The ObamaCare Disaster: Designed by Clinton and Obama

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Obamacare: A Failed Law Of Broken

Promises
November 1, 2016: Open Enrollment Starts First Day You Can Enroll, Re-Enroll, Or Change A
2017 Insurance Plan Through The Health Insurance Marketplace. (Dates & Deadlines For 2017 Health Insurance,
HealthCare.Gov, Accessed 10/30/16)
Jonathan Gruber, The ObamaCare Architect Now Infamous For Claiming ObamaCare Was Passed
Because Of Voter Stupidity, Says That Recently Announced Premium Hikes Are A Reflection Of
The Law Working As Designed. CNNS CAROL COSTELLO: So let's talk about how exactly you can fix
ObamaCare. I just need you to be specific because I think people really want answers. So Hillary Clinton
says she can fix ObamaCare. So what would one fix that would drive premiums down? GRUBER: Look,
once again, theres no sense it has to be fixed. The law is working as designed. However, it could work
better. And I think, probably the most important things experts would agree on is we need a larger
mandate penalty. (CNNs Newsroom, 10/26/16)
Click To Watch
Americans Will Wake Up To HealthCare Costs That Have Spiraled Out Of Control
Premiums For A Crucial Category Of Obamacare Plans On HealthCare.gov Will Rise By 25 Percent
On Average Next Year, More Than Three Times Larger Than This Year's Price Increases, The
Obama Administration Said Monday. (Rachana Pradhan, Key Obamacare Premiums To Jump 25 Percent Next Year, Politico,
10/24/16)
Significant Spikes In Premiums, Insurer Dropouts And Persistently Low Enrollment

Numbers Are Combining To Make This Falls Sign-Up Period A Crossroads For The Obama
Administrations Signature Health Law. (Louise Radnofsky And Stephanie Armour, U.S. Health Law Faces Critical Year,
The Wall Street Journal, 9/7/16)
The Next President Will Be Left To Solve The Many Problems Created By ObamaCare. Big price
hikes to Affordable Care Act premiums announced this week mean that Obama's proudest legislative
achievement will fail to resolve the decades-old controversy surrounding the government's role in
managing the cost of and access to health care. It will fall to the next administration whether to fix
Obamacare's shortcomings -- including rising premiums and deductibles, slowing enrollment growth and
the increasing number of insurers pulling out of the ACA marketplaces -- or to trash the system and start
again. (Stephen Collinson, Obamacare Woes To Linger long After Obama Is Gone, CNN, 10/26/16)
RISING PREMIUMS ARE JUST ONE OF THE MANY BROKEN PROMISES OBAMA AND
CLINTON MADE TO THE AMERICAN PEOPLE ABOUT THEIR LAW
Broken Promise: Bringing Down Costs
PROMISE: Obama Promised His Plan Would "Bring Down Costs For The Entire Country By Making
Our Health Care System More Efficient." OBAMA: "My plan would not only guarantee that every
uninsured American could get the same kind of health care that Members of Congress give themselves, it
would bring down premiums by $2500 for the typical family, and bring down costs for the entire country
by making our health care system more efficient through better technology and more emphasis on
prevention." (Sen. Barack Obama, Remarks Of Senator Barack Obama On The Economy, Raleigh, NC, 6/9/08)
In May 2014, Clinton Said That ObamaCare "Should Lead To Lower Costs" For Americans.
CLINTON: "I mean really, the system was backwards before, we're straightening it out. It should
lead to lower costs and better outcomes for millions of Americans but look, change is never easy
and therefore we look to leaders and experts like you" (Hillary Clinton, Remarks at the National Council for
Behavioral Health, Washington, DC, 5/6/14)
Despite These Promises To Reduce Premiums, PolitiFact Rated This As A Broken Promise. In
assessing this promise, we consider the following: An author of the $2,500 figure has disavowed its use as
it relates to premiums alone. An independent health care analyst projects that premiums will go up for
the typical family. The federal agency implementing the Affordable Care Act did not provide evidence that
premiums will go down for the typical family. We rate this a Promise Broken." (J.B. Wogan, "No Cut In Premiums For
Typical Family," PolitiFact, 8/31/12)
Broken Promise: Like Your Plan, Keep Your Plan

PROMISE: Obama: If You Like Your Plan, You Can Keep Your Plan. If You Like Your Doctor, You
Can Keep Your Doctor. OBAMA: If you like your plan, you can keep your plan. If you like your doctor,
you can keep your doctor. I can tell you, as the father of two young girls, I would not want any plan that
interferes with the relationship between a family and their doctor. (President Barack Obama, Remarks On Health Care
Reform, Washington, D.C., 3/3/10)
Clinton Was The Original Author Of The Promise That You Could Keep Your Health Plan
Under The Health Reform Law. CLINTON: Well, let me start by saying that this is the passionate
cause of my public service. I started trying to expand health care many years ago, first to children,
then to rural areas in Arkansas, and obviously tackled it during my husbands administration. And
the reason why I have designed a plan that, number one, tells people, if you have health insurance
and you are happy with it, nothing changes, is because we want to maximize choice for people.
(Hillary Clinton, Democratic Presidential Primary Debate, Los Angeles, CA, 1/31/08)
Obama Was Forced To Apologize For Misleading The Public On Health Plan Cancellations: Im
Sorry That They Are Finding Themselves In This Situation Based On The Assurances They Got
From Me. OBAMA: I am sorry that they are finding themselves in this situation based on assurances
they got from me. Weve got to work hard to make sure that they know we hear them and we are going to
do everything we can to deal with folks who find themselves in a tough position as a consequence of this.
(Chuck Todd, Obama Personally Apologizes For Americans Losing Health Coverage, NBC News, 11/7/13)
PolitiFact: Obamas Promise Was The Lie Of The Year In 2013. Boiling down the complicated
health care law to a soundbite proved treacherous, even for its promoter-in-chief. Obama and his team
made matters worse, suggesting they had been misunderstood all along. The stunning political uproar led
to this: a rare presidential apology. For all of these reasons, PolitiFact has named If you like your health
care plan, you can keep it, the Lie of the Year for 2013. (Angie Drobnic Holan, Lie Of The Year: If You Like Your Health Care Plan,
You Can Keep It, PolitiFact, 12/12/13)
Broken Promise: Increased Competition

PROMISE: When Signing ObamaCare Into Law, Obama Said Insurance Companies Should See
ObamaCare As A Way To Increase Competition. So this is a long-overdue victory for Americas
consumers and patients. And yes, it does away with the status quo that some insurance companies have
taken advantage of for so long. But insurance companies should see this reform as an opportunity to
improve care and increase competition. They shouldnt see it as an opportunity to enact unjustifiable
rate increases that dont boost care and inflate their bottom line. (President Obama, Remarks By The President On The
Affordable Care Act And The New Patients' Bill Of Rights, Washington, D.C., 6/22/10)
According To The Washington Posts Fact Checker, ObamaCare Is Reducing Competition As

Insurance Companies Struggle To Make Money. But about half of the people in the individual market
are not getting such tax credits and their premiums are increasing because of mandates in the law, a
sicker-than-expected pool of applicants and decreasing competition because insurance companies have
found it too difficult to make money. These people are the losers, at least so far. (Glenn Kessler, Confused By
Obamacare? Here Are Answers To Key Questions. Washington Post's Fact Checker, 10/27/16)
Broken Promise: No Tax Hikes On Middle Class

PROMISE: Obama Pledged That Those Making Less Than $250,000 A Year Would Not See Their
Taxes Raised A Single Dime. OBAMA: "If your family earns less than $250,000 a year, a quarter
million dollars a year, you will not see your taxes increased a single dime. I repeat: Not one single dime."
(President Obama, Address To Joint Session Of Congress, 2/24/09)
PolitiFact: ObamaCare Raised Taxes On The Middle-Class. "The health care law that Obama signed on
March 23, 2010, raises taxes on some things regardless of income. Two taxes in particular stand out. A tax
on indoor tanning services begins this year. And in 2014, people will have to pay a fine, levied through
their income taxes, if they don't have health insurance." (Angie Drobnic Holan, "Smokers, Tanning Aficionados, The Happily
Uninsured: More Taxes Coming At Ya!" PolitiFact, 4/8/10)
DESPITE OBAMA AND CLINTON PROMISING LOWER HEALTHCARE COSTS,

