Obamacare Penalty to Hit One Million Low-Income Americans

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The Washington Free Beacon.

How many of this one million voted for Obama?

How many of that million are that voted for Obama is now  suffering from buyers remorse?


200,000 earning less than 100 percent of the poverty level to pay fine

Roughly one million low-income Americans will pay a fine under Obamacare, according to the Congressional Budget Office (CBO).

The CBO estimated that four million people would pay the individual mandate penalty for not having health insurance by 2016 as a result of the president’s health care law, according to a report released last week,

“All told, CBO and [the Joint Committee on Taxation] JCT estimate that about four million people will pay a penalty because they are uninsured in 2016 (a figure that includes uninsured dependents who have the penalty paid on their behalf),” the report said. “An estimated $4 billion will be collected from those who are uninsured in 2016, and, on average, an estimated $5 billion will be collected per year over the 2017–2024 period.”

A chart accompanying the report revealed that 200,000 of those paying the penalty earn less than 100 percent of the poverty line. An additional 800,000 are considered low-income, earning between 100 and 199 percent of the poverty level.

President Barack Obama was once critical of an individual mandate precisely because of its effect on low-income Americans. During a primary debate against Hillary Clinton, then-candidate Obama criticized the idea of a mandate for imposing fines on people who could not afford health insurance.

“You can have a situation, which we are seeing right now in the state of Massachusetts, where people are being fined for not having purchased health care, but choose to accept the fine because they still can’t afford it even with the subsidies,” he said. “They are then worse off, they then have no health care and are paying a fine above and beyond that.”

This year, Americans opting to not purchase health insurance will pay a $95 fine or 1 percent of their household’s adjusted gross income—whichever amount is greater. By 2016, the minimum fine will be $695 or 2.5 percent of the household income.

In addition, the report estimated that under Obamacare 30 million Americans will still be uninsured by 2016.

“The central promise of the new health care law was that by bringing down the cost of insurance and making it more affordable, virtually all Americans would have good health insurance at reasonable rates,” said Daniel Garza, executive director of the LIBRE Initiative, a nonprofit organization devoted to economic freedom for Hispanic Americans.

“Instead, 30 million Americans will be uninsured,” he said. “And four million will pay tax penalties for not complying with the law.

“Moreover, this administration has hit a new low by penalizing 200,000 of America’s most needy,” Garza said.

The CBO report noted that many uninsured Americans would be exempt from the penalty in 2016. The government will exempt unauthorized immigrants, incarcerated individuals, members of Indian tribes, people with earnings so low they are not required to file an income tax return, and individuals whose premium exceeds 8 percent of their income.


About that minimum wage and ObamaCare, here’s what’s really going to happen

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This is from Joe For America.

I remember when Slick Wille Clinton was hyping a raise in the minium wage had how people would benefit.

Then the GOP plan was to eliminate taxes for people making 40k and under while lower other rates.

Clinton and his hacks convinced the low information crowd they would only benefit from the wage increase.

Now Obama is back pandering to the low information crowd.

Be careful of what you wish for as you just might get it.


President Obama and the Democrats have decided that the minimum wage will be their class warfare issue for this election. That and, of course, the infamous “war on women” that the Evil Koch Brothers are paying for.

Well, like most things the Democrats believe, it just ain’t so.

Here’s the CEO who turned Bennigan’s around from a restaurant chain going under to a profitable business that employs thousands of people in all kinds of jobs.

Mr. Manlemele makes a number of points. First, the minimum wage hike is going to hurt business, and it will hurt most the people it’s designed to help because they won’t have jobs. Second point is that ObamaCare is hammering business, and it’s also hurting those at the low end of the economic scale because their hours are being cut back, and the cost of health insurance has gone up from 32% to over 50% in most markets because of ObamaCare.

Back to the minimum wage, over 500 economists have come out against increasing the minimum wage.

Over 500 economists signed an open letter to the White House and Congress urging them to reject a federal minimum wage increase.

The list, which included four Nobel laureates and several veterans of past administrations, warned the minimum wage hike would cause economic damage.

“One of the serious consequences of raising the minimum wage is that business owners saddled with a higher cost of labor will need to cut costs, or pass the increase to their consumers in order to make ends meet. Many of the businesses that pay their workers minimum wage operate on extremely tight profit margins, with any increase in the cost of labor threatening this delicate balance,” read the letter.

