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Read & Share Your Obamacare Stories

Below are responses from real people across North Carolina describing how the Affordable Care Act (Obamacare) is making health insurance far less affordable while often forcing them off their current plans.

If you want, you can share your Obamacare story with us!

MOTHER OF TWO CHRONICALLY ILL CHILDREN “BEING DESTROYED BY OBAMACARE”…MEDICAL COPAY FOR VITAL MEDICINE SKYROCKETS BY 306 PERCENT…DEDUCTIBLES AND COPAYS SOAR

“I have two kids with chronic, life-threatening illnesses. We are being destroyed by Obamacare. I made a video that explains it all: 

We are currently at $22,700.21 in OOP Medical this year thanks to the increases in copays, deductibles, and OOP Maxes. Our worst year financially in 17 years and not even our worst year medically speaking, either! The number has increased from August when I made the video explaining it all. We also found out yesterday that the total increase of our premiums for 2014 is $1,537.64 increase from this year. That’s a $3,066 increase since the law passed. I have pictures of the letter my husband’s employer sent out in August explaining that their health care plan costs are going to increase $7.4 million in 2014….. so we knew there would be increases. I also have pictures of invoices on my blog: www.catholicteapartyhippie.blogspot.com A medication that protects my youngest son’s kidneys from damage had a copay of $131 from 2005-2010… After Obamacare passed, the copay skyrocketed to $532

I have a public photo album of a few of our bills on FB… not sure if this link works http://www.youtube.com/watch?v=sbHd5qTHktA&feature=share&list=UUrwbRsmGvKdtFJP8TOGkYSg

Where we used to pay 4-5K per year in medication copays, we are now on track to pay 10K this year. We have currently paid with flex, cash and credit $7,143.93 for those same medications and have a few more months left in the year. From 2005-2010, our deductible increased $50 ($10/year). Since Obamacare passed, our deductible has increased $1,200 ($400/year). From 2005-2010, our OOP max increased $500 ($100/yr) Since Obamacare passed, it increased $3,000 ($1,000/year) .

A copay for a blood product my son infuses weekly stayed the same from 2005-2010. Since the law passed, it has increased 100%. Still one of our more affordable copays, but a 100% increase is crazy. Before Obamacare, our plan was an 85/15. The company dropped it to a 80/20 because of Obamacare.

If you can’t open the FB picture album, let me know, I can email you pictures. I have one envelop (small) with the first $2,500 we paid with flex and then a huge one with most of the other bills.The decreased ability to itemize deductions will hurt us when we file taxes! The drop in flex harmed us greatly- we used the $2,500 by Jan 19th of this year.

Anyway, sorry for such a disjointed letter. If you watch my video, it is pretty clear. The medical device tax affects us because our insurance company pays more for the medical supplies and catheters we use. Then passes the cost on to us via higher deductibles, premiums, OOP Maxes and copays.”

Click the thumbnail to see the insurance report Obamacare Rate Increase Letter

LOSING CURRENT PLAN “DUE TO ACA REGULATIONS”….PREMIUMS TO DOUBLE….WITH HIGHER DEDUCTIBLE

BCBSNC premiums for my husband and myself both more than doubled with the deductible being increased. Our plan was discontinued and we have been rolled into another plan. Plan information has been scant. They make no mention of our former HSA. We cannot pay double the premium for less coverage in our budget. This is our grocery money.

BCBSNC tells me they are required by law to change our policy and need no further authorization to take more money from us.

I will be forced to cancel the policy we have now to avoid the automatic roll-over and having grocery money automatically being taken out of our checking account by BCBSNC in January.

This is devastating to us. All this stress is going to cause us all to have more health issues. Currently in survival mode. How can we survive the economic impact of being uninsured?

LOSING CURRENT INSURANCE “DUE TO ACA REGULATIONS”….PREMIUM INCREASING 86 PERCENT…WITH HIGHER DEDUCTIBLE AND OUT OF POCKET EXPENSES

Like everyone else purchasing their own insurance, my rate is going up substantially. I have been self-employed my entire adult life and have always purchased my own health insurance. At age 50, I am seeing a substantial increase in my policy. My letter from BCNC states that my current plan, BC Advantage Plan B, is no longer offered due to ACA regulations. I guess if I like my current insurance, and I do, I can’t’ keep it. Here is their summary to me:

Your Current Plan: Plan B Your Plan Next Year: Blue Advantage Silver 3500
Monthly Cost: $230.30 $427.71
Network: Large Large
Primary Care: $25 $25 In Network/60% out of network
Deductible: $3,500 $3,500 in-network/$7,000 out-of-network
Max out of Pocket: $3000.00/$6000 $6350 / $12,700 In/Out-Of-Network

Basically, my premiums are going to nearly double, up 86 %! This is affordable? Well maybe, you see I am getting “New or Expanded Coverage”; let’s explore this further. Oh, I see, I also get maternity and newborn care coverage (did I mention I am 50?), I get increased mental health and substance abuse services ( I have never drank, smoked or used any drugs in my entire life), I get Pediatric services including oral and vision (for the children I have never had). So, for $197.41 I get all these extra benefits that I will never use; I guess our government thinks this will make it affordable to me.

However, it really does not end there. Remember how it is supposed to be made affordable by the “subsidy”? Guess what? I don’t qualify. Not that I would want one anyway; you see, I actually believe in personal responsibility and that I am the only one who is supposed to take care of me. How about that increase in Maximum Out of Pocket? That has risen by $3350-$6,700 depending on whether I stay in or out of network. Let’s say I actually use my insurance (this year to date I have only had $161.07 applied to my deductible). The most I could be out of pocket is my $3500 deductible and my Out of Pocket Co-Insurance for a total of $6500-$9500. However, under the ACA, it will go up to a total out of pocket of $9850-$19,700. That is an outrageous increase of 51.5% to 107% depending on whether I stay in or out of Network.