PREMIUMS HAVE SEEN HUGE INCREASES
The Obama Administration Announced 2017 Premium Hikes Averaging 25 Percent For The
Federal Exchanges Benchmark Plan. For 2016, the benchmark plan's premium rose only 7.2%, on
average, for the states that use healthcare.gov. (Looking only at states on the federal exchange, premiums
are rising 25% for 2017.) (Tami Luhby, Obamacare Premiums To Soar 22%, CNN, 10/24/16)
The 25 Percent Federal Average Is Comprised Of 39 States. The average premium, or monthly
enrollment payment, for a closely watched type of Obamacare plans are set to rise by an average
of 25 percent in the 39 states served by HealthCare.gov, officials revealed Monday. (Dan Mangan,
Obamacare Enrollment: A Sneak Peak At 2017 Plans And What They'll Really Cost You, CNBC, 10/24/16)
High Premium Spikes Show The Enormity Of The Challenges Facing ObamaCare. Finalized rates for
big health insurance plans around the country show the magnitude of the challenge facing the Obama
administration as it seeks to stabilize the insurance market under the Affordable Care Act in its remaining
weeks in office. (Louise Radnofsky, Rate Increases For Health Plans Pose Serious Test For Obamas Signature Law, The Wall Street Journal,
10/18/16)
A Senior Representative For Blue Cross Blue Shield Characterized The Situation As Serious.
But in all, the premiums offer the clearest portrait yet of health plans assessment of the stability
of the individual insurance market on the eve of the fourth, critical, sign-up window for the law.
The situation is serious, said Alissa Fox, senior vice president of the Office of Policy and
Representation for the Blue Cross Blue Shield Association. The reason the premiums are where
they are is that the people we are covering have serious conditions and theyre using a lot of
medical services because of their chronic illnesses. Thats clear. And theres not enough young,
healthy people to balance out those costs. (Louise Radnofsky, Rate Increases For Health Plans Pose Serious Test For
Obamas Signature Law, The Wall Street Journal, 10/18/16)
Premium Increases Could Substantially Impact As Many As 10 Million People Who Do Not Qualify
For Government Subsidies. The individual market, overhauled under the health law to require
insurers to sell to everyone regardless of their health history, is made up of approximately 10 million
people who get coverage from HealthCare.gov or a state equivalent, and another group who buy coverage
on their own outside the system. People in the first group typically have federally funded subsidies
pegged to the cost of coverage that can blunt the impact of premium increases, and stave off a rapid
deterioration in enrollment. People who buy coverage on their own outside the site dont, and some
estimates put their numbers as roughly similar to those who use HealthCare.gov. This latter groups
participation in the market is as critical as people who get subsidiesif not more, because actuaries
typically assume that wealthier people enjoy better health. (Louise Radnofsky And Stephanie Armour, U.S. Health Law Faces
Critical Year, The Wall Street Journal, 9/7/16)
A HealthPocket Analysis Of ObamaCare Cost Increases For 2017 Found That Premium Increases
Could Disproportionately Affect Older Americans. HealthPocket found that the percentage of
monthly income needed to pay the average unsubsidized Obamacare premium can present considerable
financial challenges to older adults. For example, when examining an individual who makes $48,000
annually (just above the $47,520 cut-off for individual premium subsidy eligibility in 2017) 60 year-olds
would need to spend 22% of their income to afford the average silver plan premium while 30 year-olds
would only need to spend 9%.(Aging Consumers Without Subsidies Hit Hardest By 2017 Obamacare Premium & Deductible Spikes,
HealthPocket, 10/26/16)
Alabama
2017 ObamaCare Individual Plan Premiums Will Increase By An Average Of 36 Percent. Blue
Cross Blue Shield of Alabama will be the only health insurance carrier offering plans in the Alabama
exchange in 2017, but they already insure the majority of the states exchange enrollees. Their rates will
increase an average of 36 percent in 2017, but subsidies will offset that for the vast majority of Alabamas
exchange enrollees. (Louise Norris, Alabama Health Insurance Exchange / Marketplace, Health Insurance, 10/15/16)
Arizona
2017 ObamaCare Individual Plan Premiums Will Increase By An Average Of 57 Percent. (Charles Gaba,
Arizona: Approved *Unsubsidized* 2017 Indy Mkt Rate Hikes: 57%, ACASignups.net, 10/17/16)
Colorado
2017 ObamaCare Individual Plan Premiums Will Increase By An Average Of 20 Percent. (Price Increase
Summary By Market, Colorado Department Of Regulatory Agencies, Accessed 9/21/16)
Delaware
2017 ObamaCare Individual Plan Premiums Will Increase By An Average Of 30 Percent.. (Charles Gaba,
Avg. UNSUBSIDIZED Indy Mkt Rate Hikes: 25.6% (46 states), ACASignups.net, 10/25/16)
Florida
2017 ObamaCare Individual Plan Premiums Will Increase By An Average Of 19 Percent. The
Florida Office of Insurance Regulation announced today that premiums for Florida individual major
medical plans in compliance with the federal Patient Protection & Affordable Care Act (PPACA) will
increase an average of 19% beginning January 1, 2017. Per federal guidelines, a total of 15 health
insurance companies submitted rate filings for the Offices review in May. These rate filings consisted of
individual major medical plans to be sold both on and off the Exchange. Following the Offices rate filing
review, the average approved rate changes on the Exchange range from a low of -6% to a high of 65%.
(Charles Gaba, Florida: *Approved* 2017 Indy Market Rate Hikes: 19.1% (Vs 17.7% Requested), ACASignups.net, 9/5/16)
Georgia
2017 ObamaCare Individual Plan Premiums Will Increase On Average By 32 Percent. (Charles Gaba, Avg.
UNSUBSIDIZED Indy Mkt Rate Hikes: 25.6% (46 states), ACASignups.net, 10/25/16)
Hawaii
Illinois
2017 ObamaCare Individual Plan Premiums Will Increase By An Average Of 45 Percent.. (Charles Gaba,
Iowa
2017 Rate Project State Roundup: IN, IA, ME, MA, MT, ND, SD, TN, ACASignups.net, 9/29/16)
Kansas
Maine
Michigan
Michigan: Approved *Unsubsidized* 2017 Avg Indy Mkt Rate Hikes: 16.7%; Sm. Group Just 2.5%, ACASignups.net, 10/17/16)
Minnesota
2017 ObamaCare Individual Plan Premiums Will Increase By An Average Of Roughly 60 Percent.
On average, rates in the state will rise by about 60 percent, said Shane Delaney, a spokesman for
MNSure, the states marketplace for Obamacare plans. About 250,000 people, or 5 percent of the states
population, were covered under plans bought on the individual market, including plans bought on the
Affordable Care Act markets as well as outside it. (Katherine Doherty And Zachary Tracer, Near Collapse, Minnesota to Raise
Obamacare Rates by Half, Bloomberg, 9/30/16)
Montana
Nebraska
Nevada
Nevada: Approved 2017 *Unsubsidized* Indy Mkt Rate Hikes: 10.6% (Vs. 15% Requested), ACASignups.net, 10/7/16)
New York
2017 ObamaCare Individual Plan Premiums Will Increase By An Average Of 16 Percent. In a

statement on Friday announcing 2017 premiums, NY's Department of Financial Services (DFS) said after
weighing insurer requests, the state settled on an average hike of 16.6 percent for individual exchange
users in the state, while small group users will see a lower average increase of over 8 percent. (Javier E. David,
Obamacare Users In New York Brace For Double-Digit 2017 Premium Hikes, CNBC, 8/6/16)
New Mexico
North Carolina
North Carolina: Approved *Unsubsidized* Avg. 2017 Indy Mkt Rate Hikes: 24.3%, ACASignups.net, 10/14/16)
Oklahoma
2017 ObamaCare Individual Plan Premiums Will Increase By An Average Of 76 Percent. Some of
the lowest income people are struggling in states where many others who are eligible for minimal or no
subsidies are also hard hit. A Department of Health and Human Services report in August found
expanding Medicaid coverage to the poorest of the poor lowers marketplace premiums by 7%. Oklahoma
and Tennessee which have had a 76% and 56% increase respectively did not expand Medicaid.
(Jacquie Lee And Jayne ODonnell, Regulators Approve Higher Health Premiums To Strengthen Obamacare Insurers, USA Today,10/18/16)
Pennsylvania
Pennsylvania: Approved *Unsubsidized* 2017 Avg Indy Mkt Rate Hikes: 32.5% (& 42K More Will Have To Shop Around), ACASignups.net, 10/17/16)
Tennessee
Texas
Utah
2017 ObamaCare Individual Plan Premiums Will Increase By An Average Of 31 Percent. So for the
three carriers that will offer individual plans in the exchange in Utah in 2017, the weighted average
approved rate increaseacross on and off-exchange enrollmentis 31.1 percent. (Louise Norris, Utah Health
Insurance Exchange / Marketplace, Health Insurance, 10/13/16)
West Virginia
Wisconsin
2017 ObamaCare Individual Plan Premiums Will Increase By An Average Of 15 Percent. Premiums
will go up an average of 15.9 percent next year for Wisconsin health insurance plans on the Affordable
Care Act exchange, according to the state Office of the Commissioner of Insurance. (David Whalberg, Rates For
Wisconsin Plans On Health Insurance Exchange To Go Up 16 Percent, Gwinnett Daily Post, 10/18/16)
DEDUCTIBLES AND OUT OF POCKET COSTS ARE ALSO INCREASING AT ALARMING

RATES, LEAVING OBAMACARE UNUSABLE FOR MANY
According To An Analysis Done By HealthPocket, The Average 2017 Deductibles For ObamaCares
Benchmark Plans Will Increase By Roughly 15% For Individuals And Families. The 2017 average
deductible for individuals ($3,572) is approximately 15% more expensive than 2016s average of $3,117.
Likewise, the average family deductible is up to $7,474 in 2017 as compared to $6,480 in 2016. (Aging
Consumers Without Subsidies Hit Hardest By 2017 Obamacare Premium & Deductible Spikes, HealthPocket, 10/26/16)
According To A Recent Study By HealthPocket, A 40 Year Old Non Smoker Will Pay An
Average Benchmark Premium Of $410 Per Month For 2017. (Aging Consumers Without Subsidies Hit Hardest
By 2017 Obamacare Premium & Deductible Spikes, HealthPocket, 10/26/16)
This Increase Will Result On Annual Spending Increases Of At Least $716. In terms of actual
dollars spent annually on health insurance, a 40 year-old nonsmoker, for example, will pay over
$716 more on premiums in 2017 if her premium amount matched the annual trends for the last
two years. (Aging Consumers Without Subsidies Hit Hardest By 2017 Obamacare Premium & Deductible Spikes, HealthPocket, 10/26/16)
In The Past Five Years Alone, Deductibles Have Risen 10 Times Faster Than Inflation And Nearly
Six Times Faster Than Paychecks. (Jenny Deam, A Shift In Coverage Has Even The Insured Skipping Medical Care, Houston Chronicle,
10/1/16)
In A Span Of Ten Years, Americans Enrolled In High Deductible Plans Went From 1 Million To 19
Million. In 2005, about 1 million people in this country had high-deductible plans coupled with a pretax
health-savings account. By early 2015, that number had shot up to 19 million, according to figures from
American's Health Insurance Plans, the insurance industry national trade association. (Jenny Deam, A Shift In
Coverage Has Even The Insured Skipping Medical Care, Houston Chronicle, 10/1/16)
The Average Deductible Of The Most Common ObamaCare Plan Is $3,000 While The Average Out
Of Pocket Expense For A Hospital Stay Can Exceed $4,000. The problem here is that many of the
Obamacare plans have high deductibles and co-pays, which makes them unaffordable for many
consumers without subsidies. The average deductible for the most common Obamacare plan is over
$3,000. Average out-of-pocket expenses for a hospital stay can top $4,000. Realistically, the plans that are
working look more like that hated three-letter acronym, HMO. (Editorial Board, Obamacare Is A Failing Insurance Product,
Florida Times-Union, 9/20/16)
ObamaCares Benchmark Plan Leaves Consumers Paying Deductibles That Average 30 Percent Of
Their Health Costs. The benchmark plans are the second-lowest-cost "silver" plans in a consumer's
region. Silver plans, the most popular type of Obamacare coverage, on average cover 70 percent of their
customers' health costs, with enrollees being responsible for paying the remaining share out of pocket, in
the form of deductibles, co-payments and co-insurance. (Dan Mangan, Obamacare Enrollment: A Sneak Peak At 2017 Plans And
What They'll Really Cost You, CNBC, 10/24/16)
Spikes In Deductibles And Out Of Pocket Costs Leave The Law Unusable For Many
According To ObamaCare Cost Affordability Analysis By HealthPocket, The Average Bronze Plan
Deductible Of $6,092 And Silver Plan Deductible Of $3,572 Blur The Lines Between Being Insured
And Uninsured. Deductibles among bronze and silver plans, the plans more likely to be purchased by
people without subsidies, are still considerably beyond what the average family has saved for medical
bills. A recent Bankrate survey found that only 37% of Americans had $500 to $1,000 in savings to cover
an unexpected emergency bill. Against that fiscal reality, the average bronze plan deductible of $6,092
and silver plan deductible of $3,572 blur the lines between being insured and uninsured. (Aging Consumers
Without Subsidies Hit Hardest By 2017 Obamacare Premium & Deductible Spikes, HealthPocket, 10/26/16)
High Deductibles Are Making Many Feel As If They Are Uninsured. This is crazy, she wanted to
scream. She has insurance, but it comes with a $6,000 family deductible - $2,000 for each of them - that
she must pay before her policy typically pays a dime. Last year, she was uninsured. This year feels exactly
the same. Walla is one of the millions caught in the reshuffling of the who-pays-what calculation within
the U.S. insurance industry, especially in employer-sponsored group plans used by the vast majority of
Americans. (Jenny Deam, A Shift In Coverage Has Even The Insured Skipping Medical Care, Houston Chronical, 10/1/16)
THE CLINTON-OBAMA SOLUTION IS TO SAY KEEP SHOPPING WHILE AMERICANS

