Politics / Press Releases

Sky-High Premiums and Exorbitant Deductibles May Seal the Fate of Obamacare, says AMAC

Money and Obama CareIt was force-fed to the American public and now we’re gagging on it

WASHINGTON, DC, Nov 4 – “Sky-high premiums and exorbitant deductibles may seal the fate of Obamacare.  It was force-fed to the American public and now we’re gagging on it,” says Dan Weber, president of the Association of Mature American Citizens.

“With the last days of the 2016 Presidential Election campaigns upon us, the candidates are finally addressing the 800 pound gorilla in the room.  Both Mrs. Clinton and Mr. Trump have notions on where we go from here.  But the reality is that the Affordable Care Act is damaged beyond repair.”

It’s not just the over-the-top premiums, he says.  Those unfortunate enough to live in Arizona, will see premium increases approaching 116%.

“Yes, more people have health insurance than before, but can they afford it?  When you have deductibles exceeding $12,000 a year that must be paid out of pocket before you see any benefit it seems hardly affordable for most Americans, especially for those who are in greatest need.  Remember, that’s on top of monthly premiums that are rising in 2017 by an average of 25% to as high as 116%, as it is in Arizona.”

HealthPocket, a healthcare research provider, says that for families enrolled in the Affordable Care Act’s Bronze Plans, which are supposedly the lowest cost health insurance plans in the Obamacare network, the average deductible is over $12,000 in 2017.

Weber, acknowledges that in Indiana where insurance plans are competing for business, some residents will see a three percent reduction in premiums.  He argues that the same king of competition on a national level will help “tame” prices and that allowing the purchase of insurance across state lines, something not provided for in the Affordable Care Act, can make a big difference going forward.  It’s a good reason for scrapping Obamacare and starting all over again.

In addition, Weber says that any new healthcare  plans created to replace the ACA should include, as a key component, Health Savings Accounts (HSA’s).

Under current law, HSA owners are barred from using HSA funds to cover insurance premiums, direct primary care costs, over-the-counter drugs, and several other commonsense expenditures related to their health.

“Americans, and particularly, senior citizens, should have complete and total control over the purchasing and saving powers inherent in an HSA.  We need to expand the provisions of Health Savings Accounts as a means of putting the decision-making power back in the hands of account holders  It’s a rational, practical, and forward-thinking approach to help HSAs reach their full and uninhibited potential,” says Weber.

AMAC is supporting legislation that would double the contribution limit of HSAs and allow individuals to determine how much money they need to save for their healthcare, including free-market health insurance.

He calls “an open border” approach to the selection of insurance plans and an expansion of HSA provisions powerful core components of a realistic health care insurance solution.

The Associated Press and the consulting firm Avalere Health did the research and found that 33% of U.S. counties – more than 1,000 counties in 26 states – will have only one health insurance provider available to them in 2017.

The study shows that “five states – Alaska, Alabama, Oklahoma, South Carolina, and Wyoming – have one participating insurer across their entire jurisdictions.  Only Wyoming had faced that predicament this year [in 2016].  In addition, Arizona, Florida, Georgia, Missouri, Mississippi, North Carolina, Nevada, and Tennessee have only one participating insurer in a majority of their counties.”

Caroline Pearson, a senior vice president with Avalere, said that “rising premiums get all of the political attention, but lack of choice between insurers could be a bigger problem for consumers.”

Meanwhile, the Gallup polling organization has found that “the American public is, in a general sense, not predisposed to the idea of the federal government running healthcare.  The public’s approval of the healthcare law has consistently been below the majority level in recent years, ranging from a high of 48% shortly after Obama won re-election in 2012 to a low of 37% approval in late 2014,” says Gallup.

Even former president Bill Clinton has expressed his disappointment at the failure of Obamacare.  Although he has tried to walk his comments back since then, he told a campaign rally in Flint, MI last month: “so you’ve got this crazy system where all of a sudden 25 million more people have health care and then the people who are out there busting it, sometimes 60 hours a week, wind up with their premiums doubled and their coverage cut in half.  It’s the craziest thing in the world.”