So let’s add it all up and decide if the Affordable Care Act is in any way Affordable. My personal expenses for a year now could at a max be the following: $2763.60 yearly premium + $3500 Deductible + Max out of pocket of $3000-$6000 = $9263.60 to $12,263.60 maximum cost of my medical care for one year. Under the ACA, my max could be: $5132.52 yearly premium + $3500 – $7000 Deductible + Max out of pocket of $6350-$12,700 = $14,982.52 to $24,832.52 maximum cost of my medical care for one year. Is this Affordable? A 62.8% to 102.5% increase in medical expenses if I become seriously hurt or ill? And, if I remain healthy and use my insurance similar to this last year, I am looking at an 86 % increase. This begs the question, who is this Affordable to: those of us in the Middle class? Personally, I don’t thinks so.

YOUNG, HEALTHY FEMALE TO SEE PREMIUMS TRIPLE…

“My daughter who is 25yo and healthy has a policy with Blue Cross & Blue Shield. She is currently paying $70.00 monthly for health insurance. Effective
January 1st, her monthly premium will increase to $210.00 per month. She recently graduated from college, has a good job, but this cost is making it
impossible for her to get established in life.”

CURRENT INSURANCE DROPPED “DUE TO ACA REGULATIONS”…PREMIUM WOULD INCREASE 81 PERCENT…A RISE OF MORE THAN $450/MO…FORCED TO DROP COVERAGE BECAUSE IT WILL BE UNAFFORDABLE

“I received a letter from BC/BS this week letting me know that my current plan will no longer available in 2014 because of the ACA (Obamacare), and the closest plan will now be $1,019.49 per month instead of the $562.21 I’m now paying (out of pocket because I don’t get benefits being self-employed). That is an increase of $457.28 a month ($5,487.36 a year) which I can’t afford and will have to drop. Didn’t Mr. Obama say that if we liked our plan we can keep it? Just another lie and another reason congress should have found out what is in it before passing it (Ms. Pelosi).”

Click the thumbnail to see the insurance report Obamacare Rate Increase Letter

CURRENT INSURANCE DROPPED “DUE TO ACA REGULATIONS”…PREMIUM TO TRIPLE

“My wife Barbara was laid off from her job in April,2012 where she had health benefits. Since she is not yet eligible for Medicare, we had to find coverage. Farm Bureau of NC/NC BlueCross had a $5000 deductible plan that cost $216.16 per month. On September 27, we received a letter from BlueCross informing her that the existing policy would expire at end of December,2013. A new “Bronze” policy would replace it in 2014 that complies with the new law in force for 2014. This new policy would “match” the old policy but the cost per month would be $657.45 per month. This increase is over 200% and represents an annual cost increase over $5200. Since our social security income and IRA income puts us over the $46,000 level, we are not eligible for any subsidy.

We have asked Farm Bureau to come up with a plan to reduce but have not heard back from them yet.We are in contact with CoventryOne and their $5000 deductible is in the $350/month range. We assume that the extra $5200 cost per year from BlueCross is the tax that John Roberts was referring to when he voted in June,2012 to allow the ACA to go forward in a 5-4 decision in the Supreme Court. Don’t know if John Roberts and his family have faced a 200% rise in their monthly health care premium costs for 2014.”

PREMIUM INCREASE OF 52 PERCENT…

“Mr. “No one making less than $250,000 will see any tax increases” has increased my BCBSNC premiums 52.5%, from $576.87 per month to $879.93 per month with no limit on out of pocket expenses. This is another 5% of my income gone to the government and Democrat policies. And as we know from experience, it only gets worse, never better under any political party’s watch.”

Click the thumbnail to see the insurance report Obamacare Rate Increase Letter

FULL-TIME WORKER HAVING HOURS CUT TO 25/WK…

“My husband has been with the company he works for since its beginning (around 22years). He is the oldest and longest employed person in the business. This year the owner of the company told him he was “going to do him a favor” and cut his hours from 40 hours per week to 25 hours per week. The sad thing is, he is required to work five days a week for five hours. He still has to spend the same amount of money for travel. The owner did give him an increase in pay, but it does not compensate for the loss in revenue from the reduction in hours. He receives no benefits or insurance. Thank you “OBAMACARE”

LOSING CURRENT PLAN…NEW PLAN HAS HIGHER PREMIUMS, DEDUCTIBLES AND COPAY

“My wife and I have had continuous coverage with NC BC/BS since 1-1-2004 and believed that we would be able to continue our coverage based on Obama’s 3-2010 statements that anyone who was already covered would not lose their coverage or doctors. It was a lie. We have been “mapped” from the B tier of Blue Advantage to the Silver 2800 plan. Our deductibles have increased as well as our copays for both doctors and prescriptions. We do not know at this time the extent of the doctor network. For this we will now be paying $1,376.24 per month. So much for the “Affordable Care Act”. I always thought the liberal left was concerned about the equal application of the law. Over 1100 exemptions have been granted to corporate America and the unions, what about individual middle class Americans. Once again Obama’s rhetoric falls far short of his actions.”

CURRENT INSURANCE DROPPED “DUE TO ACA REGULATIONS”…PREMIUM INCREASES 150 PERCENT

“We just got a letter from Blue Cross Blue Shield explaining that my husband’s current insurance plan was not ACA-compliant, and therefore he’d be transferred to a new plan that would entail a 150% increase in his premium. Lucky for him, the new plan includes ACA-required benefits like newborn and maternity care. Really?!?! In the year we’ve had his current plan, he has never had a claim against it and he’ll be paying an extra $1,800 per year going forward for insurance services he doesn’t need. “

LOSING CURRENT COVERAGE…NEW PREMIUMS WOULD BE 50 PERCENT HIGHER…COST $4,200 MORE PER YEAR…WITH HIGHER OUT OF POCKET EXPENSES

“We have responsibly purchased health insurance for the last 9 years, spending over 75K on premiums for family coverage, and only one time receiving any benefit from an outpatient procedure. We have averaged roughly $1200/year on out of pocket doctor visits and prescriptions. We have switched carriers a few times and chosen policies with higher deductibles to bring our premium down to where we can swing it. We currently have BCBS – they renew all of their individual policies on January 1 of each year not on the date of purchase as other carriers do. We received a notice that our policy was not grandfathered and that they would “map” us into a like policy. The next letter informed us that the monthly premium was increasing $351/mo. We currently have a policy with a deductible of $5450 w/100% coverage after deductible. With the new policy our family deductible would be the same however with a 50% co-insurance up to $12,700 — essentially a 100% increase in out of pocket expenses and a 50% increase in premiums. We do not qualify for subsidies.