In other news, strident Obama supporters who operate big businesses, and who the President frequently calls on for economic advise, Bill Gates, Michael Bloomberg and Warren Buffett have all come out against President Barack Obama’s push to raise the minimum wage.

When restaurants have to pay servers significantly more not only will the talent pool shrink and eliminate those without experience, restaurants will automate the function.

Customers at D-Dog House in Brickell aren’t greeted by a waiter. Nor do they step up to a counter like in a fast-food restaurant.

Instead, each table is equipped with an iPad, from which customers can order their food with no human intervention.

Waiters confirm orders with customers, bring the food from the kitchen when it’s ready, and are available to accept payment and help customers who need it. But customers can enter and leave the eatery with little interaction with a human employee.

If this technology is widely adopted, it has the potential to drastically cut labor costs at many restaurants — and put many waiters out of work.

Sean Raee, owner of D-Dog House, said he has fewer servers because of the iPads.

Raise the minimum wage and you’ll not only be ordering fast food on a touch screen, an automated machine will be cooking your burger. Amazon, and every other firm involved in large scale distribution is reducing costs using warehouse robots and Amazon is working on delivery drones.

Bottom line, if you’re a minimum wage – or close – worker and people are hustling you to vote Democrat or join a union because you’re going to be making $15 per hour, you should think about the hard reality of life. Minimum wage goes up and you, and hundreds of thousands of people like you, are going to be replaced by robots.




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Hat tip to Firebird @She’s Right.


When your enemy is drowning in a mess of his own making – DO NOT THROW HIM/THEM A LIFELINE.  Just get out of the way and STFU.

Obamacare is a DISASTER!  Not a single Republican voted for it!  The Democrats OWN IT!  The president LIED REPEATEDLY about it and he has been caught lying.

The ACA is the LAW!  People are losing their health insurance because THE LAW WAS DESIGNED SO THAT THEY WOULD!  

Why on earth would the Republicans, after being excoriated for shutting down the government trying to DELAY this mess, EVER join with a single Democrat to STOP THE DISASTER.  They will never get credit for trying to help.  Any credit for fixes or delays will go to Obama and the Democrats.  And any chance the Republicans HAD to regain the Senate next November will go right down the krapper.  




NJ College Students Lose Low Cost Coverage Thanks To ObamaCare Regs

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This is from Breitbart.

Some New Jersey college stupids learn the truth about hope

and change.

They also learn how expensive free health care can be.

They  also found out they will pay the  bill.

Along with documenting the many technical failures of Obama’s so called signature website, thisCBS New York item reports the Obama sticker shockmany Garden State college students now face thanks to the increasingly misleadingly named Affordable Care Act.

New Jersey built up a relatively extensive network of junior colleges in the 1970’s and 80’s. Now, ObamaCare is forcing them to drop cost effective insurance programs they had previously provided to students.

Many students have found themselves in health care limbo this semester. Community colleges in New Jersey used to offer cheap health insurance for hundreds of dollars a year but they had to drop the practice because Federal Law prohibits the sale of bare bones policies.

Under the Affordable Care Act it would have cost more to run the program and the cost would have been passed on to students.

Chalk this up as one more of a growing number of reports demonstrating that Barack Obama’s now infamous promise of being able to keep your health insurance if you liked it was a flat-out lie.

 It was a health care shocker for college students in New Jersey who found out that they can’t buy low-cost health insurance at their schools because of the Affordable Care Act.

Obamacare’s winners and losers in Bay Area

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This is from The San Jose Mercury News.

  Cindy Vinson and Tom Waschura define the term useful idiots.

  They proudly proclaim their belief in Obamacare and their voting for Obama.

   Now their ignorance is costing them and the nation dearly.


Cindy Vinson and Tom Waschura are big believers in the Affordable Care Act. They vote independent and are proud to say they helped elect and re-elect President Barack Obama.

Yet, like many other Bay Area residents who pay for their own medical insurance, they were floored last week when they opened their bills: Their policies were being replaced with pricier plans that conform to all the requirements of the new health care law.

Vinson, of San Jose, will pay $1,800 more a year for an individual policy, while Waschura, of Portola Valley, will cough up almost $10,000 more for insurance for his family of four.