Weber says that Obamacare has been a critical issue for the Association of Mature American Citizens since its establishment.  “No one is laughing at the irony of Obamacare’s official name, the Affordable Care Act, the fact is the ACA is having a significant and dramatic negative impact on the pocket books of anyone who purchases health insurance.  This comes at a time when the country is in the hole financially and middle class households are carrying the heaviest burden.   How bad do things have to get before we realize that Obamacare has to go.  It shouldn’t have been enacted in the first place and needs to be repealed and replaced.”

ABOUT AMAC

The Association of Mature American Citizens [http://www.amac.us] is a vibrant, vital senior advocacy organization that takes its marching orders from its members.  We act and speak on their behalf, protecting their interests and offering a practical insight on how to best solve the problems they face today.  Live long and make a difference by joining us today at http://amac.us/join-amac.

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Lee McQuillen
4 years ago

Can’t find medical insurance for my 55 year old husband. Premium jumped to what the mortgage is – in the 33% range! Not much available where we live and premiums are not affordable. Penalty will be a lot less but doesn’t help if there’s a hospitalization, etc. Obamacare needs to go! And United Healthcare was a big proponent for that and now they’re pulling out! If normal people could see the fallacies in it, why couldn’t the so-called educated politicians.

HAM
4 years ago
Reply to  Lee McQuillen

Lee
They knew what was in it but DID NOT CARE. Obamacare was never been about healthcare it was about control. One of the basic rules of communism/Socialism: take over healthcare & you control the people.

Steve Brown
4 years ago

Politicians don’t know anything about healthcare. This plan was dead on arrival. Everyone has a present or future need for healthcare services. Healthcare is very costly… so insurance is wise. Insurance only works when there is a huge pool of mostly healthy participants to counter balance the cost of treating the sick and ailing. Human nature, being what it is, means that most people do not want health insurance when they are healthy. They only seek insurance coverage when they perceive a real and immanent need. This is why the early adopter of Obamacare liked the plan. These early adopters had significant health problems (the uninsurables). Because of the health problems of these early adopters AND because the mass population of healthy people did not sign up, the insurer companies recognized huge losses on Obama care coverage. One by one, they have opted out of Obamacare. Predictably, there will be no participating insurers left within a few years. This plan was quite perdictably doomed from the beginning.

Shadow64
4 years ago
Reply to  Steve Brown

Good observation, Steve. Politicians don’t actually know anything about anything but their own best interests.

Hen3ry H
4 years ago

On the surface this albatross didn’t make sense.
More health care for more people with better quality and for less
And the Federal Bureaucrats who are in charge are going to use the IRS to enforce it.
But Congress exempted themselves. I guess they don’t trust there own creation.

Did anyone watch the bipartisan meeting at the Blair House during the (?) debate before passage of the ACA.
Barrack used his typical insulting mocking tone on anyone who questioned his Supperior intellect
What a guy.
And what a bunch those Dems were

Jennifer DeFillippo
4 years ago
Reply to  Hen3ry H

I tried to tell people 8 years ago that obuma was a wolf in sheep’s clothing. Nobody would listen ~ “oh, but he’s such a great speaker!” …as if that had anything to do with being President!?

John F Pastirchak
4 years ago

Remember Jonathon Gruber’s smug remark about counting on “the stupidity of the American people” to pass the ACA? Who’s stupid now?

Clark Kent
4 years ago

Well, for one example, the American people as they are set to elect HiLIARy in a few days. ‘We have met the enemy and he is us’ – Pogo.

Hen3ry H
4 years ago
Reply to  Clark Kent

Who’s stupid now ?
Anyone who thinks this creation is redeemable

eagle-eye
4 years ago

I have waited years to say this…”told you so you Democrats” who believe in giving the farm away and paying for programs hundreds of years from now. Let the future generations pay it, we won’t be here.

Well, guess what DEMS, you have to pay the increase just like the rest of us citizens who you rangled into believing the utopia of a free or reduced health care would be great for everybody else. I’m glad to see that your getting up the a** jsut like the rest of us!!! Your party sucks!

The end of this is near…vote people, Tues Nov 8th, let’s get this done once and all!