FACE FEWER AND FEWER OPTIONS
Obama Recently Told People To Shop Around To Avoid Premium Increases. OBAMA: Again, the tax
credits in the ACA will protect most consumers from the brunt of these premium increases. And with the
ability to shop around on HealthCare.gov -- which works really well now -- most people can find plans for
prices even lower than this years prices. (President Obama, Remarks By The President On The Affordable Care Act At Miami Dade
College, Miami, Florida, 10/20/16)

Click To Watch
At A Town Hall, Clinton Told A Woman To Just "Keep Shopping" To Avoid Her High
Premiums. CLINTON: "OK. Well, first of all, let me say I want very much to get the costs down, and that is
going to be my mission, because I do think that for many, many people, but there are exceptions like what
you are telling me, having the Affordable Care Act has reduced costs, has created a real guarantee of
insurance, because if you'd had a pre-existing condition under the old system, you wouldn't have gotten
affordable insurance. So it has done a lot of really good things, but, it has become increasingly clear that
we are going to have to get the costs down. And what I would like to see happen for you and your family
is that if we can get the co-pays down, the deductibles down, get the prescription drug costs under
control, that you would find an affordable plan on your exchange. And one thing that I would like you to
do, and I'm not saying it's going to make a difference, but I would like you to just go shopping on that
exchange. As I understand it, Ohio has the federal exchange, is that right, Joyce? Because they did not set
up a state exchange. So you have the federal exchange. And to go on and keep looking to see what the
prices are, because we have to get more competition back into the insurance market. One thing that I
want to work on with my friends from Congress who are here is we've got the get more non-profits that
are capable of selling insurance back into the insurance market. You know, Blue Cross and Blue Shield
used to be non-profits. And then they transferred themselves into for-profit companies. And there was
some effort made under the Affordable Care Act to get some competition from non-profit institutions,
some of them worked and a lot of them didn't. I want to know what we can do, because if you could get a
range of insurers, some of who were not-for-profit companies, that would lower costs. So there is a
number of things I am looking at. And what I want to assure you and your family of is I will do everything
I can as president, working with members of Congress where necessary, to try to get the costs down. But I
do want you to keep shopping, because what you are telling me is much higher than what I hear from
other families, and so I want to be sure that if there is a better option out there for you, you're going to be
able to take advantage of it." (Remarks At Democratic Presidential Primary Town Hall , Columbus, Ohio, 3/13/16)

Click To Watch
Americans Have Fewer And Fewer Options To Choose From As Insurers Withdraw From
ObamaCare Exchanges
The Obama Administration Announced A 28 Percent Decrease In The Number Of Insurers
Partaking In ObamaCare. The number of insurers serving the federal market will drop from 232 to
167, a loss of about 28 percent. (Obama Administration Confirms Healthcare.gov Premium Hike, Associated Press, 10/25/16)
A Number Of Health Insurers Have Cut Back Their Presence In Obamacare Markets For 2017,
Including UnitedHealthcare, Aetna, And Cigna. (Dan Mangan, Obamacare Enrollment: A Sneak Peak At 2017 Plans And What
They'll Really Cost You, CNBC, 10/24/16)
With Losses Piling Up, Insurers Including UnitedHealthCare, Humana And Aetna Are Leaving
ObamaCare Exchanges In Droves. With the fourth open-enrollment period set to begin this fall for the
marketplaces set up by the Affordable Care Act, its becoming clear that the market for health insurance
has not evolved as expected, or hoped. The market is smaller than projected. The people who have
bought health plans overall are sicker than predicted. And health insurers have incurred larger losses
than anticipated. As a result, some large national insurance companies, including UnitedHealthcare,
Humana and Aetna, plan to abandon markets across the country next year. (Guy Boulton, Health Insurers Eye Steep
Increases, Milwaukee Journal Sentinel, 8/24/16)
UnitedHealth Group Experienced Increased Profits From Leaving ObamaCare. UnitedHealth Group
reported strong profits and boosted its earnings forecast Tuesday helped by its controversial pullout
from the Obamacare health insurance program. Shares of the largest US health insurer and health
benefits manager led the Dow Jones Industrial Average higher, jumping nearly 6 percent on its third
quarter earnings and a strong outlook 2017. UnitedHealth scored gains across the business, with
increases in both employer-based health programs and those run through the US government Medicaid
and Medicare programs. (UnitedHealth Profits Grow With Retreat From Obamacare, Yahoo, 10/18/16)
Cantor Fitzgerald Said That UnitedHealths Profits Justify Their Decision To Leave
ObamaCare. UnitedHealth made waves in April, when it announced it would drop out of most
the state exchanges for individual insurance policies created under the Affordable Care Act,
President Barack Obama's signature healthcare reforms, because the policies were unprofitable.
At the time, executives from the insurer said it could lose up to $650 million in the exchanges.
Some health care policy experts at the time said UnitedHealth's pullback reflected failures in how
it structured its program rather than in Obamacare as a whole. But a note Tuesday from Cantor
Fitzgerald said the strong third-quarter results showed the advantage to its early determination
to quit exchanges, adding that the company also appears to be gaining share in the commercial
and Medicare markets. (UnitedHealth Profits Grow With Retreat From Obamacare, Yahoo, 10/18/16)
Credit Suisse Called UnitedHealths Experience With ObamaCare Harrowing. With UNH
largely exiting the exchanges in 2017, we think the company has now put its harrowing
experience in the exchange market largely behind it, said Credit Suisse. The stock can now focus
more exclusively on the sustainable businesses that generate positive returns. (UnitedHealth Profits Grow
With Retreat From Obamacare, Yahoo, 10/18/16)
A Study Produced By The AP And Avalere Health Shows ObamaCare Competition Being At Its
Weakest Since The Law Began
More Than 1,000 Counties In 26 States Will Have Only One Insurer To Choose From. Americans in
the health insurance markets created by President Barack Obama's law will have less choice next year
than any time since the program started, a new county-level analysis for The Associated Press has found.
The analysis by AP and consulting firm Avalere Health found that about one-third of U.S. counties will
have only one health marketplace insurer next year. That's more than 1,000 counties in 26 states
roughly double the number of counties in 2014, the first year of coverage through the program. (Meghan
Hoyer And Ricardo Alonso-Zaldivar, Health Law Consumers Face Least Choice In Program's History, Associated Press, 10/27/16)
Five states Alaska, Alabama, Oklahoma, South Carolina And Wyoming Have One
Participating Insurer Across Their Entire Jurisdictions. (Meghan Hoyer And Ricardo Alonso-Zaldivar, Health Law
Consumers Face Least Choice In Program's History, Associated Press, 10/27/16)
Another Eight States Arizona, Florida, Georgia, Missouri, Mississippi, North Carolina, Nevada
and Tennessee Have Only One Participating Insurer In A Majority Of Counties. (Meghan Hoyer And
Ricardo Alonso-Zaldivar, Health Law Consumers Face Least Choice In Program's History, Associated Press, 10/27/16)
Insurers Claim To Be Leaving The Marketplace Due To Low Enrollment, Sick Consumers And A
Faulty Law That Lead To Skyrocketing Premiums. Insurers say enrollment was disappointing,
patients were sicker than expected, and an internal system to help stabilize premiums didn't work well.
The Obama administration says insurers are correcting for initially pricing their plans too low. (Meghan
Hoyer And Ricardo Alonso-Zaldivar, Health Law Consumers Face Least Choice In Program's History, Associated Press, 10/27/16)
17 OF THE 23 ORIGINAL CO-OPS HAVE FAILED, COMPOUNDING THE LOSS OF