Our options are as follow and this may help some other people. 1) we can opt out w/out penalty because the cheapest policy premium that is offered is more than 8% of our income – at the same time purchase accident insurance and up our disability coverage; and 2) we can buy an non-compliant Aetna (or other carrier) policy with an effective date of Dec 15 (like policy of current coverage is slightly higher than what we pay now) that will renew Dec 14, 2014 and then force us into an ACA compliant policy without penalty because the law states that you have to purchase and ACA compliant policy when your policy renews in 2014.”

CURRENT INSURANCE DROPPED “DUE TO ACA REGULATIONS”…PREMIUM INCREASE OF 63 PERCENT…LESS PRESCRIPTION DRUG COVERAGE

“We have been self employed for over 30 years, and consequently purchased our own health insurance. We are 56 years of age and healthy.

We first received a booklet from Blue Cross/Blue Shield, that said “You cannot stay with your current plan, so you have to be switched to a new 2014 plan.
You may see a substantial impact on your rate.”

Then the next week re received our renewal letter. It said “Due to ACA regulations, you current BCBSNC medical plan will no longer be offered for
2014…….we will transition you to the Blue Advantage Silver 3500 plan. Our rate went from $684.00 to $l,ll7.42. This is for a 70/30, $7000 deductible
plan.

The next week we received a copy of what the plan covers. Under the prescription drug coverage, After a $200.00 deductible, Preferred brand drugs are $50
per prescription, Non-Preferred brand drugs are $70 per prescription, Generic drugs NOT COVERED. How does this save anybody any money. Who was protected
with Obama Care? No wonder the drug companies back it.

I called my congressman Senator Richard Burr (R), told his answer machine my story, no response.

I called my congressman Senator Kay Hagen (D), told her answer machine my story, no response.

I called my congressman Representative GK Butterfield (D) told his aid my story, and he told me to go to the exchange. I told him that in my opinion that
was not a viable answer because the Feds are BROKE. I was not a burden to my government before Obama Care, and now I will be. I don’ want to be a burden to
the government. He told me he gave me a solution, and if I didn’t take it, it was on me.

Where is the outrage for people like us??? I want to see publicly a story on all the folks that lost their health insurance due to Obama Care vs those that
bought coverage.

On another note, a friend whose wife works for Ferrell Gas full time with health coverage, got a letter telling her that come Jan. 1, she will now be part
time, with no health insurance. So….now she is out pay, out health insurance, and supposed to purchase health insurance. With What?? We need help NOW
before this all goes into effect.”

Click the thumbnail to see the insurance report Obamacare Rate Increase Letter

290 PERCENT INCREASE IN PREMIUMS…FROM $248/MO TO $968/MO…LOSING CURRENT PLAN “DUE TO ACA REGULATIONS”

“I just received my notice from BCBSNC of my new medical insurance premium. I now pay $248.18 for a high-deductible policy for my wife and me. According to the attached, the equivalent policy under ObamaCare will cost me $968.48.”

“I called BCBSNC and they verified that this was not an error or a joke. The letter also listed all the great things I get in return for a premium increase of 290%: maternity & newborn care [I am 55, no more babies planned], dental & vision for children, habilitative [is that a word?] care, and increased benefits for mental health and substance abuse. Clearly we are not going to see a $2,500/year reduction in premiums.”

Click the thumbnail to see the insurance report Obamacare Rate Increase Letter

135 PERCENT INCREASE IN PREMIUMS…FROM $465/MO TO $1,096/MO…LOSING CURRENT PLAN “DUE TO ACA REGULATIONS”

Click the thumbnail to see the insurance report Obamacare Rate Increase Files 2

LOSING CURRENT PLAN “DUE TO ACA REGULATIONS”…..PREMIUMS FOR TWO POLICIES INCREASE BY $8,227 PER YEAR….NOT ELIGIBLE FOR SUBSIDIES….INCREASE OF OUT-OF-POCKET PAYMENT EXPOSURE INCREASED BY ANOTHER $8,350

“Our covered family consists of a 57 year old father, a 55 year old mother, and one age 23 year old son in graduate school. I am self-employed and my wife works for a non-profit entity. The son is on my policy as a dependent which is only very slightly better than a HSA qualified plan in coverage. My wife has her own HSA policy. We are healthy and have not required heavy use of healthcare providers. Thus, we picked our plans based on the low cost and reasonably low coverage.

Last Friday we both opened the notices from Blue Cross and Blue Shield stating our old plans were no longer offered and gave us the premium cost and changes in coverage for the “most comparable plans” for us to transition to from those available beginning January 1, 2014.

Now the shocker!!

First, the total premiums for the two policies, with less coverage and higher deductibles and co-pay requirements INCREASED by $8,227 per year. We do not appear to qualify for any subsidies.

To add insult to injury, the deductibles have increased, and co-pay amounts have changed to the point that our out of pocket exposure on self-pay of health care costs on the two policies has increased by $8,350.

In summary, our minimum direct increase in cost is 8,227 while in the case of accident or severe illness another INCREASE in out of pocket cost of $8,350 brings our total cost INCREASE and exposure to $16,577.

This is outrageous!!! It is a mandated cost from the federal government for which we are getting absolutely no benefit. Even though I think the Supreme Court was ruling on the penalties for no coverage as being constitutional by calling it a “tax”, in my opinion, this increased cost in premiums and increase cost in risk in the out of pocket cost changes is tantamount to a tax as well.

I do not know many that wouldn’t be taking up their pitchforks and torches and storming the Capitol if Congress raised taxes $8,000 to $16,000 in one year and all future years on middle income families.

On a post note, more than 25 times over 2 1/2 days I have been unable to get any information on what’s available through the marketplace or exchange from the website healthcare.gov.

I cannot believe the news media isn’t giving this more coverage. Maybe that is because the purchasers of individual policies directly from the insurance companies is only 10~12% of the insured American. Others that actually pay for their insurance obtain it through their employer and at worst share the cost on single coverage with the employer and obtain other dependent coverage through that same plan. See second paragraph below on why they aren’t aware of the impact on them yet.

