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Speak Out: Your Obamacare Nightmare

ACA SpeakoutThe Daily Rant has been getting a lot of emails about Obamacare nightmares and horror stories. We are collecting your Affordable Health Care Act stories in the comments section of this page, and hope to use them all in one document. Thank you for trusting us with your Obamacare experience.

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86 Responses to Speak Out: Your Obamacare Nightmare

  1. Martin February 16, 2017 at 8:49 pm #

    I cannot believe that I had to pay for a HDHP since I could not afford losing 300$ off my check (didn’t even make 20k last year), which in turn I had to pay over 3k in order to start using it. So finally decided to see an ENT since I need to have my tonsils removed and figured well I am already paying for it, WHAT A JOKE. I should have just paid for the surgery out of pocket since I had to rack up a 3k bill for a stupid sleep study, get on a CPAP machine (which doesnt work btw) and get charged monthly for that, PLUS PAY THE FREAKING DOCTOR IN ADDITION TO ALL OF THIS! Now please, someone explain to me how and the hell this is affordable, its a bunch of bull crap is what it is. Plus I had to step down from full time and lost my coverage, THUS PAYING THE PENALTY AS WELL. Screw you Obama and liberals.

  2. Pamela Winebarger January 7, 2017 at 9:17 pm #

    My husband and I had insurance in 2015, and it wasn’t bad, $219 monthly, and we went thru a broker, they got us help with the Affordable Act, but 12/31/2015 the insurance company dropped out of the affordable act and we got a letter in the beginning of 2016, that we were never eligible for the subsidy and we owed the IRS $11690.00…we ended up filing bankruptcy because we thought we wouldn’t have to pay this, it wasn’t our fault, but we do have to pay it back, so come to find out, the broker and the operators with Obamacare misrepresented us in the market place, and we were never eligible,they put in the wrong information and never included my husband’s income because he is on Social Security disability, so in 2016, we couldn’t afford the medical insurance for me, but hubby has medical issues and thankfully he became eligible for Medicare and we got a medicare supplement for him, but I couldn’t afford $600 monthly with a $6500, for virtually no coverage at all, only catastrophic, so I pay for my thyroid medication without insurance and we thought we would be able to get me insurance this year, but no, too expensive and we can’t afford it this year either, so it has costed us way over $14000 in the last year for Obamacare, please, I am ready for change!

  3. Patrice December 27, 2016 at 10:51 pm #

    My new job doesn’t offer medical insurance, was told to go to the market place it’s easy. Please, within three hours I had at least fifty calls and twenty messages. First if I am interested in anyone I was checking I believe I should call them not random calls harassing me and most are showing on my phone as a possible scam. I answered one call it seemed like it would be a good fit, guess what it wasnt because it didn’t cover prenatal care. I’m fifty years old what the hell do I need prenatal care. This would only inhance insurance I already didn’t have. This doesn’t make sense at all. I’m done trying to find it. If I can’t make the call to get a quote instead of being flooded with unwanted calls them for get it. I’d rather take the fines.

  4. Big D December 27, 2016 at 4:14 pm #

    In Illinois you only have one option for an insurance company. My Health insurance is more than my rent. Work is slow so I need to put my monthly premium on a credit card. Turns out they stopped taking credit cards! WTF now what am I supposed to do? I don’t have that kind of cash! Obama was the biggest POS that ever lived. Obama has so turned my quality of life upside down it isn’t even funny. Now just dealing with the insurance company and paying my insane premium gets my blood pressure rising. It seriously has stressed me so much that I now have high blood pressure. Im only 34!

    So glad Trump is in, SCREW YOU OBAMA

  5. Scott November 29, 2016 at 9:08 pm #

    I say we have ourselves good old fashion Tar and Feather party guest of honor is that piece of shit Obama. All other politicians are required prior to the December 1 deadline to bring there sorry carcass to the party I’ll supply the bats and we can beat the shit out of all these parasites. Better yet lets all stop paying our taxes and insurance and see if this plague can survive without our money. This is why the 2nd Amendment is so important Tyranny is at the door time to take up arms and fight back.

    • Annoymous January 30, 2017 at 10:29 pm #

      That’s kind of what I did . Attempted to pay cash for surgery that I could afford, The patients on the gravy train were prioritized ahead of me. It pissed me off so bad I didn’t go to work for three years because I was so mad about paying for other people’s free healthcare . Considering moving to another country because of it . I flat refuse to pay anybody else’s way when I was denied surgery and I had cold hard cash to pay for it . Mad as hell doesn’t even begin to touch it .

  6. ANTHONY November 21, 2016 at 2:32 pm #

    Just went to renew my Obama care in AZ. My premium went from 687 a month to 1,876.00 a month. Guess who has no insurance come the first of the year. This is the first time in 61 years I will have no health insurance, thanks for nothing Obama.