Clark Kent
4 years ago
Reply to  eagle-eye

Yup, the USA will be ‘done’ in a few days after HiLIARy is elected. It will be a very rough ride from now on; buckle up……

Hen3ry H
4 years ago
Reply to  Clark Kent

The Dems don’t think they’re going to suffer the consequences.
They’re gonna raise our taxes to pay for more subsidies

Richard
4 years ago

It is not caring, not by any comparison. It is a money generating machine for CEOs; it provides some sick glee from those who quail how much good it does, and it fails to meet the needs at a basic level without giving up something to shell out the cost of coverage. It is a shameful failure, and those who voted for it, and the President are to blame.

American citizens have abdicated demanding a government of the people. Too many now in office have made it a career and view themselves as superior to the citizens they represent. They have become independent decision makers in collaboration with other cronies and often in isolation to the public. Many assume an arrogant attitude and do not deserve to serve as currently established. Mandatory term limits are far beyond enactment. Their retirement benefits, the other main perks, safeguarded and protected work-site, a congressional dining room, top of the line health care (different than the rest of Americans), taxpayer funded travel; all indicators of how they view themselves isolated in many ways from the other 350 million people.

Failure to put this country first, a President who singularly acts out of control with a personal agenda, one that is not in sync with the majority of society, a selfish, narcissistic personality, allowed to run free because of “political” precedence, can only be deemed disgusting. A foreign policy in tatters, a military used as pons on a global game board, ceaseless crime, the murder of police officers amid Congressional and Presidential silence, lifelong poverty for far too many, homelessness, a debt that is strangling this nation and the list is way too long and destructive. We must place restrictions on elected official retirement, and limit a lifestyle that the majority of the public can only surmise. They are no longer representative of the public, but of themselves. It is appalling!

Control of the outrageous money for elections just to bash other people with some of the most disgusting commercials, the lying, falsehood, hidden agendas and past behavior that is shameful, all to gain power for self. The allowance of access to unfair resources to eliminate any challenge is not what the founders had in mind. The minimal work week, the fundraising time, the lack of addressing problems in rank order and stopping under penalty of personal indictment projects that cost millions must be demanded. We the people need to rise and take back our government.

The common man and woman level of suffering, lack of proper nutrition, housing, prescriptions that bearing the costs they have leads to the exclusion of life-saving opportunity for many. We are taxed to death, and then they tax that as well. We are forced to live like serfs, and the elite does not give a fig. With 350 million people, we must demand change, force it and ensure it reflects the America I grew up in, not this hollow sphere of corruption.

Dire needs that now exist would end with the demise of the wasted spending, the hoarding, and the other selfishness that goes unchallenged to the ineptness of many/most of our elected officials. Where is the rebellion?

Clark Kent
4 years ago
Reply to  Richard

Term limits are already enshrined in our Constitution. They are called ‘elections’ and are held on a regular basis. We have no reason to complain since the majority of citizens won’t get off their fat duffs to bother to REGISTER to vote, much less cast a ballot.

Hen3ry H
4 years ago
Reply to  Clark Kent

Drain the Swamp.
Maybe someone else will come with an idea that actually works

HAM
4 years ago

Has anyone read Paul Ryan’s & the GOP’s plan @ ABetterWay.speaker.gov? It includes the economy, tax reforms, national security, poverty, the constitution & healthcare. If you haven’t please read. It’s not a return to preObamacare plans (calling them status-quo) and neither does it say private policies under their plan will equal employer backed plans.

It states they would “strengthen Medicare Advantage and repeal the most damaging Medicare provisions”.

They don’t go into detail of whether it will be co-pay based or deductible based. That is what I would be interested to see, how it affects the people’s pocketbook. It doesn’t state (as far as I can tell) whether private insurance would be purchased on an insurance exchange or through an insurance company (or agent) direct but it appears the federal government would be makig the guidelines but maybe not administering it. They are attempting to right the Obama administrations wrongs.

Anyway, this is my take on it. I will be interested to see your opinions on this.

