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Obamacare Personal Story

Posted by Larry Doyle on October 30, 2013 12:48 PM |

With Secretary of Health and Human Services Kathleen Sebelius taking center stage this morning to address the train wreck that defines the roll out of Obamacare, the lives of countless citizens in our nation are being impacted like never before.

Who in our nation would not want comprehensive and affordable coverage for all our citizens? The question is, obviously, how to attain that?

Do I think President Obama intentionally misled the American public that they could continue their health care coverage if they liked it so as to sell Obamacare? Yes, I do. Why? I think that like many a politician from both sides of the aisle our President believes the ends justify the means. Yet, let’s dispense with the politicking and finger pointing and look at the trauma facing an individual family from an Obamacare site launched to solicit stories such as this: 

Thank you for the opportunity to share our story.

Facts: we are a family of 4 living in the middle class bracket. Our daughter (4 yrs old) has Down Syndrome.

My husband and I make an average gross income of 150K annually. He is self employed and I work as a professional.

Prior to Obamacare we could afford all medical/therapy related Needs for our daughter.

Post Obamacare we cannot and have bills coming at us weekly from any doctor/hospital or lab/therapist that we see in a given month.

It is not my daughter’s fault that she needs help so I take full responsibility for her needs and care. Unfortunately, even with all other living arrangements being equal, I have lost 8,000 in income to out of pocket expenses and that amount is what I have been able to pay out of pocket. I am now on a payment plan with 4 providers because I can’t pay them. This is after insurance offered by my company and my investment of 3,500 into flex spending has been used up.

I now am having to consider cutting therapy sessions (she has apraxia) and we want her to have the help she needs to learn to speak but the bills aren’t getting paid because of limits in care by my firm and me being able to pay the bills for more care and not having income left to do so.

Finally, next year the limit for flex spending is going from 8,000 to 2,500. This is honestly unimaginable to those of us trying to care for our own. This is by far the biggest shock as you would expect more help not 40% less!

I am meeting with a social worker next week to determine if working hard and having an income is a detriment to my daughter’s ability to qualify for the care she needs. If I make less money and can qualify for government help and let my fellow Americans pay a portion, I will likely have no choice but to do it because my purpose in life is to care for my children who cannot do it themselves.

This has been a very depressing 2 years as Obamacare in the short term has dramatically changed our way of living and providing for our family.

While I am trying to remain optimistic, the results speak volumes to me as a citizen.

I beg you to consider my example, as there are 1,000’s of my story out there and there will be more and more as companies change their healthcare plans to reflect the market trend.

I do not want to ask my fellow Americans to pay my bills through Medicaid and I do not want to give up my career just to qualify to get her the help she needs either. There has got to be a better way and this current system isn’t it.


Stacey Y

And how does the representative of Obamacare respond to the plight of this troubled woman?

ANSWER: Coming Soon

Coming soon? As in “trust us?”

Do you trust Uncle Sam to deliver quality and affordable healthcare for every citizen in our nation? Or will Obamacare be little more than a government program that runs with all the efficiency of the Post Office and compassion of the IRS?

All comments and personal stories encouraged and appreciated.

Larry Doyle

Please pre-order a copy of my book, In Bed with Wall Street: The Conspiracy Crippling Our Global Economy, that will be published by Palgrave Macmillan on January 7, 2014.

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I have no business interest with any entity referenced in this commentary. The opinions expressed are my own. I am a proponent of real transparency within our markets so that investor confidence and investor protection can be achieved.

  • Peter Scannell

    LD, This is the first letter on the site you linked. If Australia and Canada can do it well – why can’t America do it best? Where is America’s can do attitude when it comes to affordable health care for all.

    I grew up in Oregon but now live in Australia, a country with a national health scheme. My son, who is currently in the U.S., had an cycling accident in Montana and was treated in Northern Idaho. He had to have major stitches on his foot. The bill was over $600 for something that would have been treated as part of the national scheme down here and would have cost less than one third of the cost in the U.S. Fortunately for my son, the doctor waived the bill under some local (northern Idaho) program, but we were going to pay the bill to avoid any legal action against our son as his travel insurance had expired.

    When I was in the U.S. a few weeks ago, I lost an asthma puffer and when I looked into replacing it in Oregon, I was told I needed a doctor’s prescription and $95 for a single puffer. Something is very wrong in the U.S. when an item so common and important in the treatment of asthma costs 10 times more than it costs in other countries. An asthma puffer in Australia is less than $10 and can be purchased over the counter. Thank goodness Australia has a pharmaceutical benefits scheme that keeps the cost of medication within reason.