  7. Timon Hallas November 20, 2016 at 1:28 pm #

    Florida: Self employed 52 old male with zero health issues.

    Cheapest>>>$5K per year with $7500 deductible>So, I’m out $12,500 before I see any benefit.

    Most Expensive?>$16K per year with $800 deductible..and $2500 max out of pocket.

    Insane.

    Plus, for companies that provide insurance that’s “too good”…pay a penalty. Amazing.

    With her support of Obamacare, I’m dumbfounded that Secretary Clinton got 2 votes.

    Plus, the majority of “victories” of adding millions of Americans to the “rolls of the newly insured” were merely new Medicaid and Medicare recipients.

    Of course, every government website misleadingly states gross numbers, not the numbers’ compositions.

    Ah…also, The Obama team also abruptly started to exclude uninsured illegal immigrants from the national tally on total number of uninsured Americans. Before Obamacare, these individuals were counted in that reporting, inflating the numbers. After Obamacare, these individuals didn’t get insurance, but suddenly didn’t get counted any more.

    Slime.

  8. Gary Wagner November 17, 2016 at 8:25 am #

    Obamacare has just pushed my healthcare costs up another $2,000 next year. Here’s a breakdown of what the worst government program in history has done to me so far:

    Premiums: up $1,800 per year = +81%
    In-network deductible: up $1,200 per year = +150%
    Out of network deductible: up $6,500 = +217%
    In-network out of pocket maximum: up $3,500 = +140%
    Out of network out of pocket maximum: up $17,500 = +233%

    Total potential cost: up $30,500 = +190%

    My wife is disabled and we have a lot of medical expenses so we always hit the in-network deductible and out of pocket maximum. That means before Obamacare my total healthcare cost for a year, if I was able to stay in-network for everything, was $5,520.

    in 2017? My cost will be $12,020. That is an additional $6,500 per year for my healthcare, a 118% increase.

    And that isn’t even the scariest part. Before Obamacare, if I hit the maximum of both in-network and out of network limits, my total out of pocket cost would have been $16,020. Next year? $46,250. So because of Obamacare I get to live with the real possibility of going bankrupt over medical expenses.

  9. Brock November 17, 2016 at 6:43 am #

    When the ACA went into effect I had my own insurance plan. Instead of offering benefits my employer paid a health and welfare allowance of $3.71 an hour (about $593 per month). My plan cost $750 per month, with a $750 per person deductible. I was perfectly fine with my plan, I was one of the hopelessly naive Americans who believed Obama when he said we could keep our plans, so I wasn’t too worried.
    Fast forward to September of that year, I get a notice from my insurance telling me my policy is being cancelled because it doesn’t meet ACA requirements (it didn’t include maternity or mental health coverage…fine with me, I don’t need it). So I get on the marketplace looking for new insurance and find a plan with similar coverage to what I had…$1,450 per month (no thanks). Then I find a plan for the same price that I was paying before…$800 per month, no individual deductible, $10,000 family deductible, no office visit co-pays. So I have to pay $800 per month, and then pay every penny of medical expenses until I reach $10,000, I don’t think so. So I decided to go without, big mistake. I was uninsured for three months that year, it cost me $1,350 in fines.
    I make too much money to qualify for subsidies, but not enough to actually be able to afford a decent plan, and I’m not going to just throw $800 a month if I have to pay for all expenses anyway.
    Long story short…Fuck You Obama

  10. Tony Barlaam November 12, 2016 at 8:51 am #

    The government has no business in being in the insurance business. It violated the constitution when the Social Security Act ( A hoax ) passed under the guise of a tax. Contrary to Article 1 section 8 of the constitution. From then on, these power hungry politicians conceived of so many ways to distort the truth and enslave the masses.
    Obamacare like any other for of insurance is a Marxist idea where you take from those that work and give it to those that don’t give a darn. Also there is the consequence of being penalized for not complying with this law and there is no recourse for any mal doing.
    When we hear about the good that it did, by adding 20 million people on the role, they don’t tell you that a lot of these people, especially the young, did not care for this. Also it places a burden on all of us to give protection to many illegal and foreigners who can go anyplace and get service for nothing. It also gives rise to many abuses due to the bureaucratic nature of everything that the government does and that is that these bureaucracies promote the increase of wrong doers in order to gain more power.
    But the most egregious violation of our rights is that the people that force these unconstitutional laws onto us, are exempt from their own benevolence.
    Power corrupts and absolute power corrupts absolutely.
    One suggestion is that no matter what laws the congress passes, that first there would be a constitutional review and secondly an audit during the administration of such a law and done by non partisan individuals.

  11. Mike November 11, 2016 at 12:13 pm #

    Affordable Care!!! An oxymoron of the highest degree!