COMPETITION
ObamaCares Health Co-Ops Are Collapsing At A Rapid Clip. Health cooperatives are collapsing at
such a rapid clip that some co-ops and small insurers are forming a coalition to consider legal action to
try to change health-law provisions they blame for their financial distress. (Stephanie Armour, More Health Co-Ops
Face Collapse, The Wall Street Journal, 10/16/15)
17-23 Original ObamaCare Co-Ops Have Now Failed. The announcement also follows a national
pattern of Obamacare co-op failures. Just seven of the 23 co-ops remain, according to a Forbes report in
July. (Susan Livio, Another N.J. Insurance Company Drops Out Of Obamacare, The Star-Ledger, 9/12/16)
In September, New Jersey Announced The Failure Of Their ObamaCare Co-Op Which Will
Shut down At The End Of 2016. Faced with a deteriorating financial condition, another health
insurance carrier is pulling out of New Jersey's health exchange marketplace created under the
Affordable Care Act, forcing 35,000 policy holders to find a new plan in 2017, the state's top
insurance official announced Monday night. Health Republic Insurance of New Jersey will serve
customers through the end of the year, state Department of Banking and Insurance Commissioner
Richard Badolato said. The state is working out a rehabilitation plan that preserves the carrier's
financial assets so medical providers will be reimbursed for the care they provide consumers for
the remainder of the year, Badolato said in a statement late Monday. (Susan Livio, Another N.J. Insurance
Company Drops Out Of Obamacare, The Star-Ledger, 9/12/16)
Illinois Obamacare Co-Op Announced Its Failure. An Illinois health insurance co-op with
49,000 policyholders in the state has become the latest casualty among a dwindling group of
nonprofit alternative insurers set up under the Affordable Care Act. Illinois regulators took steps
Tuesday to shut down Land of Lincoln Health, a 3-year-old startup that lost $90 million in 2015
and more than $17 million through May 31. (Karla K. Johnson, Illinois Move To Shut Down Failing Obamacare Health
Insurance Co-Op, The Associated Press, 7/12/16)
Oregons Second Co-Op Which Announced It Was Closing In July 2016 Due To Financial
Struggles. Oregon regulators are moving to take control of a federally funded health insurer,
Oregons Health CO-OP, saying its finances put the well-being of 20,000 Oregon consumers at risk.
The state is placing the nonprofit insurer into receivership and will dissolve it. Current members
are encouraged to find other plans by July 31, when the CO-OPs plans expire. (Nick Budnick, Oregon To
Take Over Troubled Nonprofit Health Insurer As 20,000 Must Change Plans, Portland Tribune, 7/8/16)
Connecticuts ObamaCare Co-Op Also Failed In July Of 2016 Due To Financial Instability
From A $13.4 Million Federal Bill. Connecticut's financially unstable Obamacare healthinsurance co-op was placed under state supervision on Tuesday, as regulators said 40,000 people
covered by the company will ultimately have to find new plans for the coming year. HealthyCT is
the 14th of 23 original Obamacare co-ops to fail since they began selling health plans on
government-run Affordable Care Act insurance exchanges. Several of the other remaining co-ops,
at least, are believed to be on shaky financial ground. Until last week, the nonprofit HealthyCT had
adequate capital and sustainable liquidity but that fell apart Thursday with a federal
requirement that hit HealthyCT with a $13.4 million bill, according to the Connecticut Insurance
Department. (Dan Mangan, 'Financially Unstable' Connecticut Obamacare Co-Op Now Under State Supervision, CNBC, 07/05/16)
Ohios ObamaCare Co-Op Failure In May of 2016 Cancelled Policies On Roughly 22,000
People. Yesterday, the Ohio Department of Insurance announced it was closing InHealth Mutual,
one of Obamacares Consumer Operated and Oriented Plan (CO-OP) programs, which was created
with more than $129 million in taxpayer dollars to provide health insurance. Nearly 22,000
Ohioans now find themselves losing their health plan with a short amount of time to find a new
option. And news reports reveal InHealth lost $80 million last year despite being under enhanced
oversight by the federal government. (Another Co-Op Closes Because Of Obamacare Failures, Committee On Ways And Means,
5/27/16)
Maine, The Only Co-Op To Make Money In 2014, Announced That It Will Close For 2016.
The lone health insurance cooperative to make money last year on the Affordable Care Act's
public insurance exchanges is now losing millions and suspending individual enrollment for 2016.
Maine's Community Health Options lost more than $17 million in the first nine months of this
year, after making $10.9 million in the same period last year. A spokesman said higher-thanexpected medical costs have hurt the cooperative. (Tom Murphy, Lone Profitable ACA Insurance Co-Op Losing Millions,
The Associated Press, 12/10/15)
Arizonas ObamaCare Co-Op Was Suspended From Selling Insurance, Leaving A Third Of
Arizonians Who Got Insurance Through The Federal Exchange Grasping To Find New
Providers. About a third of the Arizonans who bought health insurance on the federal
marketplace for 2015 will have to find a new provider following action by state insurance
regulators to suspend the state's nonprofit insurance co-op's ability to sell new policies over
concerns it could fail. The suspension of Meritus Health Partners means about 59,000 people will
need new insurance unless the order is lifted. More than 50,000 of those people bought their plans
through the marketplace. (Health Insurance Co-Op Order means 59,000 Must Find Coverage, The Associated Press, 11/2/15)
Utah Shut Down Its ObamaCare Co-Op, The States Second Largest Insurer Of Individuals,
Forcing 66,000 People To Scramble For New Insurance. Arches Health Plan, a membership
cooperative that was born out of the Affordable Care Act and insures 66,000 Utahns, has been
ordered out of the insurance market for 2016. Arches insures more low-income Utahns on the
federal exchange, healthcare.gov, than any other company besides SelectHealth. But it also has
customers who get their insurance on their jobs and individuals who buy plans through insurance
agents or brokers. Those 35,000 people who bought Arches plans via the exchange or from
insurance brokers or agents will now have to find new health insurance for 2016. The co-op also
has to stop writing new policies for businesses immediately, Utah Insurance Commissioner Todd
Kiser said. Arches insures 31,000 people through employer-sponsored plans, a spokeswoman
said. (Kristen Moulton, Utah Shuts Down Arches, the States Nonprofit Insurance Co-Op, The Salt Lake Tribune, 10/27/15)
South Carolinas ObamaCare Co-Op Announced That It Will Shut Down, Leaving 67,000
Individuals And Business Customers To Look For New Coverage Health Coverage. A South
Carolina health insurer has become the ninth insurance cooperative formed nationwide under the
Affordable Care Act to fold. Consumers' Choice Health Insurance Co. said Thursday that it will not
sell policies in 2016, a decision that will leave 67,000 individuals and business customers looking
for new coverage. (Tom Murphy and Bruce Smith, Ninth Cooperative Formed Under Affordable Care Act Closing, The Associated Press,
10/22/15)
Iowa And Nebraskas Co-Op Folded In February Of 2015. The first plan to collapse served
people in Iowa and Nebraska; it folded in February after being taken over by state insurance
regulators. (Amy Goldstein, Financial Health Shaky At Many ObamaCare Insurance Co-Ops, The Washington Post, 10/10/15)
Louisianas Co-Op Shuttered Its Doors In July, 2015. In July, Louisianas co-op revealed it was
shutting down. (Amy Goldstein, Financial Health Shaky At Many ObamaCare Insurance Co-Ops, The Washington Post, 10/10/15)
New Yorks Co-Op, The Largest In The Country, Toppled In September. Then late last
month in New York state, the nations largest co-op toppled, startling insurance industry and
health policy analysts who thought it was too big for the government to let fail. (Amy Goldstein, Financial
Health Shaky At Many ObamaCare Insurance Co-Ops, The Washington Post, 10/10/15)
Kentuckys Co-Op That Served 51,000 ObamaCare Consumers Announced That It Would
Close Its Doors. The latest announcement came Friday, when the Kentucky Health Cooperative,
serving about 51,000 customers, said that it, too, will close Dec. 31 because of poor finances. (Amy
Goldstein, Financial Health Shaky At Many ObamaCare Insurance Co-Ops, The Washington Post, 10/10/15)
Tennessees Co-Op Announced That It Will Shut Its Doors. A sixth ObamaCare insurance
startup announced it will shut its doors on Wednesday, escalating concerns about the future of a
program designed to increase competition in the marketplace. Tennessees insurance
commissioner released a statement saying that its health insurance startup, also called a co-op,
will no longer offer health plans in 2016 due to the growing financial burden. (Sarah Ferris, Sixth
ObamaCare Startup Insurer Falls, The Hill, 10/14/15)
Nevadas Co-Op, That Was Once Considered A Top-Tier Co-Op Folded. Amid this increased
monitoring, one co-op has folded, stranding its members, and four others are preparing to close in
late December. They include the Nevada Health Co-Op, which was initially among a top tier that
federal officials had regarded as best poised to succeed. (Amy Goldstein, Financial Health Shaky At Many
ObamaCare Insurance Co-Ops, The Washington Post, 10/10/15)
Colorados Largest Co-Op Announced That It Would Close Soon, Forcing Over 80,000
Coloradans To Find A New Insurer In 2016. Colorado's biggest nonprofit health insurer
announced its closure Friday, forcing nearly 83,000 Coloradans to find a new insurer for 2016.
Colorado HealthOP announced Friday that the state Division of Insurance has de-certified it as an
eligible insurance company. (Kristen Wyatt, Largest Health Insurer On Colorado Exchange Collapses, The Associated Press,
10/16/15)
An Oregon Co-Op Covering 15,000 Health Care Consumers And 800 Small Businesses
Recently Announced That It Would Cease Operations. One of two Oregon health insurance coops created under President Barack Obama's health care law is shutting down. Republic Insurance
announced Friday that it won't sell insurance plans in 2016 and will begin an orderly wind down
of business. Health Republic covers 15,000 people in the individual market and 800 small
businesses in Oregon. The company says it will pay all claims through the end of the year. (Oregon
Insurance Co-Op Health Republican To Close, The Associated Press, 10/16/15)
Marylands Co-Op, On The Verge Of Failure, Is Looking To Leave The Co-Op Program In Favor Of
Privatization. Maryland's nonprofit health cooperative created under Obamacare is remaking itself as a
for-profit company in an effort to survive. Evergreen Health, one of the consumer operated and oriented
plans set up via the healthcare law, announced Monday that it is being turned over to private equity
investors after a year of working with federal regulators to try to stabilize its finances. The insurer covers
nearly 38,000 Maryland residents, including 8,000 who bought their plans through Maryland's
Obamacare exchange. (Paige Cunningham, Marylands Obamacare Co-Op Struggling, Washington Examiner, 10/3/16)
If The Transition Is Approved, 18 Of The 23 Original ObamaCare Co-Ops Will Have Failed. If
federal and state officials approve the transition, just five of 23 original co-ops will remain.
Seventeen of the co-ops have shuttered because of major losses, forcing their customers to buy
new plans. (Paige Cunningham, Marylands Obamacare Co-Op Struggling, Washington Examiner, 10/3/16)
The Failed Co-Ops Have Cost Taxpayers At Least $1.8 Billion And Are Seen By Many As A
Version Of The Public Option
The Failed Co-Ops Have Cost Taxpayers At Least $1.8 Billion. At the same time, Obamacare's nonprofit CO-OPs have been dropping like flies. Of the 23 created by the law, a mere six are still alive today
and just barely. New Jersey's was the latest to implode, in early September. These CO-OP failures haven't
been cheap. Thus far, they've cost taxpayers north of $1.8 billion. (Sally Pips, Rejecting Obamacare's Perverse Ultimatum,
The Hill, 10/03/16)
According To A Senate Investigative Report, By The End Of 2014, Cumulative Losses For The COOPs Were Four Times Greater Than The Expected Amount, Exceeding Even The Worst Case
Scenario Projected For The Programs. Cumulatively, by the end of 2014, the failed CO-OPs exceeded
their projected worst-case-scenario losses by at least $263.7 million four times greater than the
expected amount. The CO-OPs enrollment numbers were similarly alarming. According to the 2014
reports they submitted to HHS, five of the failed CO-OPs dramatically underperformed enrollment
expectations (leading to insufficient income for premiums), while five others overshot their enrollment
projections (which also causes losses due to underpriced premiums). HHS was aware of these problems
in early 2014, but took no corrective action and continued to disburse loans to the distressed CO-OPs.
(Failure Of The Affordable Care Act Health Insurance CO-Ops, Senate Committee On Homeland Security And Governmental Affairs Subcommittee On
Investigations, 3/10/16)
Former Health And Human Services Secretary Kathleen Sebelius Viewed Co-Ops As A Substitute
For The Public Option During Original ObamaCare Negotiations. "Murmurs from the White House
that the government-sponsored public insurance option could be negotiated or even dropped from
President Obama's health care reform plan in favor of nonprofit cooperatives has left the medical
community abuzz and the public a bit confused. The talk started Saturday after Obama indicated during a
town hall meeting in Colorado that publically funded health insurance was not the centerpiece of his
reform plan but 'only a sliver' of the solution. And on Sunday, Health and Human Services Secretary
Kathleen Sebelius said that co-ops are being considered as an alternative way to fulfill the president's
goal of creating more competition in the health insurance industry." (Lauren Cox, "'Public Option Or Co-Op? Experts Sound
Off," ABC News, 8/18/09)
Sebelius Said That The Public Options And Co-Ops Performed Similar Essential Functions
Because They Offered Competition To The Private Market. "Sebelius said the White House
would be open to co-ops instead of a government-run public option, a sign Democrats want a
compromise so they can declare a victory on the must-win showdown. 'I think there will be a
competitor to private insurers,' she said. 'That's really the essential part, is you don't turn over the
whole new marketplace to private insurance companies and trust them to do the right thing. We
need some choices, we need some competition.'" ("Public Option Up In The Air After Comments," CBS News, 8/16/09)
During The Initial ObamaCare Debate, Former Senator Kent Conrad (D-ND) Believed That Co-Ops
Would Accomplish Much Of The Same As The Public Option. The hard reality is, the reason I was
asked to see if I could come up with [an alternative] is that the public option does not have enough
support in the Senate to pass, Conrad said in a recent interview. It's an alternative that would
accomplish much of what's appealing [in the public option] and not have the fierce opposition of virtually
every Republican and some Democrats. It remains to be seen whether the co-op alternative would win
any support for the legislation in Congress. (David Hilzenrath and Alec MacGillis, Health Cooperatives Gain Backing As Alternative To
Public Option, The Washington Post, 8/18/09)
THE RAPID EXIT OF INSURERS FROM THE MARKETPLACE COMBINED WITH THE
FAILING CO-OPS HAS CREATED A DEARTH OF COMPETITION CAUSING MANY TO
LOSE THEIR INSURER AND DOCTOR
Insurers Exiting Obamacare Has Resulted In Many People Having To Switch Their Plans. The
Obamacare insurance exchanges are under strain after three major insurers pulled back from offering
coverage in markets across the U.S. The administration says about 1 in 5 people buying insurance
through the marketplaces will have only one company offering coverage. It's in places like that where
consumers will feel the most pain. Where it really matters is where a big insurance company has exited
and where that's going to leave just one company remaining, said Cynthia Cox, associate director of
health reform and private insurance at the Kaiser Family Foundation. For those people who live in that
area, many people may have to switch plans. And they won't have much choice if they want to receive
financial assistance and purchase through the exchanges. (Allison Kodjak, Rates Up 22 Percent For Obamacare Plans, But
Subsidies Rise, Too, NPR, 10/24/16)
1.4 Million People Will Lose Their Insurance Coverage In 2017 Largely Due To Insurers Leaving
ObamaCare. At least 1.4 million people in 32 states will lose the Obamacare plan they have now,
according to state officials contacted by Bloomberg. Thats largely caused by Aetna Inc., UnitedHealth
Group Inc. and some state or regional insurers quitting the laws markets for individual coverage. (Zachary
Tracer, Tatiana Darie And Katherine Doherty, More Than 1 Million People To Lose Obamacare Plans As Insurers Quit, Bloomberg, 10/14/16)
800,000 People Lost Their Insurance Over The Last Two Years Due To The Co-Op Failures..
As concerns about the survival of the Affordable Care Acts markets intensify, the role of
nonprofit co-op health insurers -- meant to broaden choices under the law -- has gained
prominence. Most of the original 23 co-ops have failed, dumping more than 800,000 members
back onto the ACA markets over the last two years. (Tatiana Darie, Shaky Obamacare Market Adds To 'Death Spiral'
Fears, Bloomberg, 9/23/16)
The Dearth Of Competition Could Cause Consumers To Lose Their Doctors And Costs To
Skyrocket. Sign-ups for Obamacare coverage begin next month. Fallout from the quitting insurers has
emerged as the latest threat to the law, which is also a major focal point in the U.S. presidential election.
While its not clear what all the consequences of the departing insurers will be, interviews with
regulators and insurance customers suggest that plans will be fewer and more expensive, and may not
include the same doctors and hospitals. It may also mean that instead of growing in 2017, Obamacare
could shrink. As of March 31, the law covered 11.1 million people; an Oct. 13 S&P Global Ratings report
predicted that enrollment next year will range from an 8 percent decline to a 4 percent gain. (Zachary Tracer,
Tatiana Darie And Katherine Doherty, More Than 1 Million People To Lose Obamacare Plans As Insurers Quit, Bloomberg, 10/14/16)
There Are Many Places Where Customers Have Only One Insurer Offering Plans And Where Prices
Have Risen Sharply. Some markets are not functioning well. Because what is happening varies around
the country, its hard to generalize about whether Obamacare is working everywhere. But the
combination of insurer exits and sharp price increases is a sign that the markets are in trouble in at least
a few parts of the country. There are many places where customers have only one insurer offering plans
and where prices have risen sharply. Thats a bad sign for a system built around choice and market
competition. (Reed Abelson And Margot Sanger-Katz, A Quick Guide To Rising ObamaCare Rates, The New York Times, 10/24/16)
Up To 19 Percent Of People In ObamaCares Individual Market Will Only Have One Insurer
To Chose From. For the people losing plans, there are fewer and fewer choices. One estimate by
the Kaiser Family Foundation predicts that for at least 19 percent of the people in Obamacares
individual market next year there will be only one insurer to choose from.(Zachary Tracer, Tatiana Darie And
Katherine Doherty, More Than 1 Million To Lose Obamacare Plans As Insurers Quit, Bloomberg, 10/14/16)
For Resident Left With One Choice, Subsidies Will Not Be A Financial Safety Valve. Dwindling
choice could be a trickier issue than rising premiums for the Obama administration and advocates of the
2010 law, including Democratic presidential candidate Hillary Clinton. Most customers get financial
assistance, and their subsidies are designed to rise along with premiums, which are increasing an average
of 25 percent in states served by HealthCare.gov. But there is no comparable safety valve for disruptions
caused by insurers bailing out. (Meghan Hoyer And Ricardo Alonso-Zaldivar, Health Law Consumers Face Least Choice In Program's
History, Associated Press, 10/27/16)
"Rising Premiums Get All Of The Political Attention, But Lack Of Choice Between Insurers
Could Be A Bigger Problem For Consumers, Said Caroline Pearson, A Senior Vice President
With Avalere. (Meghan Hoyer And Ricardo Alonso-Zaldivar, Health Law Consumers Face Least Choice In Program's History, Associated
Press, 10/27/16)
The Los Angeles Times Editorial: ObamaCare Premium Increases Will Be Painful For Many
Working-Class Americans Who Dont Get Coverage Through Their Employers. The price
hikes have renewed calls by Republicans to repeal the law, better known as Obamacare. And
theres no denying that the increases are going to be painful for many working-class Americans
who dont get coverage through their employers. (Editorial, Growing Pains For Obamacare And Its Customers, The Los
Angeles Times, 10/26/16)
The Clinton-Obama Solution Is To Double Down On The Failed Co-Ops With A Public Option
In Late October, Obama Called For A Public Option. OBAMA: The third thing we should do is add
what's called a public plan fallback to give folks more options in those places where there are just not
enough insurers to compete. And that's especially important in some rural communities and rural states
and counties. If you live in L.A. right now, then it's working fine. There are a lot of insurers because it's a
big market, there are a lot of providers. But if you're in some remote areas, or you're near some small
towns, it may be that the economics of it just dont work unless the government is providing an option to
make it affordable. And, by the way, this is not complicated. Basically, you would just wait and see -- if
the private insurers are competing for business, then you dont have to trigger a public option. But if no
private insurers are providing affordable insurance in an area, then the government would step in with a
quality plan that people can afford. (President Obama, Remarks By The President On The Affordable Care Act At Miami Dade College,
Miami, Florida, 10/20/16)
On Her Campaign Website, Clinton Says She Will Empower States To Establish A Public Option
Choice. Continue to support a public optionand work to build on the Affordable Care Act to make it
possible. As she did in her 2008 campaign health plan, and consistently since then, Hillary supports a
public option to reduce costs and broaden the choices of insurance coverage for every American. To
make immediate progress toward that goal, Hillary will work with interested governors, using current
flexibility under the Affordable Care Act, to empower states to establish a public option choice. (Hillary For
America, Accessed 4/8/16)
OBAMACARES BIG TICKET TAXES

