ObamaCare Scam Collapsing as Uninsured Realize How Little it Offers Them

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The whole point of ObamaCare was, supposedly, to end the problem of the uninsured who would now get insurance. But the uninsured are unethusiastic about paying a good deal of money for what is little more than catastrophic coverage.

On paper, Tammy Bourdeaux, a gay uninsured freelance social worker who couldn’t afford insurance, should have been the perfect demographic for ObamaCare.

And then she tried it.

Boudreaux was hoping to find a better deal on HealthCare.gov. She likes the monthly premiums that she sees but has balked at the high annual deductibles.

“Let’s say if I paid the $178 a month, my deductible would be $5,000,” she says. “I would have to pay up to $5,000 before I received any kind of payment from my insurance company.”

Boudreaux could get a lower deductible if she paid a higher premium, but about $200 a month is what she feels she can afford. She doesn’t qualify for subsidies to help pay for a policy.

“I don’t smoke. I’m relatively healthy. So I was pretty insulted when I saw this,” she says. “I was extremely angry actually. I felt hoodwinked by the insurance companies: ‘Oh, here’s this wonderful insurance plan but by the way you need to come up with $6,000 out-of-pocket first before we pay for anything.’ “

Boudreaux stupidly blames the insurance companies, but the insurance companies are just working within the overall guidelines of the plan which is to exploit people who don’t use the system much to finance the whole disaster.

The whole point is to get people like Boudreaux to pay in their $1200 a year that they will hardly ever see any value for. That’s what helps make ObamaCare viable.

What’s really entertaining is the goal-post moving on the NPR comments where ObamaCare defenders swarm to screech that she doesn’t understand that ObamaCare is just catastrophic coverage.

Meanwhile you can find NPR stories where the same screeching flock of harpies is ranting that “privileged and entitled people” who complain about policy cancellations don’t understand that their worthless junk policies were just catastrophic coverage… while ObamaCare offers so much more.

  • Albert8184

    Oh yeah man! You Leftists should be glad Obama is really “sticking it to the insurance companies” here, isn’t he! Yep. I bet all those big corporate HCI providers are probably grinding their teeth and stamping their feet…..

    …. in celebration of another Leftist-provided boondoggle.

  • mrbeverage

    and oh… by the way, once you are done paying that $5k deductible, the plan you picked out only covers 60%of future cost, you are still responsible for the other 40%. and oh, by the way, once you get done paying the 5k deductible a year has probably elapsed and it is time to start a working on a new $5k deductible…. so might as well self insure.

    • BagLady

      If what you say is all true, then the system will implode within months and you shouldn’t all worry too much. Stonewalling would help.

      • Pingston

        It will self-implode as people refuse to pay.

        The Democrats tried to replace a complex insurance system constructed over many decades using actuarial data and the involvement of many feedback loops with fiat. Command insurance fails as do command economies.

        It will also be a worsening political storm for the Democrats in 2014 because there is no way for them to squirm out of it.

      • Dr Reynaldo

        It won’t implode due to lack of funding. Pres Osamabama will simply borrow more from china and tax citizens to pay the shortfall.

        • BagLady

          Not lack of funding so much as lack of takers. Would you? I know I’d take my chances and face the consequences, much as I do now. (When I fell the other week on a dodgy step, I landed on my spine. I lost the use of my legs for a while but knew I only needed helping to bed until it passed, having had similar experiences being thrown from my horse and a rather nasty ice skating incident. My dear friend ran (barefoot) to the local clinic where they demanded $1000 just to turn out and pick me up (200 mts away). As a foreigner, they had presumed holiday insurance and a fat cheque. Luckily, Mr Po, from a local cafe, came to my rescue and plonked me on a bed where I slowly recovered).

          Perhaps $1,000 sounds about right to you but, considering the local rates of pay for factory workers is under $100 per month, it’s extortion.

          That’s what you suffer from in your health system – extortion.

    • TomM

      You don’t know that re: having to pay 40% so how about you stop making up stuff to support your arguement.

      • mrbeverage

        not making anything up…. have you seen the bronze plans yet?

      • Freddie King

        It’s the coinsurance part. You can get coinsurance that ranges from 60% up to 90% under Obamacare. In a policy I just purchased direct through Blue Cross and Blue Shield of Illinois, I got 100% coinsurance and a $3750 deductible for about $300 a month. It’s way better than going through the Obamacare “portal” and keeps free of that mess.