    The folks who cry ‘socialism’ whenever ‘Obamacare’ is mentioned need to have an objective look at how health care operates in other countries because caring for your citizens should not be a profit industry, it should be caring and compassionate field. If Mr Romney genuinely cared about the American people, he would back this compassionate policy. He and his fellow republicans should be ashamed for turning a caring and sensible policy into an evil and unaffordable policy.

    ‘Obamacare’ must become reality early in the days of the next Congress.
    Robert H
    Temora N.S.W. Australia

  • Always Learning

    For every negative Obamacare story, you will find a good one. I just never thought getting health insurance would be a zero-sum game. Someone gets a good deal at the sacrifice of another. There have been some exemptions and waivers given out (i.e. businesses with 100+ employees) postponing the law until 2015, so at this point it seems the majority of people getting a bad deal are the 15 million in the individual insurance market. The Obama administration seems to think this number is insignificant.

  • Rush

    Chaos is Part of the Path to Single Payer

    October 29, 2013

    RUSH: From a seemingly surprised NBC News, Lisa Myers: “Obama Administration Knew Millions Could Not Keep Their Health Insurance.” All we have here is a random act of journalism. NBC News and Lisa Myers — who’s good, by the way. But they do seem surprised. I guess that’s what continues to get to me. I don’t understand all the surprise from people. I guess Drive-Bys, we can understand it, but it’s been well known all along.

    We’ve said that 100% of current health insurance plans are gonna have to be canceled because no insurance company can offer insurance at the same price with all the Obamacare mandates piled on. It’s just not possible. With every Obamacare mandate, there’s no way that you were gonna be able to keep your insurance, yet it is in the law. I read to you from the actual law, Obamacare, where it says you get to keep your insurance, but you don’t. Valerie Jarrett has tweeted today (paraphrased), “Well, that’s not our fault. The insurance companies did it!”

    Well, it’s just a lie. The insurance companies are having to change everything in order to be compliance with all of the mandates that are in Obamacare. “President Obama repeatedly assured Americans that after [Obamacare] became law, people who liked their health insurance would be able to keep it. But millions of Americans are getting or are about to get cancellation letters for their health insurance under Obamacare, say experts, and the Obama [regime] has known that for at least three years.

    “Four sources deeply involved in [Obamacare] tell NBC News that 50 to 75% of the 14 million consumers who buy their insurance individually can expect to receive a ‘cancellation’ letter,” and they have begun in droves. We’re now into the hundreds of thousands of people who have gotten cancellation letters, and these are people who fully expected to be able to keep their plan, because the president of the United States assured them they could!

    Yet here comes NBC News saying the regime knew all along that wasn’t gonna happen, which means the regime was lying from the get-go, all along. They knew that what they were saying wasn’t true. They knew that premiums weren’t gonna come down $2,500 and they knew that people weren’t gonna be able to keep their plans — and can I give you the main reason why? Because the long-term objective of Obamacare is to get rid of insurance companies, long-term.

    I’m fully convinced that the chaos that’s happening now could well be intentional to speed it up. Folks, if you go listen (I’ve got the sound bites here, and I’m gonna get to ’em in the next hour) to Obama telling union people what the plan is for how to get single payer, that’s what this all about. It’s how to get to one provider for health care and insurance, and that’s the federal government. That’s the objective. It’s been the objective for 50 years! Obama told the SEIU in 2007 that he knows people wouldn’t accept it overnight.

    He said that it’s gonna take five, 10, maybe 15 years to get there — and the way we’re gonna get there is to have people demand it, and how do you do that? You so screw up the existing system that people say, “Could you just strip all this away? You guys do it,” and eventually get to single payer with the public frustrated and demanding that. That’s been the plan all along. The plan all along is to eliminate private sector insurance, and I’m just gonna tell you again: I have known this since before Obama was inaugurated.

    I have known this since before I heard of Obama. This is what the Clintons intended Hillarycare to be. This is not a mystery. It’s not up for debate. This is not something that I might be wrong about. This is who they are, and it is what their plan for health care is. It’s right out there. All you have to do is to accept it, and apparently that’s what’s so difficult for people to do. Grab sound bite number four. Get number four first. NBC Nightly News, Peter Alexander was reporting on Obamacare and how many people are losing their coverage.

    ALEXANDER: That millions will lose or have to change their individual policies is not a surprise to the administration. NBC News senior investigative correspondent Lisa Myers found buried in the 2010 Obamacare regulations language predicting a reasonable range for the percentage of individual policies that would terminate is 40% to 67%. Health policy expert Bob Laszewski says the new rules make it difficult to carry over an old plan with less comprehensive coverage.