See the information below is from the US Census on percentage of Americans obtaining healthcare insurance from employers, public health insurance programs as quoted on Wikipedia:

“According to the United States Census Bureau, roughly 55% obtain insurance through an employer, while about 10% purchase it directly. About 31% of Americans were enrolled in a public health insurance program: 14.5% (45 million – although that number has since risen to 48 million) had Medicare, 15.9% (49 million) had Medicaid, and 4.2% (13 million) had military health insurance (there is some overlap, causing percentages to add up to more than 100%)”

As a CPA, I know most people obtaining coverage through their employer are not paying much attention to this yet. They haven’t been given any information on their increase in cost because 1) Large Employers were given another year before having to provide the mandated policies by President Obama’s executive order in July, 2) most small employers with group plans have employed a technique called “early renewal” and changed their group plan year ends to a Oct or Nov year end and thus delayed the implementation of the mandated plans to their group (effective for plan years beginning after December 31). In the process they locked into another 10 or 11 months of only a 10% or so premium increase. 3) With many, if not most employer provided plans the employer is paying the majority of the premiums with only a 20~30% cost share being paid by the employee. Many employees will shoulder only 20 or 30% of the increase, and/or see the level of coverage offered by their employer decrease as a cost containment measure.

They either aren’t paying attention, or don’t know how upset they should be since they haven’t seen the cold hard numbers on what the costs to them and their employers will be. Employers will be 1) drastically changing the types of plans they offer (e.g. providing “Bronze” level coverage instead of “Silver” level coverage 2) reducing the employer cost share percentages pushing more cost to the employee, 3) drastically changing the part-time/full-time make up of their workforce and 4) reducing jobs where ever possible. There are numerous strategies and alternative that large employers have to option to employ to attempt to contain their costs. Collectively, the real pain and adjustments will be felt and dealt with next fall for most employers and employees.

I am a member of the 10% purchasing health insurance directly from the insurance company. Needless to say, I am upset, very upset. I feel mislead and outright lied to. I think Americans should be given the opportunity to see these costs before it could be forced on them. This information should have been available BEFORE the elections and before any bill implementing it was voted on. None of this “”We have to pass the bill so you can find out what is in it.” manure.

I have plenty of documents with the personal numbers mentioned in this submission. However, the BCBS quoted rate for 2014 is for a Silver 3000 plan listed on their website for a 57 year old, non-smoker living in Craven County. I will also point out we supposedly only have two providers for Craven County. One is Blue Cross Blue Shield. I have no idea who the second one is since for two days I have been unsuccessful getting any information off of the healthcare.gov web site on the North Carolina Exchange. It ALWAYS says it has too many visitors, crashes, or for some reason says the username and password I set up on Monday is invalid. (and I was very meticulous about setting it up and recording). Attempts to gain access by resetting said “invalid” usernames and password to the website are supposed to be sent to me by email by healthcare.gov. It’s been more than 6 hours since it said the email has been sent. It has not arrive yet. No surprise. The website isn’t working any better than any aspect of the whole program…which we were told would reduce costs since more premium payers would be brought in to the system. Malarkey!!!”

LOSING CURRENT PLAN “DUE TO ACA REGULATIONS”…..PREMIUM INCREASE OF 157 PERCENT…NOT ELIGIBLE FOR SUBSIDIES

“I am the principal of a small consulting company and have my own insurance policy through BC/BS of NC. It is an HSA policy with a high deductible and allows me to contribute $4250 annually tax free. My premium for this policy is about $220/mo, as I am healthy and in the low risk pool. I loved the policy and it was working well for me. Last Monday, I received a letter from BC/BS stating that my current policy is “non compliant” and they can no longer offer that policy. My “new” policy is a bronze level policy with a monthly premium of $564.90 and a deductible of $5500 annually. This is approximately a 260% increase in my monthly premium. BUT…I am now able to get maternity and lactation benefits, neither of which I could possibly use, as I am 64 years old! I also do not qualify (legally) for any subsidies. When I called BC/BS to inquire about other options, I was told after about 30 minutes that they couldn’t give me any other rate information, as the rep couldn’t access the info. I would need to call back in a week or so.

For me, it doesn’t make sense to pay that much more (and no tax benefit). I will most likely opt to pay the fine this year. I have to believe that others will make the same decision and probably in about 3 years, BC/BS will be out of business! “

Click the thumbnail to see the insurance report Obamacare Rate Increase Files 1

PREMIUMS DOUBLED….MEDICINE CO-PAY NOW FIVE TIMES HIGHER

“My premiums are going up $276 a month. Medicine co-pay is now $50 instead of $10. We are looking at $376 hike. Crazy! That is almost double of what we were paying”

PREMIUM INCREASE OF 125 PERCENT….OUT OF POCKET INCREASED BY $1,000

My out of pocket has gone up $1,000 and my premiums have go up to 125%. I am required to pay for “coverage” I will never need (maternity and who knows what else). All the dems who voted for this INCLUDING KAY HAGAN are rotten to the core.

HEALTHY, TWENTY-SOMETHING FEMALE, 24 PERCENT PREMIUM INCREASE

Click the thumbnail to see the insurance report Obamacare Rate Increase Files 4

PREMIUM INCREASE OF 165 PERCENT….EVEN WITH HIGHER DEDUCTIBLE

“BCBS…paying $357 with a $10k deductible…New rate with $11k deductible…$945.88

Thank Kay Hagan for me.”

PREMIUMS VIRTUALLY TRIPLED….INSURANCE NO LONGER AFFORDABLE, FORCED TO RELY ON TAX SUBSIDIES

“I’ve had insurance with Blue Cross/Blue Shield (BCBS) and have been paying $202 a month this past year.

I just received a letter from BCBS informing me that on January 1, if I wish to continue to carry insurance through BCBS, a policy that is ACA compliant and most similar to the coverage I was paying $202 dollar a month for, I would have to pay $599 per month.

I cannot afford this increase, so I would be forced to apply for subsidy. This means that American taxpayers would be paying more in subsidy to the insurance company for me than I was paying for myself before the “Affordable (?) Care Act intruded.”