  • truebearing

    How stupid is this woman? How long will it take the leftists and liberals to figure out that they voted for what they believed in, and now they have it? Why the long faces? They got exactly what they wanted, but apparently didn’t understand the consequences of what they wanted.

    • Freddie King

      The problem is they thought they would get what THEY want, but that OTHERS would have to pay for it. Progressives seem not to comprehend the concept that there is NO FREE LUNCH. I laugh heartily at these pinheads – I love when they wring their tiny little wrists and stamp their tiny feet in anger. They are really cute like that…..

    • P_Ang

      I was also a little surprised that the writer didn’t do a comparison, noting the woman was “uninsured, who couldn’t afford insurance.”
      Yet later they note that “She doesn’t qualify for subsidies”…which means she makes a minimum of $48,000 a year…at least double my last job. That kind of money is enough to afford insurance, at least it WAS before Obamacare.

    • samadams72

      I suppose you already know about the next President? Maybe you can tell us about that one too. (# You’reanIdiot).

      Nobody knew anything about this black guy before he was even considered a candidate..and you can’t believe anything you see or read in the media. Buffoon….

  • dave

    Think the cost structure is bad? Wait until all the regulatory paperwork starts driving doctors to either retire or move to ‘fee paid only’ billing. YOU pay first, I treat you and give you a receipt, and then YOU try to collect from Obamacare. So the Obamabought voters will all be going to far fewer doctors than are working now, and those who are still working will be swamped with all those new patients. You’ll get an appointment in England or Canada from their national systems faster than you’ll get one here.

    And just by the way, if you pay a $5000 annual deductible and a $200 a month payment, you will pay out $6200 hundred a year before you see your first $1 of benefit from your insurance. If you’re healthy, it’s far cheaper to just pay your fine.

  • Bob

    My doctor just retired because he didn’t want to have to deal with Oboobycare.

  • BagLady

    Ah well, now I understand why no-one wants it. $178 pm and still have to pay the first $5000. How often in your life do you need heavy medical assistance? The Indians manage to get through life from birth to death without ever seeing a ‘doctor’. For the majority, it isn’t until later life that they need a doctor. Can’t we have a look at the actuaries’ reports and how they came to the figures?

    I remember a time when your car insurance covered all costs. There was no such thing as ‘deductibles’. In the case of insurance companies, I should think the definition of ‘deductibles’ is costs spread over the entire client base.

    Perhaps the system could be saved by re-evaluating the cost/profit ratio and being a little more open about it.

    • Sussex Girl

      Actually, the Indians DID see a doctor. He was called the medicine man in the tribe and was trained by the medicine man who came before him. They knew which herbs to use for various ailments and had wide knowledge of treatment options–how to set broken bones, mend gashes in flesh, and the like. Ancient peoples knew how to stitch wounds, amputate limbs, and treat various diseases, and there is solid evidence that some ancient cultures practiced brain surgery, successfully, no less. Hippocrates, referred to by many as the father of western medicine, lived c. 400 B.C. The Apostle Luke, who wrote both the Gospel of Luke and the book of Acts in the New Testament, was a physician, and the Romans had fully staffed hospitals for their gladiators. Doctors and formal medicine (that people had to pay for) have been around for millennia.

      Go visit a children’s hospital if you really think most Americans don’t need medical care until later in life.

  • Cathy1000

    Some people are just DUMB!!! Where did they think the money was going to come from??? How can anyone be so STUPID to think that FREE means it is FREE???? Someone somewhere is paying for what maybe free to others…. Stupid kool aid drinkers!

  • Jerry G

    Only a leftist and/or a complete idiot could believe that extending healthcare to millions of uninsured plus mandating unwanted benefits would result in lowered premiums.

    • BS77

      Amazing to watch the libtard shills and hacks in the media continuing to prop up this mess. How long do you think this legislation will last before it is tossed in the dumpster?

      • TomM

        The ACA is here to stay so why not suggest an improvement and stop the incessant whining?

        • Notalibfool

          The best improvement would be to terminate it immediately. Those of us who have to pay for this atrocity have every reason to complain.

        • Freddie King

          I suggest an improvement here: you SDASTFU!

          • TomM

            Typical nonsensical and inane comment. I wonder if you would make that comment to someone’s face vice sitting anonymously behind your keyboard – I doubt it…
            The ACA is here to stay so get used to it.

          • Notalibfool

            Thank you Tom for your efforts in adding to the working man’s financial burden. I have so much extra money to give out. Maybe someday you can experience the joys of true poverty.