    RUSH: Right, there it is. Now, NBC, I think you should know, has deleted this story from their website. Our buddies at Breitbart found this. “On Monday, NBC News reported that President Obama’s administration knew for three years that Americans would lose their current insurance under Obamacare. The story quickly became the lead at the Drudge Report, making it the hottest political story on the Internet immediately. For several hours, there was no problem. Then, late at night, the story was pulled, the link was changed thereby breaking the Drudge link, and stealth edits were made to the piece. In particular, one key paragraph met the cutting room floor…”

    So NBC yanked it after their own report had publicized it. Forty to 67% of existing of existing plans would go by the wayside. Lisa Myers found that language buried in the 2010 Obamacare regulations predicting 40 to 67% of current plans would have to be canceled. Now, NBC deleted the article and they put it back up without a “key paragraph,” is what they did. They eliminated a key paragraph. Now it’s all back up from what I understand because so much heat was brought to bear on the fact that they took it down.


    RUSH: Can we assume that everybody on our side understands the long-term objective here is single payer? I guess we can’t assume that everybody on our side understands that, either, ’cause Obama may be a “pragmatist,” and he may recognize his mistake down the road and correct it.


    CBS News, in addition to NBC and a random act of journalism, with a story yesterday saying the Obama administration knew that up to 67% of people were gonna lose their insurance as far back as 2010. They knew it. It was in the law that they wouldn’t lose it, but nevertheless, they knew that people were gonna lose their insurance. So when Obama was out saying, “If you like your plan, you keep it,” not true. When Obama was out saying, “And the average premium’s gonna come down $2,500 per year per family,” not true. None of what has been said about this pretty much, in terms of the ways that they have promoted it and sold it, turned out to be true at all.

    And now CBS. “CBS News has learned more than two million Americans have been told they cannot renew their current insurance policies — more than triple the number of people said to be buying insurance under the new Affordable Care Act, commonly known as Obamacare.” You know, the real news here is that the American media has briefly come out of retirement here to report this.

    Now, this is news that was all obvious three years ago. It was obvious that Obama was not telling the truth when he told people they could keep their plan and it was gonna cost $2,500 less. And the media knew it. Well, maybe they didn’t, you know, so incurious, maybe they didn’t. They just accept whatever Obama says. But whatever, there are some random acts of journalism taking place now. It’s almost like they’ve come out of retirement to report the news here and there. It’s my contention that this news was obvious years ago, just like who Obama has always been was obvious years ago. Just like it’s always been obvious that where we’re headed is single payer.

    Let’s get to the audio and illustrate. First, here is Jan Crawford, CBS This Morning, talking about this two million Americans have been told they can’t renew their current plans.

    CRAWFORD: This is just 27% of the iceberg, and the people who are opening these letters are shocked to learn they can’t keep their current policies, despite the president’s assurances to the contrary. It’s an unexpected reality (sic) of Obamacare, being told through anecdotes in local papers and on social media. CBS News has confirmed with insurance companies across the country that more than two million people are getting notices they no longer can keep their existing plans. In California, 279,000; in Michigan, 140,000; Florida, 300,000; and in New Jersey, 800,000 — and those numbers are certain to go even higher. Some companies tell us they’ve sent letters but they won’t tell us how many.

    RUSH: Now, in this report, she says, “It’s an unexpected reality of Obamacare…” It’s not unexpected! This is what I’m gonna have to come to grips with. I just have made too many assumptions. I’m not including the media. I mean, I know that they’re just Democrats disguised as journalists, but on our side, I have made the assumption that everybody knows what we’re up against, that everybody knows what we have to defeat, and I’ve been terribly wrong.

    I don’t think, in all candor — and it’s kind of sad. I don’t think that inside the Beltway, in either the Republican Party or what is said to be the conservative movement, there is an attitude of, “We have to defeat them.” I don’t think there’s a desire to fight any of this. I think there’s a desire to commentate on it and to explain it, maybe point out Obama’s hypocrisy, but I don’t sense a desire to fight.

    When people rise up and want to fight it like Ted Cruz and Mike Lee, look what happens to ’em. They get shot down by their own party. It’s the Let’s Not Make Waves Coalition or Chorus inside the Beltway. This is what I’ve been wrong about. Maybe you guys have known this and figured it out long before I did. I mean, I know we haven’t been universal here, but the number of people who do not have any desire to fight or defeat this, I think, is much larger than I assumed.

    I think that, by the way, is one of the explanations for the divide that exists in the Republican Party and the conservative movement. There’s some of us that want to fight and defeat this, and others who have no desire to do that, who think doing that actually is a mistake. It’s a waste of resources. They just want to win the election, get their Senate chairmanships back, and be in charge of the money.