SELF-EMPLOYED….PREMIUM INCREASE OF 77 PERCENT

I am self-employed and buy my own insurance, a BlueCross BlueShield of NC “Blue Advantage” policy. This weekend I received my new premium notice for next year. In order to be consistent with ObamaCare, my policy is being converted to a compliant new policy and my new premium will be 177% of my current premium. Yes that is a 77% increase. I have a serious medical condition and am afraid to shop around. I need to stick with my current provider. For no additional value, I will be paying thousands and thousands of dollars more a year to cover my 4 person family. I am outraged. I want this socialized medicine bill repealed fully.

LOSING EMPLOYER’S PENSION HEALTH COVERAGE….

“We have been given notice from Honeywell that our pension healthcare coverage will not be available anymore! and that we can get healthcare through the exchanges. So, for all the people depending on this added coverage, it is gone. Sadly, when companies can save a dime on the backs of employees, they will do it, so Obamacare fits their needs nicely.”

YOUNG MOTHER OF TWO LOSING CURRENT PLAN “DUE TO ACA REGULATIONS”…CHILDREN’S INSURANCE PREMIUMS INCREASE $1,800/YR

“My 33 year old daughter received notice that her Blue Cross & Blue Shield policy did not comply with Obamacare & was given a new policy that would be $150 more a month for her 2 boys. Also she & her husband will be penalized for not having insurance. I explained they would probably qualify for a subsidy & she said, “No way”. But what choice does she have?”

LOSING CURRENT PLAN “DUE TO ACA REGULATIONS”…NEW PLAN WOULD COST TWICE CURRENT PLAN

“My plan is no longer valid and a similar plan will cost me more than double what I am paying now. There is no way I can afford this increase.”

INSURANCE PREMIUMS INCRASED BY MORE THAN $5,000/YR…WITH HIGHER CO-PAY AND OUT-OF-POCKET EXPENSES

“My family has been purchasing a BCBC Individual policy for seven years. Our premiums have gone up in the past, but maybe 6 – 9%. The policy was still affordable until ObamaCare. We just received our rate increase notice for 2014. Due to the implementation of ObamaCare, our rate will increase by approx. $441.00 per month. Also, our out-of-pocket has increase and the co-pay dropped from 75% to 60%. We do not want to go on an government exchange. The “Tax Credit” is tax revenues being paid directly to BCBC, then we pay the monthly premium. Isn’t the tax revenues still our money. Indirectly we end up paying the entire bill anyway. Or it is some other tax payers’ money. Either way the government sub. is WRONG. We do not want to go on the government exchange anyway. We hope if we keep our private insurance, no matter how expensive, we might avoid the government intervention in our healthcare decisions. No “death panels”, etc.”

INSURANCE PREMIUMS WOULD INCREASE 156 PERCENT…WITH HIGHER DEDUCTIBLE….FORCED TO DROP COVERAGE AND PAY FINE INSTEAD

“We received our 2014 health insurance premium in the mail on October 7.

Currently our premium is $300.43 and will rise to $767.68 next year. On top of the huge premium increase our deductible will be $5,500 per person and $11,000 for the family (there are two of us).

For the first time in 47 I won’t have health insurance next year and for the first time in 53 years my husband won’t have insurance. We will pay the fine and self insure until the ACA can be repealed (I am confident it will eventually be repealed).

This is outrageous!”

INSURANCE PREMIUM FOR HEALTHY FAMILY DOUBLED…

“My monthly insurance premium has doubled. We are a healthy family, relatively young, no history of health problems.

This summer I sent a letter to Senator Kay Hagan asking whether she still supported the Affordable Care Act, even though my premiums doubled, and her response was a form letter touting the benefits of the Affordable Care Act, such as how it would lower health care costs for millions.”

INSURANCE PREMIUM TO INCREASE 96 PERCENT…

“My premium is estimated to increase 96.1% (BCBS of NC) when my contract expires next summer.

I went to the healthcare.gov website, and after a lengthy delay, was allowed to set up an account. When everything was done, I got a “Success- your account has now been established” message. However, when I clicked the “NEXT” button to see what programs would be available, I got an “ACCESS DENIED” message stating that I was not authorized to view the site.”

LOSING CURRENT PLAN “DUE TO ACA REGULATIONS”…INSURANCE PREMIUM TO RISE BY 600 PERCENT…WITH HIGHER DEDUCTIBLE

“I am on medicare but my wife still needs insurance so we purchased a high deductible plan to cover catastropic illness through BCBS of NC for just over$100 per month. At the end of Sept we received a letter indicating they were canceling my wife’s plan and the most similar ACA plan would increase the monthly cost by just under 600%.

I called a BCBS local agent and was told that this new plan had higher deductibles but we were now covered for maternity care. Thanks Kay just what we need.

He suggested we find a non-ACA plan and pay the fine if we wanted to save money on the premium. So her insurance went from about $1,200 per year to over $7,000 and if she gets sick, we have to pay even more than before out of pocket.

Luckily, she has never once used her health insurance, so we probably won’t have to pay the deductible.”

LOSING CURRENT PLAN “DUE TO ACA REGULATIONS”… PREMIUMS TO SPIKE 267 PERCENT….WITH HIGHER DEDUCTIBLE

“My daughter just received a letter from her health insurance provider, Blue Cross/Blue Shield of NC, of a premium increase. They notified her they could no longer keep her and her family in their program “because of the Affordable Care Act”.

They currently pay $298 per month with a $15,000 deductible plus a copay (least expensive). As of January 1, 2014 their premium will be $1,095 per month and their deductible will be $20,000 with a $20 copay, which BC/BS says is the closest they can get to their original plan! The deductible is PER PERSON! This premium is more than their mortgage!

My daughter and her family are already in bankruptcy. She makes $9 per hour at a parttime job. It would take more than her entire annual gross salary to pay for this! They are both in their mid 50’s and live paycheck to paycheck.

Where is this “if you like your insurance you can keep it”?

Per the advertisements, they should probably qualify for a subsidy. However, her husband’s company does offer insurance, but that cost is prohibitive as well and they would lose their home if forced to take that insurance. They don’t want to be on the government dole any more than most folks. ENOUGH!”