PaulE
4 years ago
Reply to  HAM

Yes I’ve read the plan and it generally tries to minimize the most damaging aspects of Obamacare, as well as Dodd-Frank, massive government over-regulation, some of the foreign trade policy imbalances, but by no means all, which have led to our unsustainable foreign trade deficits. I would categorize the overall plan as a step in the right direction on a number of issues, but by no means a comprehensive set of solutions. The Obamacare and general Medicare areas are more a broad, poorly designed outline, than a point-by-point set of policies to rectify the situation. My concern in these areas is that they would default to something along the lines of Obamacare-lite with many of the most onerous design flaws still in place. That obviously would have to all change,

I view the overall plan as more of a starting point or baseline for starting to get all the issues discussed in it back on track and away from the Progressive (Socialist) mess of the last 15 years. Yes, Bush did a number of things bad from a domestic policy perspective which needs to be cleaned up as much as some people probably don’t want to acknowledge it. Like his father, G.W was far more comfortable dealing with national defense and foreign relations (diplomacy) policy than he was with dealing with domestic economic and tax policy.

So all in all, I find the Ryan plan a decent starting point from which to begin formulating a more fully-formed, well thought out set of policies for getting the country back on track. It would fit in fairly well with the economic and tax policies that Trump’s economic advisors have already formulated for him. They would be more complimentary to each other than being competitive to each other at this point. However, the Trump economic and tax policies are more well-defined (specific) than the Ryan plan at this point.

The reason the Ryan plan hasn’t gotten any attention in the media is that the media has been totally fixated on getting Hillary elected and burying as much of the various scandals and illegal activities being uncovered daily as they can. That’s a full time job for most of the mainstream news organizations. So the mainstream media hasn’t had time to spend bad mouthing the Ryan plan yet. Have no fear though. Should Trump actually win, the media will start sowing the seeds of panic with the public over everything GOP-related five minutes after the results are known. They’ve already been doing that on all the business new cable channels for months now. Trotting out every Democrat strategist speech writer, pollster, spokesman, former cabinet officials, etc., all to say repeatedly how terrible a Trump Presidency would be how disastrous for the United States any GOP plan for anything would be. All being reported with a straight face by these news media outlets as completely unbiased opinions. Yeah right! About as unbiased as asking Lenin or Stalin what their view of capitalism is and then saying they are completely impartial and unbiased.

Any HAM, that’s my opinion on the Ryan plan and I hope this comment doesn’t get flagged as well.

HAM
4 years ago
Reply to  PaulE

It think I read it was just a starting point. Your take is the same I had.

Healthcare plans need to be based on co-pays with affordable premiums rather than deductibles up front because people can afford those plans. It worked for years, all it needed was tweaking which Ryan’s plan addresses.

Anita Cole
4 years ago

I think O’bummer care was intended not to work so the Demo/liberals could coerce/force the country into a socialist government run healthcare system. What a joke! All you have to do is take a good look at the veterans health care system to see that the government doesn’t run it properly or efficiently. So how do they figure they can run the health care of the whole nation? Plus who said the government is responsible for the health care of everybody in this nation? Brain washed social gimme gimme people, that’s who. The Demo/liberals just want more and more power over all of us and government run, tax payer funded health care is one way. If it happens you will see more decisions made by bureaucrats instead of patients. Wake Up America!

MT Native
4 years ago
Reply to  Anita Cole

If the government takes control of our health care we will have health care like Australia. Unless it is an emergency they wait anywhere from 2 to 3 years just for a simple colonoscopy. Some people could be dead or beyond cure if they have to wait that long. Another reason why people from Canada come to the US for medical care – there isn’t a long waiting list. You are right, just look at the VA. I don’t want that kind of health care for me or anyone in my family.

HAM
4 years ago
Reply to  Anita Cole

Veterans who can’t get good healthcare near their homes, should be able to go to private doctors with not co-pays or deductibles. If none will go to the bad VA hospitals then maybe they will be closed down or forced to get better healthcare providers and workers who care about their health. My one experience through my brother-in-law at a VA hospital in Mississippee put a bad taste in my mouth but I understand they aren’t all like that one.

HAM
4 years ago
Reply to  HAM

Oops! Mississippi not “ee”. ☺️

Hen3ry H
4 years ago
Reply to  HAM

I believe that if i was subject to one of those universal government run health systems
I wouldn’t be around to post this comment.