ObamaCare Contains $859.7 Billion In Job-Killing Taxes On Small Businesses, Investments And
Innovation. (Estimated Revenue Effects Of A Proposal To Repeal Certain Tax Provisions Contained In The Affordable Care Act, Joint Committee On
Taxation, 6/15/12; Federal Subsidies For Health Insurance Coverage For People Under Age 65: 2016 To 2026, Congressional Budget Office, 3/24/16)
ObamaCare Contains $317.7 Billion In New Income Taxes Over 10 Years. (Estimated Revenue Effects Of A
Proposal To Repeal Certain Tax Provisions Contained In The Affordable Care Act, Joint Committee On Taxation, 6/15/12)
Starting In 2013, The Bill Adds An Additional 0.9% To The 2.9% Medicare Tax For Singles
Who Earn More Than $200,000 And Couples Making More Than $250,000. (Taxes Upon Taxes
Upon, The Wall Street Journal Editorial, 7/11/11)
For First Time, The Bill Also Applies Medicares 2.9% Payroll Tax Rate To Investment
Income, Including Dividends, Interest Income And Capital Gains. (Editorial, Taxes Upon Taxes Upon,
The Wall Street Journal Editorial, 7/11/11)
High-Income Earners Will Pay Thousands In Medicare Payroll Taxes. High-income earners
families making more than $250,000 will pay several thousand dollars more in Medicare payroll
taxes starting in 2013. (Farhana Hosssain and Kevin Quealy, How The Health Care Overhaul Could Affect You, The New York Times,
3/21/10)
At Least Seventeen New Taxes Were Required To Fund ObamaCare

Tax
Cost (In Billions)
Implementation
Mandated Employer Penalties
$178
Yes
Cadillac Tax
$79
Delayed Until 2020
$101.7
Delayed Until 2017
$38
Yes
$34.2
Yes
$29
Yes
Health Insurance Tax (HIT)

Mandated Individual Penalties
Taxes On Drug Manufacturers And
Importers
Tax On Medical Device Manufacturers
(Moratorium From
2016-2018)
Tax On Flexible Spending Accounts
$24
Yes
Tax On Biofuel
$15.5
Yes
Tax On Individuals With High Out-OfPocket Medical Expenses
$18.7
Yes
Penalties On Economic Substance

Doctrine Violations
$5.3
Yes
Tax On Withdrawals From Health

Savings Accounts
$4.5
Yes
$4
Yes
Tax On Self-Insured Plans
$3.8
Yes
Tax On Retirees Prescription Drug
$3.1
Yes
Medicine Cabinet Tax
Plans
Tanning Tax
$1.5
Yes
Businesses Expenses Deduction Limit
$.8
Yes
Tax On Certain Health Organizations
$.4
Yes

(Estimated Revenue Effects Of A Proposal To Repeal Certain Tax Provisions Contained In The Affordable Care Act, Joint Committee On Taxation, 6/15/12;
Federal Subsidies For Health Insurance Coverage For People Under Age 65: 2016 To 2026, Congressional Budget Office, 3/24/16; The Internal Revenue
Service, IRS, Accessed 2/18/16)
OBAMACARE HAS FAILED TO GARNER SUPPORT FROM THE MILLENIALS IT NEEDS