“Welcome to the club,” said Robert Laszewksi, a prominent health care consultant and president of Health Policy and Strategy Associates in Virginia.

For years, the nation has been embroiled in the political rhetoric of “Obamacare,” but this past week the reality of the new law sank in as millions of Americans had their first good look at how the 3 1/2-year-old legislation will affect their pocketbooks.

This much quickly became clear:

As state- and federal-run health insurance exchanges debuted across the country offering a range of prices for different tiers of insurance coverage, the new online marketplaces — which represent the centerpiece of Obamacare — could greatly benefit more than 40 million Americans who now lack coverage. But an additional 16 million — who buy individual health insurance policies on the open market — are finding out that their plans may not comply with the new law, which requires 10 essential benefits such as maternity care, mental health care and prescription drug coverage.

In California, 1.9 million people buy plans on the open market, according to officials with Covered California, the state’s new health insurance exchange. And many of them are steaming mad.

“There’s going to be a number of people surprised” by their bills, said Jonathan Wu, a co-founder of  ValuePenguin, a consumer finance website. “The upper-middle class are the people who are essentially being asked to foot the bill, and that’s true across the country.”


Covered California spokesman Dana Howard maintained that in public presentations the exchange has always made clear that there will be winners and losers under Obamacare.

“Some people will see an increase who are already on the individual market purchasing insurance,” he said, “but most people will not.”

Covered California officials note that at least 570,000 of the 1.9 million people who buy their own insurance should be eligible for subsidies that will reduce their premiums.

drop because Obamacare doesn’t allow insurers to charge people more if they have pre-existing conditions such as diabetes and cancer, he said.


People like Marilynn Gray-Raine.

The 64-year-old Danville artist, who survived breast cancer, has purchased health insurance for herself for decades. She watched her Anthem Blue Cross monthly premiums rise from $317 in 2005 to $1,298 in 2013. But she found out last week from the Covered California site that her payments will drop to about $795 a month.

But people with no pre-existing conditions like Vinson, a 60-year-old retired teacher, and Waschura, a 52-year-old self-employed engineer, are making up the difference.

ValuePenguin, a consumer finance website. “The upper-middle class are the people who are essentially being asked to foot the bill, and that’s true across the country.”

Covered California spokesman Dana Howard maintained that in public presentations the exchange has always made clear that there will be winners and losers under Obamacare.

Even those who don’t qualify for the tax subsidies could see their rates drop because Obamacare doesn’t allow insurers to charge people more if they have pre-existing conditions such as diabetes and cancer, he said.

People like Marilynn Gray-Raine.

The 64-year-old Danville artist, who survived breast cancer, has purchased health insurance for herself for decades. She watched her Anthem Blue Cross monthly premiums rise from $317 in 2005 to $1,298 in 2013. But she found out last week from the Covered California site that her payments will drop to about $795 a month.

But people with no pre-existing conditions like Vinson, a 60-year-old retired teacher, and Waschura, a 52-year-old self-employed engineer, are making up the difference.

“I was laughing at Boehner — until the mail came today,”

Waschura said, referring to House Speaker John Boehner, who is leading the Republican charge to defund Obamacare.

I really don’t like the Republican tactics, but at least now I can understand why they are so pissed about this. When you take $10,000 out of my family’s pocket each year, that’s otherwise disposable income or retirement savings that will not be going into our local economy.”

Both Vinson and Waschura have adjusted gross incomes greater than four times the federal poverty level — the cutoff for a tax credit. And while both said they anticipated their rates would go up, they didn’t realize they would rise so much.

“Of course, I want people to have health care,” Vinson said. “I just didn’t realize I would be the one who was going to pay for it personally.”


A frustrated Vinson went on the Covered California site to see what she would pay for the same policy if she lived in Los Angeles or Sacramento. She discovered she would save at least $100 monthly.

According to data compiled by ValuePenguin, Santa Clara County, San Mateo County, San Francisco as well as Santa Cruz, Monterey and San Benito counties have some of the highest health insurance rates in the state. Covered California officials say that in addition to the higher cost of living here, more hospitals in the Bay Area are owned by hospital groups that can demand higher rates because of the lack of competition.

Not all of the sticker shock can be blamed on Obamacare.

Health care inflation costs routinely increase at least 4 percent annually, said Ken Wood, a senior adviser for Covered California. Those increases, he noted, are due to an aging population and the rising costs of new medical technology and drugs, among other factors.