PREMIUM INCREASE OF 120 PERCENT…WITH HIGHER DEDUCTIBLE

“I’ve had health insurance thru BCBS as an individual policy for 10 years. The current policy is a 70/30 payment scheme with a $3000 deductable. My current premium is $327.19 per month. The ACA policy is a 70/30 payment scheme with a $3500 deductable with a premium of $722.15 per month. I’m still attempting to determine how the word affordable is applicable.”

YOUNG MALE TO SEE PREMIUMS BALLOON BY 480 PERCENT…

“My nc blue cross blue shield went from $44/month to $255/month as a single, male, Asian 30 year old! Is there anything I can do!?”

SENIOR ON MEDICARE ADVANTAGE TO SEE 1,000 PERCENT PREMIUM INCREASE….WITH NO INCREASE IN BENEFITS

“Let’s not forget about the burden Obamacare is placing on seniors, who are not even eligible for it. Because of the $750 billion dollars Mr. Obama has taken out of Medicare Advantage, my premium will go up from $6 per month to $61 per month. I believe that’s about 1000% increase – with no increase in benefits and the same high co-pays and a cap on out of pocket expenses of $6700. And we haven’t heard yet what the increase in the Medicare Part B payment will be but it is rumored to be approximately 16%. Seniors are being hurt tremendously by this abomination.”

Click the thumbnail to see the insurance report Obamacare Rate Increase Letter

RETIREE LOSING EMPLOYER COVERAGE….NEW PLAN WOULD COST $7,400 MORE PER YEAR

“I am retired and on Medicare, the Company that I retired from was providing money to purchase supplementary insurance but has dropped that coverage as of 12-31-13. This will cost us an additional $7,400.00 a year. However my Prescription coverage decreased from $61.00 to $41.00 per month, don’t know how that happened!

My wife is not on Medicare, we are waiting to hear from NCBC/BS on how much her premium will be going up. May have to go back to work to make up the difference.”

RETIREE LOSING EMPLOYER COVERAGE….

“I took early retirement from IBM in 1991. Throughout the intervening years I’ve enrolled, annualy, in the medical benefits offerred by IBM from a limited variety of medical insurance providers, United Healthcare, Cigna and currently, an Aetna Medicare Advantage plan. This month IBM retrees like myself received notice that IBM would discontinue offering coverage theough these providers in 2015.

There was no mention of the Affordable care Act in this notice. Only that we could keep our present coverage through 2015 or choose to select from a plan offerred through a company called Extend Health which acts like an insurance exchange offering a variety of individual plans from a variety of Insurers. That selection process is irreversible and, if elected, would be subsidized by IBM to an amount recently specified.

I don’t yet know what the fallout of this process will be, whether beneficial or detrimental with respect to coverage and cost but the timing leaves little doubt that, in my opinion, IBM is reacting to the implementation of Obamacare to protect themselves from as much of the negative financial impact as their considerable team of policy analysers have determined will result. IBM asserts that they are not taking this action to reduce their current level of financial support for providing medical benefits to retirees. But this begs the question of what it will cost their retirees to acquire equivalent coverage through the Extend Health exchange.

My situation is simple. I’m a widower with no dependents. What I’ll decide for 2014 coverage

NEW BUSINESS PLANS ON HOLD DUE TO HEALTHCARE UNCERTAINTY….

“I have been engaged in a business start up for the past five years. When it was first ready for introduction and capitalization, the crash of 2008 stopped its progress. That period discouraged investors from any involvement until the dust settled and the future became more clear.

Now, encouraged to re-initiate the start up, I can not get firm quotes form insurance commercial carriers for staff hospitalization coverage. These benefits are important in the projections and crucial in attracting good people.

The project has been held up by two delaying factors:

1. UNC Hospitals’ unwillingness to sign a purchase agreement – six months

2. Inability to obtain firm quotes from insurance carriers – four months

The whole business sector is probably curtailed from making progress in this insecure environment. If someone wanted to delay American business or crush it, they could not be a better job than is being done by this earthquake change(ACA) or example of leadership designed to fail. This is the latest debacle on the way to the CON hurdle.”

EMPLOYER FORCED TO DROP COVERAGE, NEW PREMIUMS WOULD BE $4,000/YR MORE….

“In late spring 2013 I was notified by my boss, the owner of a small family plumbing company, that he might have to drop our company insurance at the end of the year. October 1st would be the first day for me to take a look at my options. I make an average salary; in fact with what I was paying now I could hardly get by, juggling who gets paid and who waits and who we have to pay to get it turned back on. Much to my surprise, I learned that affordable health care was going to cost me around $4,000 more a year!”

LOSING CURRENT PLAN “DUE TO ACA REGULATIONS”…PREMIUMS WOULD MORE THAN DOUBLE

“Our BCBSNC premiums went from $488/mth to $1100 due to the ACA as stated by the letter we got. We were not grandfathered into our current plan we chose and worked for us because we made a change to that plan after 3/23/10 when Obama signed the law. One of those things you had to pass the law to know what was in it. We are being punished for the same plan others are paying much less for. 110% increase for NOTHING. This is unsustainable for my husband and I. We are 2 healthy retirees who do everything to stay healthy and we are now over-insured and don’t have a plan we want or need. I don’t care what John Roberts said, it’s a penalty and for us, unsustainable. This is year #1. I can’t imagine how much it will go up in year #2 and so on. Exempt America.”

FATHER AND SON LOSING CURRENT PLAN “DUE TO ACA REGULATIONS”…PREMIUMS TO INCREASE $2,100/YR

“My husband and son both have policies with BCBSNC. As of January, those policies will no longer exist, so they’re being “transitioned” to new policies–at a cost of $175 EXTRA per month.”

LOSING CURRENT PLAN…PREMIUMS TO INCREASE BY 110 PERCENT…WITH A HIGHER DEDUCTIBLE

“My health care went from $120 a month to $251 a month. I am a 37yr old MALE with no health problems, non-tobacco user and I am being forced off of my current plan to a plan with a higher deductible. I am also being forced to purchase a healthcare plan that includes maternity insurance. Maybe Obama knows something I don’t, but I don’t plan on getting pregnant any time soon.”