TO BE SUCCESSFUL
Many See Millennials As A Solution For ObamaCares Problems But Millennials Feel No Urgency To
Sign Up For The Law. The success of the Obamacare markets overall may very well hinge on whether
these new strategies overcome millennials concerns about affordability and the lingering toxicity of
Obamacare politics in states with the highest uninsured rates. A trio of high-profile national insurers have
significantly scaled back their Obamacare markets for 2017 because of big losses, as have some regional
health plans across the country. An August analysis by the Kaiser Family Foundation, a nonpartisan
research organization, found that 1 in 5 Obamacare customers might have only one insurer selling plans
in their area for 2017. Many are posting big premium increases. Many regard young people as the
antidote to the turbulence since they are generally healthier and lower-cost but that's also why many
millennials feel no urgency to sign up. (Rachana Pradhan And Paul Demko, Obamacares Millennial Problem, Politico, 10/4/16)
ObamaCare Advocates Are Banking On Millennials Signing Up For The Law To Balance Risk
And Reduce Costs. Young adults continue to have the highest rates of uninsurance, despite
having seen the biggest gains in coverage rates under the Affordable Care Act. That fact is
worrisome to Obamacare advocates, as well as to insurers, since the premiums paid by healthier
young adults enrolled in individual market health plans can offset the benefit costs incurred from
covering older, less healthy customers. A number of Obamacare insurers this year have cited an
imbalanced risk pool one in which they pay out more money in benefits than they take in from
premiums as a reason they need double-digit premium hikes, or why they are exiting
Obamacare marketplaces. (Dan Mangan, Selling Obamacare: Millennials Get Pitch On Twitch For Health Insurance Sign-Ups, CNBC,
9/27/16)
As Obama Prepares To Step Up Outreach, Data Shows That Previous Efforts Had Little To No Effect
On Young People Signing Up For ObamaCare. The Obama administration is announcing new steps to
increase ObamaCare outreach to young adults as it seeks to improve the stability of the healthcare law by
bringing in more youthful, generally healthy participants. Amid concerns from insurers about financial
losses due to a sicker-than-expected pool of enrollees, the administration is stepping up its efforts ahead
of the signup period for next year, which begins Nov. 1. Last year, outreach did not increase the share of
young people enrolled. Between 2015 and 2016, the percentage of enrollees aged 18 to 34 remained flat,
at 28 percent, according to administration data. (Peter Sullivan, White House Makes New Push For Young ObamaCare Signups, The
Hill, 9/27/16)
High Costs Are Causing Young People To Avoid ObamaCare. They're young, they don't get sick very
often, and they just think, that's just an added expense that [they] don't want to have right now, said
Sonia White, who oversees Obamacare enrollment efforts at the Community Council of Greater Dallas.
They've always been kind of a tough audience. For the laws first three open enrollment periods, young
adults accounted for 28 percent of sign-ups nationwide, according to administration data. They're not
enrolling in the numbers we'd like them to, said Karen Basha Egozi of the Epilepsy Foundation of Florida,
a nonprofit that received a $1.8 million federal grant this year to enroll people into Obamacare plans.
Affordability is an issue for all age groups, but particularly for the young people. (Rachana Pradhan And Paul
Demko, Obamacares Millennial Problem, Politico, 10/4/16)
Politico Headline: Obamacares Millennial Problem. (Rachana Pradhan And Paul Demko, Obamacares Millennial
Problem, Politico, 10/4/16)
18-34 Year Olds Not Signing Up For ObamaCare Could Doom The Law To Failure. The 18- to
34-year-olds who helped elect Barack Obama could consign his signature domestic policy
achievement to failure. Thats because not enough millennials have signed up for Obamacare to
make it work well. (Rachana Pradhan And Paul Demko, Obamacares Millennial Problem, Politico, 10/4/16)
Millennials Only Make Up Less Than 30 Percent Of ObamaCare Customers, Lower Than The
Original 40 Percent Projected By The Administration. Despite repeated outreach including
entreaties from all manner of celebrities, including NBA stars and Obama himself young people
make up less than 30 percent of Obamacare customers. The White House had set a goal of 40
percent in that age bracket to sustain a healthy marketplace because millennials tend to be
healthier and, therefore, balance the costs of sicker, older customers. (Rachana Pradhan And Paul Demko,
Obamacares Millennial Problem, Politico, 10/4/16)
The Danger For Insurers And Supporters Of The Law Now Is That High Prices And Limited
Choices Further Deter Low-Risk People From Signing Up, And That The Increases Continue
And Become Irreversible. (Louise Radnofsky, Rate Increases For Health Plans Pose Serious Test For Obamas Signature Law, The
Wall Street Journal, 10/18/16)
If Young People Do Not Sign Up, ObamaCares Risk Pool Will Face Added Burdens. Premiums for
health plans sold to individuals under the ACA, known as Obamacare, are going up by about 25 percent
on average for next year. Bertolini said that as costs rise, more individuals will decide not to buy health
plans. Thatll push premiums even higher, unless a new president and lawmakers can find fixes for the
new markets created by the 2010 health law. What happens is the population gets sicker and sicker and
sicker and sicker, Bertolini said. The rates keep rising to try and catch it. Its a fruitless chase, and
ultimately you end up with a very bad pool of risk. (Zachery Tracer And Katherine Doherty, Aetna CEO Says Young People Pick
Weekend Beer Over Obamacare, Bloomberg, 10/25/16)
Instead Of Signing Up For ObamaCare, Young People Are Choosing To Pay The ObamaClinton Individual Mandate Tax
The Architects Of ObamaCare Wrongly Expected The Individual Tax Mandate To Incentivize
Young People To Signup For ObamaCare. The architects of the Affordable Care Act thought they had a
blunt instrument to force people even young and healthy ones to buy insurance through the laws
online marketplaces: a tax penalty for those who remain uninsured. It has not worked all that well, and
that is at least partly to blame for soaring premiums next year on some of the health laws insurance
exchanges. (Robert Pear, Health Law Tax Penalty? Ill Take It, Millions Say, The New York Times, 10/26/16)
According To Christine Speidel, A Tax Lawyer, The $700 Dollar Tax May Not Be Enough To Force
Young People Into The Law. The full weight of the penalty will not be felt until April, when those who
have avoided buying insurance will face penalties of around $700 a person or more. But even then that
might not be enough: For the young and healthy who are badly needed to make the exchanges work, it is
sometimes cheaper to pay the Internal Revenue Service than an insurance company charging large
premiums, with huge deductibles. In my experience, the penalty has not been large enough to motivate
people to sign up for insurance, said Christine Speidel, a tax lawyer at Vermont Legal Aid. (Robert Pear, Health
Law Tax Penalty? Ill Take It, Millions Say, The New York Times, 10/26/16)
The Wall Street Journal Op-Ed By David Barnes, Policy Director Of Generation Opportunity Says
Many Millennials Will Opt To Pay The ObamaCare Penalty Rather Than Signup For The Costly Law.
ObamaCare is plainly unaffordable for many young Americans. Were at the start of our careersand
the bottom of the income ladderso paying so much for something we likely wont use makes little
sense. The IRS penalty of $695 or 2.5% of our income is often cheap by comparison. We may be young,
but we can do the math. (David Barnes, A Millennials ObamaCare Lament, The Wall Street Journal, 9/25/16)
"We Have An Uninformed Public And The Government Chooses To Use Social Media To
Encourage The Young People, When The Truth Is The Penalty Is Not High Enough To
Encourage Them," Says Ronnell Nolan, CEO Of The Trade Group Health Agents For
America. (Jaune ODonnell, About 2.5 Million People Missing Out On Obamacare Tax Credits, USA Today, 10/4/16)
According To Joseph Thorndike, Director Of The Tax History Project At Tax Analysts Said The
Individual Tax Mandate Has Not Been Very Effective. The penalty for violating the individual
mandate has not been very effective, said Joseph J. Thorndike, director of the tax history project at Tax
Analysts, a nonprofit publisher of tax information. If it were effective, we would have higher enrollment,
and the population buying policies in the insurance exchange would be healthier and younger.
Americans have decades of experience with tax deductions and other tax breaks aimed at encouraging
various types of behavior, as well as sin taxes intended to discourage other kinds of behavior, Mr.
Thorndike said. But, he said: It is highly unusual for the federal government to use tax penalties to
encourage affirmative behavior. Thats a hard sell. (Robert Pear, Health Law Tax Penalty? Ill Take It, Millions Say, The New York
Times, 10/26/16)
The IRS Estimates From 2014 And 2015 Show That Roughly 13.7 Million People Paid The Mandate
Tax Instead Of Enrolling Into ObamaCare. The I.R.S. says that 8.1 million returns included penalty
payments for people who went without insurance in 2014, the first year in which most people were
required to have coverage. A preliminary report on the latest tax-filing season, tabulating data through
April of this year, said that 5.6 million returns included penalties averaging $442 per return for people
uninsured in 2015. (Robert Pear, Health Law Tax Penalty? Ill Take It, Millions Say, The New York Times, 10/26/16)
Aetna CEO Mark Bertolini Expects Young People To Choose Gas And Beer Money Over ObamaCare.
Healthier people will avoid buying Affordable Care Act health insurance plans as premiums climb,
threatening the stability of the market, Aetna Inc. Chief Executive Officer Mark Bertolini said. As the rates
rise, the healthier people pull out because the out-of-pocket costs arent worth it, Bertolini said at
Bloombergs The Year Ahead Summit in New York. Young people can do the math. Gas for the car, beer
on Fridays and Saturdays, health insurance. (Zachery Tracer And Katherine Doherty, Aetna CEO Says Young People Pick Weekend
Beer Over Obamacare, Bloomberg, 10/25/16)
ITS NOT JUST MILLENNIALS, A MAJORITY OF AMERICANS HAVE NO FAITH THAT

OBAMACARE IS WORKING PROPERLY
A Recent Poll Conducted By Politico-Harvard Shows That 54 Percent Of Likely Voters View
ObamaCare As Working Poorly. (The 2016 Election: Clinton VS. Trump Voters On American Health Care, Politico-Harvard, 10/16)
Only 18 Percent Of Likely Voters Favor Keeping ObamaCare As It Is Currently Constituted.
While A Meager 8 Percent Favor Expanding The Program. (The 2016 Election: Clinton VS. Trump Voters On
(The 2016 Election: Clinton VS. Trump Voters On American Health Care, Politico-Harvard, 10/16)
American Health Care, Politico-Harvard, 10/16)
An October Kaiser Family Foundation Poll Showed That 57 Percent Of People Want The Next
President To Prioritize Health Policy That Ensures Adequate Doctor And Hospital Choices Are
Provided To Americans. (Ashley Kirzinger, Elise Sugarman, and Mollyann Brodie, Kaiser Health Tracking Poll: October 2016, Kaiser Family
Foundation, 10/27/16)
38 Percent Of Respondents Wanted The Next President To Repeal The Individual Tax Mandate.
(Ashley Kirzinger, Elise Sugarman, and Mollyann Brodie, Kaiser Health Tracking Poll: October 2016, Kaiser Family Foundation, 10/27/16)
Only 18 Percent Want The Next President To Continue The Planned Implementation Of
ObamaCare. (Ashley Kirzinger, Elise Sugarman, and Mollyann Brodie, Kaiser Health Tracking Poll: October 2016, Kaiser Family Foundation,
10/27/16)
A May Kaiser Family Foundation Study Also Showed ObamaCare Is Upopular