But Wood, Wu and others also said premiums will rise as a result of people getting better insurance under the new law, which requires most Americans, with few exceptions, to buy health insurance no later than March 31, or pay a minimum $95 annual penalty.

The law’s intent is to cover people who are now uninsured by making insurance accessible to everybody. But that means rates will rise for many because sick and healthy people will now be charged the same premium.

Adding a required list of 10 essential benefits to all plans is also significant. A study published last year in the journal Health Affairs said more than half of Americans who had individual insurance in 2010 were enrolled in plans that would not qualify because they didn’t meet all the new requirements.

Wood likened these mandates to the higher cost of buying cars today that must have safety features like air bags and anti-lock brakes.

The law also will often make some policies more expensive because it limits out-of-pocket expenses to $6,350 annually for an individual and $12,700 for a family. In addition, the law restricts the minimum and maximum premiums that people can be charged based on their age.

Now, a 64-year-old can be charged almost five times more than a 21-year-old. Beginning Jan. 1, it will be a 3-1 ratio.

Those explanations, however, don’t completely satisfy Waschura and Vinson.

“I’m not against Obamacare,” Waschura said. “It’s just the initial shock. I’m holding out hope that there will be a correction over a handful of years.”

But to Gray-Raine, the breast cancer survivor from the East Bay, that correction has already come.

“Obamacare is a huge step in the right direction for those of us without employer coverage,” she said, adding that she hopes everyone will “join in and make this new legislation a success for all.”




6 Things Every American Should Know About Obamacare


This is by john Hawkins in Town Hall.

This is only the beginning of the pain to be inflicted by Obamacare.


If you think every American should know these facts about Obamacare, do your part to spread this column around and make it happen.

1) Millions of Americans are paying much more for health care because of Obamacare. Obama’s new health care law has a lot of new requirements, restrictions, and red tape. That means the cost of plans is going up and the amount of competition in many states is going down. Because of this, the price of health care is soaring all across the country. Here are a couple of examples of how bad it is already getting.


Cindy Vinson and Tom Waschura are big believers in the Affordable Care Act. They vote independent and are proud to say they helped elect and re-elect President Barack Obama.Yet, like many other Bay Area residents who pay for their own medical insurance, they were floored last week when they opened their bills: Their policies were being replaced with pricier plans that conform to all the requirements of the new health care law.

Vinson, of San Jose, will pay $1,800 more a year for an individual policy, while Waschura, of Portola Valley, will cough up almost $10,000 more for insurance for his family of four.

How many American families can afford an extra $10,000 a year to pay for a service that they were already receiving?

2) Millions of Americans have LOST their health care plans because of the law. One of Barack Obama’s most famous promises about Obamacare was, “First of all, if you’ve got health insurance, you like your doctor, you like your plan – you can keep your doctor, you can keep your plan. Nobody is talking about taking that away from you.”

However, health care plans are being dropped all across the country by insurance companies because they don’t meet the minimum standards of the expensive new plans that are preferred by Obamacare. How bad has it already gotten? 800,000 Americans lost their health care plans in New Jersey alone.

3) The Obamacare website costs more than Facebook and it doesn’t work. How do you in good conscience roll out a product that just doesn’t work when people’s health is on the line? Worse yet, if the product costs this much and performs this badly, what does it tell you about how well it will work in the future?Facebook took six years to spend 500 million dollars, while the Obamacare website has already managed that same trick. Yet, the glitches on the website were so bad, that as few as five thousand Americans may have managed to sign up so far across thirty four states. When you are quite literally asking Americans to put their lives in your hands, that’s a stunning level of incompetence.

4) Obamacare is a terrible deal for young Americans. As a general rule, older Americans tend to have more experience, more money, and more assets built up. Yet, for Obamacare to work financially, young Americans have to take a big financial hit to supplement the cost of insurance for senior citizens. In fact, most young Americans would be better off getting a cheap plan that doesn’t qualify under Obamacare and paying the tax than they would signing up for an Obamacare approved plan.


A recent study by the National Center for Public Policy Research shows that:About 3.7 million of those ages 18-34 will be at least $500 better off if they forgo insurance and pay the penalty.

More than 3 million will be $1,000 better off if they go the same route.

When young Americans are already struggling with an anemic job market, piling on these extra costs is helping to put them even further behind.