LOSING CURRENT PLAN “DUE TO ACA REGULATIONS”…PREMIUM INCREASE OF 148 PERCENT…..HIGHER DEDUCTIBLE

“I am 62. I was laid off from a great hi-tech job a year ago, thanks to poor sales from the Obama economy and the impending ObamaCare. I could not find a replacement job of any kind, so I have retired on Social Security.

For 2013 I’ve had an individual plan with BCBSNC (Blue Advantage Saver 2) for $248/mo and with a $3500 deductible. It’s no longer available after 2013, so I guess Obama’s promise about “If you like your plan, you can keep it” was just a lie. Last month BCBSNC offered me a “Blue Advantage Bronze 5000″ plan for $616/mo and with a $5000 deductible. Spending $616 per month for a $5000 deductible with all kinds of “benefits” that I CANNOT USE would be unaffordable and stupid, so I will be going without health insurance for the first time since I started working in 1975. If I get hit by a bus, I guess I will pull money from current income and retirement savings and get it paid off eventually.

I opened an account at healthcare.gov over a month ago, but I do NOT plan to take that process any further. (Which is just as well, because I STILL cannot get into the system.) I have learned that they demand all sorts of personal information before we can see options and costs for NC residents. After the serious scandals at the IRS and NSA, including lying by Obama and his administration folks to hide their true intents and actions, I have NO confidence that my personal information would not be ABUSED by those weasels.

So, for 2014 I will be paying the fine / penalty / fee / tax / whatevah. I am hopeful that every stinkin’ Democrat who voted for this CRAP is removed from office. That means YOU, KAY HAGAN. GET GONE, WOMAN! Ordinary Americans do not deserve this treatment, but Democrats – especially Obama – really do not care about us

PREMIUM TO INCREASE A WHOPPING 300 PERCENT…

“My wife and I have purchased our own health insurance for years. Last year, I was forced onto medicare when I turned 65. My wife, who is younger, stayed with BC/BS. Last week we received notice that her premium was increasing by 300% due to obamacare!. I wrote a letter to the editor of our Greensboro paper thanking our President and Senator Hagan for this fiasco. They have already bankrupted medicare and social security, so why not give them total control of all our healthcare? They both are obviously so well qualified. Thank you for taking time to listen.”

ADJUNCT PROFESSOR SEES HOURS CUT DUE TO OBAMACARE…

“My wife is an adjunct professor at a small college in NY. She teaches online under and graduate courses. All of her money goes to support our daughter and grandchildren, keeping them off public assistance. The school is going to restrict her to 2 classes/sem because that is the cutoff for part time work. She usually teaches 3-4.”

LOSING CURRENT PLAN “DUE TO ACA REGULATIONS”…PREMIUMS TO INCREASE BY $7,000/YR

“I have only gotten as far as creating an account & getting to the link for estimating my cost under the ACA. My current plan which the ACA eliminates cost my wife & I $465.00 with a $10,000.00 deductible. Total for the year, $5,580.00, maximum out of pocket 15580. This is not an employer plan that I was thrown off of. This plan is eliminated by the ACA, I have no choice but to give it up! I do not get to keep my current Health Insurance Plan if I like it! Obama LIED!

So far the least expensive plan according to the health.gov site link to the estimator page is going to cost us a minimum of $12,495.00 with a 12,000.00 deductible! I do not qualify for a subsidy. Minimum I would pay out of pocket $25,195.00 if we were in a accident or both hospitalized!
The ACA is not affordable! You do not have choice under the ACA! I have had Health Insurance for 43 years and as of the first of the year I will no longer have insurance, can’t afford it.”

Click the thumbnail to see the insurance report Obamacare Rate Increase Letter

PREMIUM INCREASE BY $300/MO….WILL DROP COVERAGE BECAUSE ITS NO LONGER AFFORDABLE

“Got my new BCBS of FL health insurance rates yesterday. Last year I paid $370/mo. for single coverage. This year it is $670/mo. for less coverage. Can’t afford that, so I guess I will have to go without.”

PREMIUMS MORE THAN DOUBLED….TO INCREASE BY $4,320/YR

“I have a plan with BCBS, with a premium of $309.00 per month. Upon opening my rate letter from BCBS yesterday (October 9) I found that I must now pay (as of January 1) a premium of $670.00 per month. Why? I anticipate a moderate premium increase each year but to MORE THAN DOUBLE it? By the way, that’s just MY premium. It does not include my wife’s health insurance premium.”

POTENTIAL HEALTH EXCHANGE USER FRUSTRATED BY ONLINE “GLITCHES”..

“Every day, it’s the same story. TRY, TRY, TRY to log-on to get information including a quote, BUT, NOTHING! Busy, check later or off-line. Great system.”

NEW EXCHANGE PREMIUMS WOULD TAKE NEARLY HALF OF MY INCOME…

In looking at the exchange here in N.C., I find my health insurance premium will take 44 percent of my annual net income. In the past two years, I have had to become a caregiver for my parents, meaning I find freelance work as best I can. I have gone through my savings and most of my retirement. Now, I have med bills of upwards of $20,000. This caregiver forgot herself, you might say. So now, Obamacare wants half of my little income. I own a house and therefore qualify for no breaks. My local hospital considers it part of my income. I’m ready to move abroad.

PREMIUM TO SKYROCKET BY MORE THAN 400 PERCENT…

I currently pay $47 a month for an individual policy. That amount jumps to $238 in January.

PREMIUM HIKE OF A STUNNING 592 PERCENT…CONSIDERING DROPPING COVERAGE DUE TO NEARLY $6,700 ANNUAL PREMIUM INCREASE

I lost my job in 2010. Could not find full time employment (I’m sure it was due to my age, 61). For a year and a half I had no insurance. At age 62 I was forced to file for early Social Security. At that time I found part time employment but, of course, was not offered benefits. I purchased a Blue Advantage Bronze 5500 insurance plan from BCBSNC for $94.00 per month. I received a letter on September 24 stating that beginning Jan. 1 my new premium would be $651.48. Affordable Health Care??? Are you kidding me? I just may opt to pay the penalty. I am a healthy 63 year old woman and have only used my insurance for wellness visits. This is just not acceptable.