A Kaiser Family Foundation Report Showed That ObamaCare Unfavorability Was 46 Percent
While Favorability Was 40%. (Kaiser Health Tracking Poll: The Publics Views On The ACA, Kaiser Family Foundation, Accessed 7/26/16)
Deductible Prices Are One Of The Largest Sources Of Dissatisfaction With ObamaCare. The big
problem doesnt seem to be choice of doctor and hospital, despite all the media attention to narrow
networks in the new plans. Large majorities of customers said they were satisfied with those choices.
Rather, the two largest sources of dissatisfaction, according to the survey, were premiums and
deductibles. (Jonathan Cohn, Obamacare Consumers Are Getting Tired Of Those High Deductibles, The Huffington Post, 05/20/16)
A May 2016 Obamacare Survey Showed Obamacare Enrollees Increasingly View Their Plan As
Providing Poor Value. At the same time, the share of enrollees who see their plan as a good value has
been declining, reflecting growing dissatisfaction with premiums and cost-sharing. Some enrollees who
have had their plan for a year or more report expensive drug copays, as well as surprise medical bills and
other unexpected expenses they thought their plan covered. (Liz Hamel, Jamie Firth, Larry Levitt, Gary Claxton and Mollyann
Brodie, Survey of Non-Group Health Insurance Enrollees, Wave 3, Kaiser Family Foundation, 05/20/16)
The Survey Showed That Satisfaction Of ObamaCare Dropped 12% From 2015 To 2016 As 54% Of
Non-Group Enrollees View The Value Of Their Obamacare Plan As Only Fair Or Poor. Similar to
the trend in overall plan ratings, the current survey finds those with ACA-compliant non-group plans are
less likely than in previous years to say their coverage is an excellent or good value for what they pay
for it. Just over half (54 percent) now rate the value of their coverage as only fair or poor (up from 42
percent in 2015 and 39 percent in 2014). (Liz Hamel, Jamie Firth, Larry Levitt, Gary Claxton and Mollyann Brodie, Survey of Non-Group
Health Insurance Enrollees, Wave 3, Kaiser Family Foundation, 05/20/16)
The Survey Showed At least 53% Of Non-Group Obamacare Enrollees Are Confused By The
Complex Rules Surrounding Obamacare. The survey also finds a lack of awareness about new rules
for coverage introduced by the ACA. Among all those with ACA-compliant coverage, fewer than half (47
percent) know that preventive services are covered completely by their plans, while a third (33 percent)
think that copays or deductibles apply to preventive services and one in five (20 percent) are not sure.
Among those in high-deductible plans, awareness is even lower: 41 know that preventive services are
covered with no cost-sharing. (Liz Hamel, Jamie Firth, Larry Levitt, Gary Claxton and Mollyann Brodie, Survey of Non-Group Health Insurance
Enrollees, Wave 3, Kaiser Family Foundation, 05/20/16)
The Survey Showed Obamacare Enrollees Increasingly View Their Plan As Providing Poor Value.
At the same time, the share of enrollees who see their plan as a good value has been declining, reflecting
growing dissatisfaction with premiums and cost-sharing. Some enrollees who have had their plan for a
year or more report expensive drug copays, as well as surprise medical bills and other unexpected
expenses they thought their plan covered. (Liz Hamel, Jamie Firth, Larry Levitt, Gary Claxton and Mollyann Brodie, Survey of NonGroup Health Insurance Enrollees, Wave 3, Kaiser Family Foundation, 05/20/16)
The Survey Showed 52% Of Non-Group Obamacare Enrollees Experience Problems With Their
Plans. Among those whove had ACA-compliant non-group coverage for at least a year, many report
having problems with their plans. Most commonly, just over a third (36 percent) say their plan paid less
than they expected for a bill, about a quarter (26 percent) say their plan wouldnt cover or required a
very expensive copay for a drug prescribed by their doctor, one in five (21 percent) say they were
surprised to find their plan wouldnt pay anything for care they thought was covered, and a similar share
(20 percent) say that a particular doctor they wanted to see wasnt covered by their plan. Fewer say they
wanted to visit a hospital that wasnt covered (10 percent) or that they reached the limit on what their
insurance would pay for treatment of a specific illness or injury (4 percent). About half (52 percent)
report having at least one of these problems. (Liz Hamel, Jamie Firth, Larry Levitt, Gary Claxton and Mollyann Brodie, Survey of NonGroup Health Insurance Enrollees, Wave 3, Kaiser Family Foundation, 05/20/16)
Non-Group Enrollee Dissatisfaction Rose 10% From 2015 To 2016. However, the share rating their
coverage as not so good or poor is higher in 2016 (31 percent) than it was in the two previous waves of
the survey (20 percent in 2014 and 21 percent in 2015). Non-group enrollees have consistently given
their plans lower ratings than their counterparts in employer-sponsored plans, however among those
with employer coverage, the share rating their coverage as not so good or poor is also higher in 2016
than it was in previous years. (Liz Hamel, Jamie Firth, Larry Levitt, Gary Claxton and Mollyann Brodie, Survey of Non-Group Health Insurance
A May 2016 Obamacare Survey Showed That 54% Of Non-Group Enrollees View The Value Of
Their Obamacare Plan As Only Fair Or Poor Marking A 12% Decrease In Satisfaction From
2015. Similar to the trend in overall plan ratings, the current survey finds those with ACA-compliant
non-group plans are less likely than in previous years to say their coverage is an excellent or good
value for what they pay for it. Just over half (54 percent) now rate the value of their coverage as only fair
or poor (up from 42 percent in 2015 and 39 percent in 2014). (Liz Hamel, Jamie Firth, Larry Levitt, Gary Claxton and
Mollyann Brodie, Survey of Non-Group Health Insurance Enrollees, Wave 3, Kaiser Family Foundation, 05/20/16)
47 Percent Of Non-Group Obamacare Enrollees Are Unhappy With Their Deductible. However,
satisfaction with premiums and deductibles has declined since 2014. Nearly half now say they are
dissatisfied with their plans annual deductible (47 percent among all those ACA-compliant plans and 46
percent in Marketplace plans), and four in ten are dissatisfied with their monthly premium (43 percent
and 40 percent, respectively). (Liz Hamel, Jamie Firth, Larry Levitt, Gary Claxton and Mollyann Brodie, Survey of Non-Group Health Insurance
BILL CLINTON HAS EVEN AGREED THAT OBAMACARE SET-UP A CRAZY SYSTEM
THAT IS KILLING SMALL BUSINESS PEOPLE
Bill Clinton Called ObamaCare A Crazy System Where People End Up With Premiums Doubled
And Coverage Cut In Half. BILL CLINTON: insurance companies and theyre getting wacked. So
youve got this crazy system where all of a sudden 25 million more people have healthcare, 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 and its the craziest thing in the world. (Bill Clinton, Remarks At A Campaign Rally In
Michigan, Flint, Michigan, 10/3/16)

Click To Watch
Bill Clinton Claimed That ObamaCare Is Killing Small Business People And Those Who Earn Too
Much To Qualify For Subsidies. BILL CLINTON: On the other hand, the current system works fine if
youre eligible for Medicaid, if youre a lower income working person. If youre already on Medicare or if
you get enough subsidies on a modest income that you can afford your healthcare. But the people getting
killed in this deal are the small business people and individuals who make just a little bit too much to get
any of these subsidies. (Bill Clinton, Remarks At A Campaign Rally In Michigan, Flint, Michigan, 10/3/16)

Click To Watch
Bill Clinton Also Said That The ObamaCare Insurance Model Doesnt Work And Doesnt Make
Any Sense. BILL CLINTON: If you were on the other side of this. If you were an insurer its like gosh I
only got two thousand people in this little pool. Eighty percent of the insurance costs every year come
from twenty percent of the people. If I get unlucky in the pool, Ill lose money. So they overcharge you just
to make sure, and on good years they just make a whopping profit out of the people least able to pay it. It
doesnt make any sense. The insurance model doesnt work here. Its not like life insurance. Its not like
(inaudible). Its not like predicting floods. It doesnt work. (Bill Clinton, Remarks At A Campaign Rally In Michigan, Flint,
Michigan, 10/3/16)
Click To Watch
And As The Election Winds Down, Hillary Clinton Is Trying To Run Away From ObamaCare
Since Starting Her General Election Campaign, Hillary Clinton Has Largely Avoided Talking About
ObamaCare. A look at transcripts of Clinton stump speeches since she kicked off the general election
campaign on Labor Day finds the Democratic candidate almost never talks about Obamacare. She doesn't
promise to expand it. She doesn't promise to protect it. She doesn't extol its benefits. She just doesn't
mention it. (Byron York, Hillary Clinton Goes Silent ON ObamaCare, Washington Examiner, 10/2/16)
Her Silence Comes As ObamaCares Failures Multiply. There's no doubt Obamacare is in trouble.
Enrollment in the exchanges has fallen far short of projections. The purchasers of policies have turned
out to be older, and in need of more care, than expected. Major insurers are pulling out of the exchanges
altogether. Premiums are going up. Deductibles are skyrocketing, meaning many are left to pay most of
their healthcare costs themselves. (Byron York, Hillary Clinton Goes Silent ON ObamaCare, Washington Examiner, 10/2/16)
While Her Website Outlines How She Wants To Defend And Expand The Law, Hillary Clinton
Campaigns As If The Law Doesnt Exist. On her website, Clinton proposes to "defend and expand the
Affordable Care Act." She promises a public option, as well as a version of Medicare for all. But she hasn't
been saying that on the stump in the general election campaign. Instead, when Clinton speaks of
healthcare, she speaks of making it affordable, as if there were not already a massive, coercive and farreaching law called the Affordable Care Act. It's as if Obamacare never happened. (Byron York, Hillary Clinton Goes
Silent ON ObamaCare, Washington Examiner, 10/2/16)
In Numerous Speeches, Hillary Clinton Has Mentioned Healthcare But Not ObamaCare. Clinton
gave two speeches on Sept. 5, her Labor Day campaign kickoff. In the first, in Cleveland, she touted her
role in "the fight for health reforms." She didn't mean Obamacare. Instead, she was talking about her
work as first lady in the 1990s. I've spent my life fighting for kids and families, Clinton said. During the
fight for health reforms, some of you remember, powerful interests blocked our way, but I didn't give up.
I turned around. I worked with Republicans and Democrats to help pass the Children's Health Insurance
Program that covers eight million kids today. (CHIP was passed in 1997.) Later, in Hampton, Ill., Clinton
said much the same thing, touting her role in passing CHIP but saying nothing about Obamacare. The next
day, Sept. 6, Clinton spoke in Tampa, Fla. Again, she said nothing about the Affordable Care Act. She did,
however, repeat a line she sometimes uses that she wants to create a healthcare system that works
which could be interpreted as saying she doesn't think the present system, built by Obama and
Democrats in Congress, is working. On Sept. 8, Clinton traveled to Kansas City, Mo., to speak to the
National Baptist Convention. She said nothing about Obamacare. On the same day, Clinton spoke at the
historically black Johnson C. Smith University in Charlotte, N.C. She pledged to defend quality affordable
healthcare for everybody, but we're going to get the cost down. (Byron York, Hillary Clinton Goes Silent ON ObamaCare,
Washington Examiner, 10/2/16)
One Month. Sixteen Speeches. And Exactly One Mention Of The Affordable Care Act And That
Was Because President Obama Was In The Room Listening. (Byron York, Hillary Clinton Goes Silent ON ObamaCare,
Washington Examiner, 10/2/16)
1993 HILLARYCARE PAVED THE WAY FOR OBAMACARE

Clinton: Before It Was Called Obamacare, It Was Called HillaryCare. CLINTON: Before it was called
Obamacare, it was called Hillarycare, as you remember. I fought really hard. The insurance companies
and the drug companies spent millions against me. (Hillary Clinton, CNN Democratic Presidential Town Hall, 3/4/16)
Senator Tom Harkin: Clintons Fingerprints Are All Over ObamaCare. Hillary Clinton played a
crucial role in making President Obama's healthcare law a reality, a retiring Democratic senator told a
crowd in Iowa on Sunday. Clinton's fingerprints are all over the Affordable Care Act, Sen. Tom Harkin
(Iowa) said as he introduced the former secretary of State at his annual Steak Fry. Harkin, who authored
parts of ObamaCare, was referring to Clinton's efforts to expand healthcare access in the 1990s as first
lady and later, as a senator from New York. One of the things she always worked on was advancing this
conception, this idea that healthcare should be a right and not a privilege, he said. So, Hillary was not
there when the Affordable Care Act was signed into law, she was of course Secretary of State, but I want
you all to know that her fingerprints are all over the legislation. It would not have happened without her
strenuous advocacy in that committee all those years, he added. (Elise Viebeck, Dem Sen. Harkin: Hillary Clintons
Fingerprints All Over ObamaCare, The Hill, 9/15/16)
The Individual Mandate Stemmed From Clintons 1993 Plan

