem solved.Meanwhile I'll keep eating and walking to stay in that bottom 50%, and complaining about how absolutely fucked I'm getting just so I can afford the off chance of been hit by a drunken idiot going the wrong way down the road.

In reply to by NoDebt