I wouldn’t have gotten the needed care on time.

raygun
4 years ago

DUH ?!?! You think !!! As old Gomer Pyle (Jim Nabors) would say “Surprise, surprise, surprise”. My wife and I are lucky to be on Medicare and SS and not putting up with the worst idea of ObummerCare. It’s about time the conservatives took over and repealed everything criminal that was passed over the last decade. Remember this: “we have to pass it so we can find out what’s in it”. Dumb ass socialist brain dead demowits, most of which were a part of Woodstock and the radical 1960s and 1970s. Woodstock, LSD, marijuana, cocaine, mush for brains, rainbows, unicorns, rose colored eye glasses, flower children, free love, STDs …..

Shadow64
4 years ago

Oh yeah, and did I mention career college students?

Ivan Berry
4 years ago

Force-fed, hell; more like waterboarded.
Open borders for insurance? What, get the Department of Commerce involved? They could be involved with the illicit drug traffic, but they don”t want any part of that trade regulation. The same goes for the trade and traffic of humans. AMAC should avoid borrowing the left’s toxic terms.
Why not just leave it all to the individual States where it rightly belongs, or to the people. The 10th Amendment wasn’t written for nor by progressive communistic /socialistic fascists.
If a dictatorial king or queen had been wanted by the people, we would have elected a king when given the first opportunity. We didn’t; we elected a president.
Do it again this time. We do not need a queen, and especially one who lies more often than she flies, and she is always flying, either on someone else’s dollar or off the handle about someone questioning another of her lies.

Shadow64
4 years ago
Reply to  Ivan Berry

Absolutely, whole heartedly agree! You rock, Ivan!

raygun
4 years ago
Reply to  Ivan Berry

More like a large soap suds enema under pressure. Kudos, Ivan.

PaulE
4 years ago
Reply to  Ivan Berry

Well said on all points Ivan. The notion that the most appropriate solution to the federal government run, one size fits all, top down mandated approach of Obamacare is another federal government run, one size fits all, top down mandated approach, but with a little HSA tweak that does nothing to curb the double-digit annual premium and deductible hikes is NOT a real solution. The whole concept of State’s Rights, where each state has the power to individually chose how they manage their own affairs for their citizens beyond the limited powers explicitly conferred to the federal government in the Constitution, seems completely lost in the AMAC solution. Once again what is being proposed in another “The federal government knows best. The states have no rights to decide anything themselves and the only “rights” the individual states have is to blindly obey and fully comply with the mandates from Washington.” That is, for all intents and purposes, the very model of socialism.

Ivan Berry
4 years ago
Reply to  PaulE

And again, PaulE, so right you are on those additional points. The central planners never finish planning, but continue to add change upon change. It’s enough to make any head swim. Looks like our version of the China Mandarins’ central planner bureaucracy is here to stay.

PaulE
4 years ago
Reply to  Ivan Berry

Yes and we both know how the Mandarins ended up destroying China’s level of technological and societal progress for centuries and that in turn ultimately led to what allowed foreign powers to dominate the Chinese people.

Rik
4 years ago

The Affordable Care Act will go down as the greatest misnomer in the short history of this country. And if the Communist Democrats have their way, our country as we’ve known it, will end up ceasing to exist as President Hillary will lead this once proud nation down the road to a global world economy where Communisn rules with 2 classes of people, rich and poor. And 95% of the people will be poor!!!

PaulE
4 years ago
Reply to  Rik

Isn’t it amazing Rik that the weekend before the most important election this country will ever have and AMAC is running another retread Obamacare article? One would have thought or at least hoped for a more true comparison of all the policies of the two major candidates and how those policies would impact average Americans. You know, actually perform a service and educate the voters a bit. Of course that wasn’t going to happen. Instead we get another thinly veiled sales pitch for the AMAC’s slightly tweaked Obamacare solution. What a waste.