24-YEAR OLD STRUGGLING TO FIND WORK TO SEE PREMIUMS INCREASE BY 265 PERCENT…

Our 24 year old son graduated from college this May taking with him student loans that will soon have to be paid. So far, because of the poor economy created by this president and the liberals there are so few jobs available for college graduates and others. His insurance company just sent him a letter stating that, beginning on January 1st, his insurance premiums will increase by a whopping 265%; and unless he pays them, he will fine by the IRS and treated like a criminal. Is this what the president meant when he said that American citizens will be able to keep their current insurance under Obamacare? This is not what our Founders meant when they wrote our Constitution and especially the 1st Ten Amendments (Bill of Rights).

If “we the people” don’t wake up, and wake up soon…so many more of our Freedoms will be taken away, just like our right to purchase our own insurance. What is next: Forced marriage arrangements, Mandated membership in government health clubs, Totally open borders for any and all to live in America, Polygamy…. We better be prepared that a Single Payer Government Insurance Plan will soon follow Obamacare…maybe in 2016? Think about it!

RECENTLY RETIRED….LOSING CURRENT POLICY “DUE TO ACA REGULATIONS”….PREMIUMS TO MORE THAN DOUBLE

My wife and I are entering into a well deserved Retirement time of life. We’ve worked hard 40 + years and have always been responsible adults by takng care of ourselves and not depending on any government assistance programs. G oing into “retirement” by the end of this year we’ve crossed every t and dotted every i in working out a fixed income budget. One of the major line items in our budget is my wife’s health care cost….Blue Cross Blue Sheild of Nrth Carolina. We have a policy that we’re comfortable with, monthly premiums are $299.85. Received notice from BCBS of NC, a few days ago, that this policy cost will increase to $658.00 per month begining January 2014. That is an annual increase of $4,297.80. She’s has tried many times to go online and see if there are any options open to us….that process is just a damn joke. I recall Obama saying that if you like your current health care policy you can keep it, don’t recall him saying to keep my current policy it will cost you more than double the existing monthly cost. I’m going to close by saying…My wife and I truly believe that we’ve lived ourlives during a time in which our “Country” had the best to offer. Also, we truly believe, that we are experiencing a very serious decline of our “Country” with the current leadership, on both sides of the aisle!!!! It’s time for a major revolution. GOD….PLEASE SAVE US FROM OURSELVES. Thank you

This article was posted in Healthcare by Civitas Staff on October 7, 2013 at 5:22 PM.

© 2011 The Civitas Institute. Visit us on the web at www.nccivitas.org.
This article can be found at http://www.nccivitas.org/2013/your-obamacare-stories/

Comments on this article

  • 1

    Terry J. Sigmon
    Terry J. Sigmon Oct 09, 2013 at 13:14

    Our 24 yr. old son graduated from college in May of this year & is still trying to find full-time employment. He just received his notice from BC/BS that under #Obamacare his Deductible will increase from $1,500 to $3,500, his co-pays will double, he now has a Drug Deductible, and his premium will increase from $108.56 to $265.00 per month (245% Increase) on January 1st, 2014. This is not the $2,500.00 savings we were promised by the president. We assume next, the Obama administration will sue him because he can’t pay either for his Health Insurance or his Student Loans. Only in America – Obama-Not-Care!

  • 2

    John Fusion
    John Fusion Oct 11, 2013 at 5:18

    Like most of you I just got hit with a 11% increase, and the co pays went out of the roof.
    I recall Kay Hagan, and the N@R promises our premiums would go down, and the coverage would be better.

  • 3

    D Pitts
    D Pitts Oct 11, 2013 at 8:44

    “we will get exactly what they voted for”.

  • 4

    April Knisley
    April Knisley Oct 15, 2013 at 16:16

    I hope this changes. I was out of work for 2 1/2 years due to health conditions. When I finally found a job and could look for insurance I was denied due to pre-existing conditions. But my contract company had a health plan, not a very good one, but better than nothing. Now I was.am being told it does not meet the minimum health care requirements and I will javelin to either purchase additional coverage ire find a new plan. My daughters insurance is going to go up by at least a 1/3.

    It took me three years to he able to rent a decent house and get us back on track. Since I was a single mom and I was a rente so I did not qualify for the mortgage assistance programs. So I lost my apartment. So now, I am work 50-60 hours a week and am renting a house, but will probably have to over again just to pay for the happy insurance I can get for myself and my child. Some of my prescriptions I already cannot pat for because they are not covered in my Rx plan.

    How is this affordable healthcare?

  • 5

    jweaks
    jweaks Oct 17, 2013 at 15:33

    It’s not affordable. It’s just another ponzi scheme. A cynic might say that it was never designed to work but rather to force an even deeper, darker “gov’ment” solution.

  • 6

    Melvin P. Arbuckle
    Melvin P. Arbuckle Oct 17, 2013 at 19:34

    It is good that Obama supporters are required to finally pay for some of that “free stuff” they think others should fund for them. Elections have consequences, the left wanted it, the left got it, now the left is taking it where it hurts and this is good :-)

  • 7

    Lynn Atkinson
    Lynn Atkinson Nov 03, 2013 at 13:22

    The Shoe Affordability Decree (SAD)

    The President was concerned that there were too many shoeless people in his country. He said, “I will assure that everyone in the country has shoes!”

    So he ordered the shoes and spared no expense-in fact, he went way over budget! The President assured that every pair of shoes were of the best quality and had every modern day comfort a person could want in a shoe!

    The data said most those going without shoes needed a size 9. So, the President ordered shoes for every citizen-all in a size 9.

    When the people protested, the President became very angry. Here he had assured that no one in his country would go without shoes and they were all of the highest quality! Yet, many people complained, said they were too expensive, the wrong size and didn’t fit properly.

    But the President didn’t care. He knew that his critics simply didn’t want everyone to have affordable shoes.

    Besides, his legacy would be that he provided shoes to all the people in the country. ‘What difference does it make’ if they are the wrong size?

    Story created by the Mary Poppins for President Campaign

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