5) Americans are losing their jobs because of Obamacare. America’s economy has been sluggish throughout Obama’s entire tenure as President and according to a study by numbers guru John Lott, 97% of the jobs added to the economy this year have been part-time. Obamacare is one of the biggest reasons that’s happening. Retailers are cutting worker hours at a rate not seen in more than three decades to try to make sure their employees don’t qualify under Obamacare. Full time workers are even being cut back to part-time because 50 full time workers is the cut off for a business being forced to comply with Obamacare’s mandates. In other words, not only is Obamacare causing a lot of problems with health care, it’s hurting our economy almost as badly.

6) America is still going to have tens of millions of Americans that are uninsured. The primary selling point of Obamacare was supposed to be that everyone would have health care. In fact, we heard over and over again that we had to pass Obamacare because “Forty million Americans don’t have health care.” According to the Congressional Budget Office, guess how many Americans won’t have health care in 2023? If you guessed thirty-one million, give yourself a pat on the back.

So these soaring insurance premiums, people losing their jobs, horrific website problems, and young Americans being hit with crippling bills along with forcing Catholics to do treatments that violate their religious beliefs, upcomingdoctor shortages, and government shutdowns are all so we can insure a few million more Americans over the course of a decade. Is it really worth it to hurt so many tens of millions of Americans just for that miniscule benefit?



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This is from Breitbarts Big Government.

I bet these disillusioned people are they same ones that believed every word Obama spoke. 

They were counting on utopia with rainbows and unicorns.

These fools called Conservatives racist and terrorist because we tried to tell the

country Obamacare was a dangerous scam and full of lies. 


On Thursday, the government’s official Obamacare Facebook page was riddled with people expressing sticker shock over the government’s high cost premiums after struggling for hours to wade through the technical failures vexing Obamacare exchanges all across the country.

“I am so disappointed,” wrote one woman. “These prices are outrageous and there are huge deductibles. No one can afford this!” The comment received 169 “likes.”

“There is NO WAY I can afford it,” said one commenter after using the Kaiser Subsidy Calculator. “Heck right now I couldn’t afford an extra 10$ [sic] a month…and oh apparently I make to [sic] much at 8.55/hour to get subsidies.”

Another person shared a link found on the federal government’s main Obamacare page listing premium estimates for small business employers:

The information is not very complete as I don’t see anything about deductible or other detailed info, but it does given an actual price as to the “Premium.” It is VERY SCARY!! For example, my insurance plan right now for my spouse and I costs $545 a month with 100% coverage after my $2500 deductible. We are both 32 years old. When I looked at this site for 80% coverage it says it will be $954.78 a month!!!! So compare my old Plan: 100% coverage for $545 a month To New Plan: 80% Coverage for $945 a month. This is only only an estimate but it is VERY Scary for me to see this kind of increase in rates and reduction in benefits!

A single mother of two said she is in school and working full-time while living “75% below the poverty level.” She said she was shocked to learn she did not qualify for a healthcare subsidy. “Are you F’ing kidding me????” she wrote on the government’s Obamacare Facebook page. “Where the HELL am I supposed to get $3,000 more a year to pay for this ‘bronze’ health insurance plan!?!??? And I DO NOT EVEN WANT INSURANCE to begin with!! This is frightening,” she wrote.

Amid scores of comments expressing frustration with technical failures, one woman said she is “just amazed you could even get to the point of seeing pricing” and that she had been trying to access the system for three days to no avail.

Obamacare sticker shock will not affect millions of low-income Americans; a New York Times analysis published on Wednesday found that Obamacare “will leave out two-thirds of the poor blacks and single mothers and more than half of the low-wage workers who do not have insurance, the very kinds of people that the program was intended to help.”

Obamacare will cost taxpayers an estimated $2.6 trillion over the next 10 years.



A Whopping 167 People Signed Up For Healthcare Exchanges in Connecticut

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This is from Town Hall.

As bright Blue as Connecticut is they exchange website would have been swamped.

Sounds like Blue State people do not want the crap known as Obamacare.


The State of Connecticut has a population of roughly 3.5 million. Of that 3.5 million, about 344,000 people lack insurance. Given these facts, one would think that Access Health CT, the health insurance marketplace for the state under the Affordable Care Act, would be flooded with applications the first day.