Rik
4 years ago
Reply to  PaulE

I agree. In fact, I don’t think this newsletter has ever run an article comparing where the candidates stand on the key issues. But then again, one has to probably assume that a “Conservative” Senior’s organization doesn’t really need to educate it’s members on what would benefit it’s members best. One has only to read all the comments and I have yet to see where any member is extolling the virtues of Hillary. What’s happened to that looney Liberal PaulO? Of course, I really believe the Republican Party could have had a much better candidate than Trump. But if he now happens to win, by some miracle, he just might surprise us (my hope springs eternal). He certainly can’t be worse than Ryan and McConnell and the rest of the spineless Republicans in Congress. Then maybe again…

PaulE
4 years ago
Reply to  Rik

You’re right on AMAC never having run a real, detailed, point-by-point comparison of the major issues contrasting Trump and Clinton and how each would impact the average American. On one hand that’s kind of shocking, but given the so-called solutions AMAC has put forth on Obamacare, SS and other matters, my guess would be that they would be equally comfortable with either candidate winning.

As for a better Republican candidate, it’s pretty clear that most Republican voters in the primary process weren’t really interested in a fiscal and constitutional conservative. If they were, we would have ended up with Cruz. However, that is water under the bridge at this point and we have to deal with the reality on the table. We need to elect Trump this Tuesday or it is lights out for the United States as we have known it. There will be nothing left of our republic by the end of Hillary’s first term and the country will be completely unrecognizable by the end of her second term. So just vote for Trump on Tuesday.

Rick B.
4 years ago

Passed by Congress in a reconciliation conference between the House and Senate versions, so as to avoid the 2/3rds majority requirement in the then Democratically-controlled Senate (to avoid a filibuster), and without one single Republican vote, this massive intrusion by the Nanny State into our healthcare industry was ushered through in the wee hours of the morning, and signed before anyone knew exactly what was in it (re: Nancy Pelosi’s famous comment). As “open mike” Biden excitedly gushed before his illustrious Supreme Leader and mentor, “This is Big F-ing Deal !!!” Altered -illegally- several times by Executive privilege, as opposed to Legislative action as required by the United States Constitution, this “signature” POS legislation is destined for the bedpan of history. If you hate your current insurance, you can keep it.

Denis Wittman
4 years ago

single payer and reduce benefits here they come

Christine blocher
4 years ago

O every important issue, for me, is ALL Americans are required to be covered with this bogus insurance. Federal and all congress persons!

Dan Hanke
4 years ago

Amen brother!

Ramón
4 years ago

Do not forget this timeline:
• Hillary pushed similarly flawed healthcare measures in the 1990’s
• Congress rejected it
• the schemes were taken from the public eye but not put to rest
• the same flawed system was re-packaged, and the loaded label “ObamaCare” was strategically applied
(the very sound of the title suggests that he cares when we know he only cares to disrupt and ruin)
• Pelosi manipulated Congress with her [in]famous “let’s pass it to see what’s in it…”
• Congress caved for fear of being called “racist”
• Now We The People are “gagging on it”

How does it make sense to have open international borders for immigration and foreign-made products while closing the interstate borders to insurance competition?
If she wins the election (ugh!), she would be able to continue where she left off two decades ago with her corrupt machinations to gain absolute power.

Hen3ry H
4 years ago
Reply to  Ramón

She won’t have to suffer the consequences of this Thing

Ken & Mary Kingman
4 years ago

A couple of years ago my wife’s medical was 247.00 a month, it is now going to $$648.00 a month. It is nothing more than a federal tax in disguise. It is un AFFORDABLE and no one CARES ACT of a desperate out if control government.

Jo Cioffi
4 years ago

Let’s not forget the deductibles, co pays….. and the medications… My daughter’s one bottle of insulin is 251.00 a month and that is with the pleasure of paying 600.00 a month insurance premiums…. Disgusting…

john koo
4 years ago

You pay for the parasites who put nothing into the pot yet take out. Like any ruling by some liberal scum judge who forces states to pay for non citizens and freeloaders. If you work and save YOU are punished.

Tom Roberts
4 years ago

The people voting for clinton should realize that LIARS never change. They just tell more lies to cover previous ones. We should donate hearing aides to them and turn the volume to high.

raygun
4 years ago
Reply to  Tom Roberts

A waste of good money. They have what we tax payers call “selective hearing”, listening to things that they cater to.

Steve
4 years ago

Dan are you saying the American people in some states to start will have no choice ? Say it’s not so . You can keep your doctor right , you can keep your plan right , your rates won’t go up right . As Billie would say it’s crazy .

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