The Individual Mandate Is A Centerpiece Of ObamaCare. A centerpiece of Affordable Care Act, also
known as ObamaCare, is a requirement that all individuals carry some minimum health insurance or pay
a tax. The new system aims to provide insurance through state marketplaces and subsidies for tens of
millions of Americans who lack it. (Kim Dixon and Patrick Temple-West, IRS Issues Final Rules On ObamaCares Individual Mandate,
Reuters, 8/27/13)
HillaryCare Mandated That Every American Enroll In A Health Plan. Every American would be
required to enroll in a health plan. Every consumer would get a unique identification number. (Robert Pear,
Clinton Offering Health Plan With Guarantee Of Coverage And Curb On Private Spending, The New York Times, 9/11/93)
Americans Who Didnt Enroll In A Health Plan Faced A Penalty The Larger Of Either $5,000
Or Triple The Amount Of The Liability Owed. The Clinton proposal states that civil penalties
will be assessed against those who do not enroll in health plans. For offenders who repeatedly fail
to contribute to the alliance, the penalties would be the larger of either $5,000 or triple the
amount of the liability owed. Other enforcement mechanisms might be added as well. (Effects Of The
Clinton Plan, The Washington Post, 11/23/93)
The Employer Mandate Was Also An Aspect Of Clintons 1993 Plan

ObamaCares Employer Mandate Required Businesses To Provide Health Coverage Or Pay A Tax.
Small businesses with fewer than 50 workers have always been exempt from the Affordable Care Act
coverage requirements, but the law originally required all other businesses to start covering their
workers or face penalties beginning Jan. 1, 2014. The White House last July pushed that start date to
2015, in response to concerted pressure from the business community. (Brett Norman and David Nather, ObamaCare
Delay Sparks New Mandate Fight, Politico, 2/10/14)
The Employer Mandate Is The Bedrock Of HillaryCare. Equally important, Administration officials
say the White House wanted to minimize the role of the Senate Finance Committee in reviewing its
proposal. This committee has authority over tax legislation, but it appears that a majority of committee
members oppose the idea of a Federal mandate for employers to provide health insurance for their
workers. The mandate is the bedrock of Mr. Clinton's proposal. (Robert Pear, Clinton Offering Health Plan With Guarantee Of
Coverage And Curb On Private Spending, The New York Times, 9/11/93)
Mr. Clinton Would Require Employers To Buy Health Insurance For All Their Workers.
Mr. Clinton would require employers to buy health insurance for all their workers. But for
political reasons, he insists that these payments are premiums, not taxes -- a contention
vehemently disputed by Republicans and many business lobbyists. (Robert Pear, Clinton Offering Health Plan
With Guarantee Of Coverage And Curb On Private Spending, The New York Times, 9/11/93)
Clintons 1993 Plan Included A National Health Board

ObamaCare Created The Independent Payment Advisory Board (IPAB) To Make Health Care Cost
Cuts. Thats the job description for the 15 members of the Independent Payment Advisory Board the
new panel created by President Barack Obamas health care law to come up with ways to cut Medicare
spending if it grows too fast. (David Nather, Medicare Cost-Cutting Job Could Be Worst In D.C., Politico, 5/14/11)
HillaryCare Would Have Created A Powerful New Executive Branch Agency Called The National
Health Board. The health care plan that President Clinton champions in his speech tonight would
create a powerful new executive branch agency that would allocate budget dollars, interpret and update
benefits packages and monitor state plans to ensure access to health care for all Americans. The new
agency, called the National Health Board, would set national standards and oversee the administration of
the new health system, according to the 239-page draft plan prepared for the White House. (Stephen Barr,
Many Health Care Experts Sound Alarm Over Board, The Washington Post, 9/22/93)
The Board Of Directors Would Have Set Health Care Standards. BILL CLINTON: The federal
government will set up a national health board - a board of directors to set standards and make
sure you get the comprehensive benefits and quality care you deserve. (President Bill Clinton The Health
Security Act Of 1993, Press Release, 9/20/93)
In 1993, Clintons Plan Contained Medicare Cuts

ObamaCare Cuts $716 Billion From Medicare Over The Next Decade. Many of the other provisions
that would be repealed by enacting H.R. 6079 affect spending for Medicare, Medicaid, and other federal
programs Spending for Medicare would increase by an estimated $716 billion over that 20132022
period. (Congressional Budget Office, 7/24/12)
Over 30 Percent Of The Cuts Were Aimed At Reimbursements For Medicare Advantage Plans. The
Medicare Advantage cut gets the most attention, but it only accounts for about a third of the Affordable
Care Act's spending reduction. (Sarah Kliff, Romneys Right: ObamaCare Cuts Medicare By $716 Billion. Heres How, The Washington Posts
Wonkblog, 8/14/12)
Medicare Advantage Allows Seniors To Join A Private Health Insurance. The blue section
represents reductions in how much Medicare reimburses private, Medicare Advantage plans. That
program allows seniors to join a private health insurance, with the federal government footing the
bill. The whole idea of Medicare Advantage was to drive down the cost of health insurance for the
elderly as private insurance companies competing for seniors' business. (Sarah Kliff, Romneys Right:
ObamaCare Cuts Medicare By $716 Billion. Heres How, The Washington Posts Wonkblog, 8/14/12)
Lower Payments To Home Health Providers Make Up Another 8.8 Percent. (Sarah Kliff, Romneys Right:
ObamaCare Cuts Medicare By $716 Billion. Heres How, The Washington Posts Wonkblog, 8/14/12)
The New York Times Op-Ed: The Cost For Major Programs Like ObamaCare Requires Spending Cuts
Elsewhere. In the zero-sum competition for federal dollars, the cost of major spending programs like
the Affordable Care Act has to be made up by spending cuts elsewhere. The Obama administration has
reported that the Affordable Care Act will be financed in part by $716 billion in Medicare cuts over 10
years. (Thomas B. Edsall, Opinion, Obamacare, Hands Off My Medicare, The New York Times, 4/22/15)
HillaryCare Would Have Cut Medicare By Cutting Payments To Doctors And Hospitals. The
Clinton administrations plan was to incorporate Medicaid recipients into the mainstream health care
system, and enroll patients on that plan into the mainstream. It also planned to cut Medicare and
Medicaid costs by cutting payments to doctors and hospitals. (Huma Khan, Throwback To 1993? Whats New About
Democrats Health Care Plans, ABC News, 9/28/09)
Hillarys 1993 Plan Also Paved The Way For Essential Health Benefits
ObamaCare Forces Health Care Plans To Offer A Comprehensive Package Of Items And Services,
Known As Essential Health Benefits. The Affordable Care Act ensures health plans offered in the
individual and small group markets, both inside and outside of the Health Insurance Marketplace, offer a
comprehensive package of items and services, known as essential health benefits. Essential health
benefits must include items and services within at least the following 10 categories: ambulatory patient
services; emergency services; hospitalization; maternity and newborn care; mental health and substance
use disorder services, including behavioral health treatment; prescription drugs; rehabilitative and
habilitative services and devices; laboratory services; preventive and wellness services and chronic
disease management; and pediatric services, including oral and vision care. (Essential Health Benefits,
Healthcare.Gov, Accessed 3/17/16)
HillaryCare Included Standardized Benefits. In addition to guaranteeing insurance coverage, the
regional alliances were a key element of cost containment. Managed competition was the buzzword; the
idea is that by standardizing benefits and prohibiting selection, competition among insurers would focus
on prices and quality, not selection of risk. (David Cutler and Jonathan Gruber, Health Policy In The Clinton Era: Once Bitten, Twice
Shy, Harvard Kennedy School Of Government, May 2001)
Clintons 1993 Plan Also Contained Tax Hikes

ObamaCare Raised Taxes On Americans Earning Over $200,000. Starting in January, the health care
law will require workers to pay an additional tax equal to 0.9 percent of any wages over $200,000 for
single taxpayers and $250,000 for married couples filing jointly. (Robert Pear, New Taxes To Take Effect To Fund Health
Care Law, The New York Times, 12/8/12)
Clinton Called For Higher Taxes On People Earning More Than $250,000 A Year To Fund Her
Health Care Plan. Mrs. Clinton has pegged the cost of her plan at $110 billion. About half would come
from savings generated by improvements in prevention, chronic disease management and electronic
record keeping. The remainder would be produced by rolling back President Bushs income tax cuts on
people earning more than $250,000 a year. (Kevin Sack, Clinton Details Premium Cap In Health Plan, The New York Times, 3/28/08)

The ObamaCare Disaster: Designed by Clinton and Obama

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Obamacare: A Failed Law Of Broken

Significant Spikes In Premiums, Insurer Dropouts And Persistently Low Enrollment

Broken Promise: Like Your Plan, Keep Your Plan

Broken Promise: Increased Competition

According To The Washington Posts Fact Checker, ObamaCare Is Reducing Competition As

Broken Promise: No Tax Hikes On Middle Class

DESPITE OBAMA AND CLINTON PROMISING LOWER HEALTHCARE COSTS,

2017 ObamaCare Individual Plan Premiums Will Increase By An Average Of 16 Percent. In a

DEDUCTIBLES AND OUT OF POCKET COSTS ARE ALSO INCREASING AT ALARMING

THE CLINTON-OBAMA SOLUTION IS TO SAY KEEP SHOPPING WHILE AMERICANS

17 OF THE 23 ORIGINAL CO-OPS HAVE FAILED, COMPOUNDING THE LOSS OF

OBAMACARES BIG TICKET TAXES

At Least Seventeen New Taxes Were Required To Fund ObamaCare

Cost (In Billions)

Mandated Employer Penalties

Delayed Until 2020

Delayed Until 2017

Health Insurance Tax (HIT)

Tax On Individuals With High Out-OfPocket Medical Expenses

Penalties On Economic Substance

Tax On Withdrawals From Health

Tax On Self-Insured Plans

Tax On Retirees Prescription Drug

Medicine Cabinet Tax

Businesses Expenses Deduction Limit

Tax On Certain Health Organizations

OBAMACARE HAS FAILED TO GARNER SUPPORT FROM THE MILLENIALS IT NEEDS

ITS NOT JUST MILLENNIALS, A MAJORITY OF AMERICANS HAVE NO FAITH THAT

Only 18 Percent Of Likely Voters Favor Keeping ObamaCare As It Is Currently Constituted.

American Health Care, Politico-Harvard, 10/16)

A May Kaiser Family Foundation Study Also Showed ObamaCare Is Upopular

1993 HILLARYCARE PAVED THE WAY FOR OBAMACARE

The Individual Mandate Stemmed From Clintons 1993 Plan

The Employer Mandate Was Also An Aspect Of Clintons 1993 Plan

Clintons 1993 Plan Included A National Health Board

In 1993, Clintons Plan Contained Medicare Cuts

Clintons 1993 Plan Also Contained Tax Hikes

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