After all, according to the New Haven Register, “experts expect about two-thirds of the state’s uninsured will gain coverage under health care reform.” Two-thirds of 344,000 is roughly 229,000 people.

So were people signing up in droves? Not exactly. According to Connecticut Congressman Jim Hines, less than 200 applications were filed for health insurance on the first day of the exchanges. That is approximately 0.07 percent of the total number of people expected to gain coverage under the new law.

Today, the CT health exchange @AccessHealthCT received 28k visitors, and took 167 applications for health insurance. Day 1.

Wow! 167 applications?! That’s a smaller number than the senior class at North Haven High School. Of those 167 applications, only 83 were from people looking to find private insurance with a federal subsidy. The other 84 applications were for Medicaid.

By 2:11 p.m. on October 1, only 44 people had enrolled in an exchange program through Access Health CT.

Despite the fact that less than one percent of eligible people were enrolled in some sort of health insurance by the end of the first day of the program, Gov. Malloy ispleased with his state.

 “You get a lot of proud moments when you are governor, and this is one of the proudest.”

Alrighty then.


Even with technical difficulties as the site launched, @AccessHealthCT, the official Twitter account of Access Health CT, did not confirm a single healthcare enrollment until nearly 11 hours after the programs began.

We just confirmed our first enrollment! A family of 3 just got access to affordable health care coverage thanks to


19% of health care pros say Americans ‘will die earlier’ due to Obamacare

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This is from The Washington Examiner.

The article speaks for its self.

A unique new survey of health care professionals finds that 56 percent oppose Obamacare, with more than nine in 10 believing that there could be major negative impacts such as a drop in quality care. A shocking 19 percent believe Americans will die earlier.

In its 2013 Health Care Survey of 200 top health care professionals nationally, Coupa Softwaretold Secrets that health care professionals are worried about a number of setbacks that the health law could result in. Asked to list the “negative impacts,” of which they could pick several, here’s what Coupa found:

— 53 percent, “Quality of health insurance policies will suffer.”

— 51 percent, “Quality of care will go down.”

— 49 percent, “The law is overly complicated.”

— 42 percent, “Insurance exchanges will be poorly managed.”

— 37 percent, “The law still allows insurance companies to be the middleman.”

— 32 percent, “Too complex for businesses.”

— 19 percent, “Americans will die earlier.”

The company provides cloud-based finance applications for many of the nation’s health care providers and is especially focused on waste in the health care system. Their survey found that the health care professionals expect that many inefficiencies, such as unnecessary emergency room visits, will be fixed under Obamacare.

The survey displayed the split in the community over the law, with both positives and negatives being found. While 93 percent cited negative impacts, 74 percent also found positive outcomes from the law, the biggest being the availability of health insurance to those who don’t have it.

But that support for the law is offset by the overall view of the law by the health care community. The poll, which is being released Monday but was provided in advance to Secrets, found that 56 percent oppose most or all of the Affordable Care Act’s provisions. Only 6 percent favor all of the law, and 38 percent favor most of it.



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This is from Breitbarts Big Government.

This is one more reason Kentucky voters need to fire Mitch MC McConnell.

There are more RINO‘s need to be fired.


Andy and Amy Mangione of Louisville, Kentucky say their health insurance nearly tripled overnight from $333 a month to $965 due to Obamacare.

“When I saw the letter when I came home from work, it said ‘your action required, benefit changes, act now.’ Of course, I opened it immediately,” said Andy Mangione.

Andy Mangione told Fox News veteran reporter Jim Angle that nothing had changed about the health of his wife, himself, or their two boys.

“This is a high deductible plan where I’m assuming a lot of risk for my health insurance for my family,” Mangione told Fox News. “And nothing has changed, our boys are healthy—they’re young—my wife is healthy. I’m healthy, nothing in our medical history has changed to warrant a tripling of our premiums.”

The Mangiones’s insurance company, Humana, declined to comment. Humana did, however, include the following explanation in the rate spike announcement letter:

If your policy premium increased, you should know this isn’t unique to Humana—premium increases generally will occur industry-wide. Increases aren’t based on your individual claims or changes in health status. Many other factors go in to your premium including: ACA [Affordable Care Act—also known as Obamacare] compliance, including the addition of new essential health benefits.

Obamacare’s government healthcare exchanges go live nationwide in six days.


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