    • BagLady

      I’m afraid from where I’m sitting, America could extend its healthcare to all and still lower its outrageous medical insurance premiums and emerge with profit.

      • Jerry G

        How? Oh, I’m sorry that little detail escapes you. I was right in my analysis of who thinks Obamacare so great.

        • BagLady

          I doubt anyone thinks Obamacare is great apart from Insurance companies. It’s the figures that are wrong not the underlying principal of saving lives, regardless of wealth.

        • BagLady

          Have I ever said I believed Obamacare is great? No. And don’t put words into my mouth. I am suggesting that, regardless the system, nothing will work well until you curb excessive pay.

          http://www.reuters.com/article/2013/07/31/us-mckesson-pay-idUSBRE96U0X920130731

          “Fat Cat Wednesday: Top bosses in FTSE 100 companies earned an average worker’s yearly pay by 9am today”. [DailyMailUk]

          • hitshed925

            You said, “is”, BagLady. For him to understand you, you gotta speak his language. When talkin’ to the likes of him, you gotta leave words like “is” out of the sentence and don’t make plurals plural. Example: Who think Obamacare so great? Instead of: Who thinks obamacare is so great? Class adjourned.

  • Merlin

    I have heard that the insurance companies wrote large parts of Obamacare. If that is true, it explains the scam. The whole program is just a way to force people to subsidize the insurance companies. Or, in plain English, it is government-enforced robbery. Make people fork out their hard earned dollars to stuff more and more money into the pockets of the insurance company’s big shareholders. What do the people get? For most people, the answer is nothing. You still need to pay thousands out of pocket — assuming you can even find a doctor. I wonder which insurance conglomerate Obama will go to work for as a “consultant” after his presidency, assuming he is not in jail or back in Kenya. We’ll see how the Obama fans feel when they run into the harsh reality of not getting any care, or having to pay thousands out of pocket?

    • Daniel Greenfield

      Insurance companies have better lobbyists than patients. Government regulation favors those with the best lobbyists.

  • BagLady

    I admit I don’t comprehend your voting system and have no idea what a “D_Moncat lock on power” is.

    Without wishing to appear naive I would suggest it’s the figures that are the problem. I can’t see anyone arguing against universal healthcare. It’s just a question of how much and how best to collect these costs, and how to cap the pharma and insurance companies’ profits without appearing too left wing.

  • downwithpotuspothead

    Just don’t pay. The crackhead-in-chief is powerless and so is the IRS if most Americans “just say no” to the Obamascam.

    • hitshed925

      It may come down to us having to shoot back since they’re shootin’ at us…

  • hitshed925

    We’ve been lettin’ them jerk our chains WAY too long. Besides them trying to get us all to accept this NEW insurance law, they already did this to us over car insurance years ago and we stupidly accepted that. That was a deal between the gov and big insurance way back then as well (Adam 12 and Dragnet taught us to accept it). That needs to be changed also. We know that auto insurance is needed for protection but why ain’t it like this?

    If a person has no accidents in say 5 or 10 years, he gets all that money that he paid to insurance (plus the govs cut) back and starts anew. Percentage of accident payouts are WAY lower than that which they don’t pay. That means that they are making (insert Carl Sagan imitation here) billions and billions. The only reason that the gov hasn’t stepped in and said that this is wrong is because they get a HUGE partnership cut. Buying insurance is similar to gambling. No wait, it IS gambling. Forced gambling. And now they are forcing us to gamble some more on their rigged tables (required health insurance). That means that if you don’t have health insurance, you’re a criminal. That means that if they stop you on the street and ask for your proof of health insurance and you don’t have it, they will fine you and you will go to the court house and give them some more money. If they find out that you don’t have Health Insurance, they can use that as an excuse to come to your house with a S.W.A.T. team and let the boys try out their new weapons and tactics. The gov ITSELF is scamming us! Where’s the new GEORGE WASHINGTON?

    • hitshed925

      By the way, I WORK and make 6000 to 7000 dollars a year. I get no food stamps OR welfare because the “sistuhs” that runs da foodt stampt and welfaret office do everything in their power to prevent me (a whitey) from getting food stamps or welfare. My yearly money is barely enough to call chicken feed. How can someone like me afford anything other than the ridiculous price of food, gas, electric and rent???? Thit mahn, muh fuh…Thit mahn, muh fuh…

  • Robert Roff

    Approximately 150 million registered employed in America and a 95 dollar fine for not signing up equals 14.25 billion. Where is your money going?

  • OhNoesNotAgain

    Liberals are forever stupid.. And there is no cure for liberalism.