    That’s victory to them, not defeating any of this, not stopping any of this — and that’s why the Tea Party exists, in fact, because those people want to defeat this. Defund it, delay it, repeal it, roll it back. The Tea Party is made up of people who want to put the brakes on this mad dash to the left in this country. Many of their elected representatives and people who they think are their media supporters in Washington are not of that mind-set.

    That’s the divide. (interruption) I see Snerdley nodding his head in agreement an eighth of an inch at a time in there. I could detect that, an eighth of an inch, like Nero Wolfe did. Now, here’s Obama. We played this before. I can’t tell you how many times we’ve aired this. This goes back to 2007 at a Service Employees International Union health care forum. This is presidential candidate “Barack Hussein Obama! Mmm! Mmm! Mmm!” in 2003.

    OBAMA 2007: My commitment is to make sure that we’ve got universal health care for all Americans by the end of my first term as president. I would hope that we set up a system that allows those who can go through their employer to access a federal system or a state pool of some sort, but I don’t think we’re going to be able to eliminate employer coverage immediately. There’s going to be potentially some transition process. I can envision a decade out or 15 years out or 20 years out.

    RUSH: Do you hear that? We played this I can’t tell you how many times during the 2008 campaign. I can’t believe that people on our side never heard this or heard about it or read this or didn’t know it. “I would hope that we set up a system that allows those who can go through their employer to access a federal system or a state pool of some sort,” an “exchange,” if you will.

    [B]ut I don’t think we’re going to be able to eliminate employer coverage immediately,” but we’re gonna be able to eliminate it — and when you eliminate employer coverage, it’s, “Hello, single payer!” It’s gonna take “some transition process.” He’s telling the SEIU guys to be patient, but they all know where they’re headed: Single payer. Let’s go back to 2003, Obama at an AFL-CIO conference, campaigning for the Senate.

    OBAMA 2003: I happen to be a proponent of single-payer, universal health care plans!

    FOLLOWERS: (applause)

    OBAMA 2003: Single-payer health care plan! Universal health care plan! That’s what I’d like to see.

    RUSH: That’s 2003, 10 years ago. It is not a mystery what this man has wanted, folks. All it takes is the courage to believe it, and it’s right out there.

    (playing of spoof song)


  • Debbie Flork

    Hello Mr. Doyle:
    I love your news letters and insights.
    This story is just heart breaking in so much as tears were rolling down my face from reading it. I can’t even imagine how many more people out there are experiencing the same kind of problems.
    This is such a horrible situation that this Obama administration and the rest of these government cronies have put people into, that I just can’t find nice enough words to express what I feel for these poor people of ours.

    The main message that comes to me when I read your letters is: We the people need to get rid of the current government and put someone in there who will do for the people, by the people and of the people.

    Thank you. I could go on and on, but what good would that do.

    • LD


      Thanks very much for writing and expressing these sentiments.

      Yes, you are right. I am disgusted by the manner in which our so called political leaders engage in crony, corruptible behaviors and practices all while sticking our kids with ever larger bills to pay.

      I hope you might choose to buy my book coming out in early January 2014 as I address my feelings on these topics in regard to the conspiracy between the pols, banks, and regulators.

      Thanks again for writing.

  • Like Your Plan?

    If you like your plan, keep your plan . . .

    Time after time after time. . .

  • Ray
  • Ray

    This was never meant for the patient or the taxpayer – this always was a way to pay off the supporters. Nancy “you have to pass the bill to find out what’s in it” Found out and got the themselves out. Union supporters found out and want out.

    Many doctors are also opting out, so for the mega premiums you may not get much. Karl Denninger did some comparisons and found the number of plans available are a lot fewer. Some counties only have 1.

    Also see “Thoughts on Obamacare” by a surgeon.

    Singapore and many other countries have some basic care that is affordable.

    The admin is no longer afraid of looting in broad daylight. This is clearly a payoff not only for the various parts of the healthcare industry but also for the companies who implemented it (about $500m) and will now get more to fix it.

    Things seem to be getting to a peak. I think that all the various parties (e.g. insurance companies, hospitals, etc) are going to find only the sick can afford the plans (lower cost for them) and the healthy are going to opt out. Premiums will be going up even more.

    Hopefully this monstrosity dies before causing anymore damage.

    Thanks LD for shedding light on the this and all the various topics.

  • The sad, as well scary part is that this woman’s story is but one of so many and there are so many more to come.

    Why is this happening in America? Try this: Control the ability to get and give healthcare and you control the people.

    Americans have sat back and just accepted whatever befell them much too long.

  • Buddy

    There are consequences for the vote you cast get informed, pay attention, it’s the only way this will ever change.
    Make your voice heard in the ’14 elections and vote!

  • Always Learning

    More lying . . .

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