    Our health care system is so broken it won’t be long before our economy is destroyed. Like so many, I don’t get health care coverage through an employer. Between health insurance premiums ($2100/month) and my mortgage ($1500/month) I spend 45% of my disposable monthly income. That doesn’t leave much left to spend on other economy generating goods. I’ve canceled cable, reduced retirement savings, taken fewer vacations…..Reducing our discretionary income sounds like a great way to destroy our economy.

    What a great legacy Obama is leaving for future generations!

  12. Deb November 10, 2016 at 9:05 pm #

    Just found out the least expensive health insurance plan for 2017 for 2 people is $1,150 a month, $10,000 deductible. There is no way we can afford this however at our ages we can’t afford to be without it health ins. We are both self-employed professionals. They have essentially jacked up our premiums to pay for everyone else’s.

    • Deb November 10, 2016 at 9:06 pm #

      AND…we are limited to providers in one county at one medical facility!!

  13. tessie calcines November 4, 2016 at 2:12 pm #

    Never mind you can keep your plan, doctor, save money, all lies. I received the dreaded statement announcing my premium is going up $122.00 for next year which will now be $475.00 per month. The primary doctor I found through Obama Care is no longer accepting Molina’ Health Plan and the other plans are so expensive that are not affordable. So basically I have nowhere to go. Mr. Obama, what where you thinking!!!!
    T. Calcines

  14. Kevin November 3, 2016 at 3:57 pm #

    I am 67 years old and recently retired after 48 years with the same company. My wife is 58 years old. While I was working my employer sponsored health insurance for me and my wife was $277 per month or $3324 annually.
    My annual income before I retired was $103,000 and my wife did not work. In retirement with pensions, SS and 401K our annual income will be $81,000. My wife is 58 years old and so I went to start her insurance for 2017. Comparable insurance plan to my employer sponsored will cost $1,905.63 monthly, cheapest bronze plan is $889.31 monthly. Combine the bronze insurance cost for my wife with my Medicare premium, supplement premiums and her deductibles our monthly insurance will be $1,647 a month or $19,764 annually. That is 24% of my retirement income. That is a disaster for me. I should have never retired! Worked all my life, paid hundreds of thousands in taxes and now I get shafted when I retire. I am not rich but because I am middle income bracket I will have to pay 24% of my retirement income for medical insurance. Obama care has ruined my retirement. Cancel any travel or fun things. This is not fair and I want something done about it. I have saved and planned for retirement. Budgeted $400 per month on my wife’s insurance and now find it will cost $900 per month with $5,200 deductible and 50% copayments. Why do the middle income carry all the burden? There are fewer of us every day. Wished I had never voted for Obama.

    • Jonathan Mason January 2, 2017 at 5:04 pm #

      You could go and live in the Dominican Republic in great luxury and pay cash for your health care during your retirement, and have enough money left over to take a round the world cruise every year. In 7 years your wife will get Medicare, so then you can return.

  15. Don October 30, 2016 at 2:13 am #

    Wait until you get the 2017 premiums – it just keeps getting better. Thanks obama -pos

  16. Cory October 26, 2016 at 2:55 pm #

    I am self-employed and had a nice HSA plan for my family and I with a monthly premium of $325 for a $5400 deductible plan. Since Obamacare started, my premium has risen and now the same plan costs me $1000/month…for the same $5400 deductible. How is this possible? How many people are getting subsidized by my payment at my expense? Why is it okay to drain my bank account of an extra $8400 per year to pay for other than get the same covered for less than $100/month?

    Back when I was single, I bought health insurance. I couldn’t afford to eat out every night, drive a new car with fancy rims, cable TV, or new fashion clothes AND pay for my insurance. I made the decision to buy the insurance rather than whine about not having enough money to do all this other stuff I wanted in order to be responsible and get insurance. That situation hasn’t changed, except now the gov’t takes from me to give to those of don’t want to budget so they don’t have to make hard decisions. It’s another tax on people how have worked hard and achieved in this world…and it’s as disgusting as any other tax that punishes those that have to give to those that do not. Make me sick. Unfortunately, it’s hard to rollback an entitlement and trashing this crap (i.e. Obamacare) is going to be difficult.

    You know, I’ve thought of shuttering my business and going to work for the gov’t. Let them take someone else’s money to give to others. I’m gonna move over to the group that drains tax dollars from that group that supports the whole house of cards. Maybe we can speed up the crash and then work on rebuilding once we clear the rabble from DC.

  17. Pissed October 21, 2016 at 4:53 pm #

    Fuck Obama and Obamacare. Premium is going up $700/month in 2017. All so some no job having, suck off the system, low life motherfucker can have coverage.

  18. nameplate October 19, 2016 at 2:20 pm #

    OMG. Type 1 diabetic/asthmatic/allergies. I work a job to afford food/healthcare. I can’t afford anything else.
    F-U OBAMA.

  19. Alex k October 18, 2016 at 4:30 pm #

    single
    Female
    34 yo
    Unemployed
    No pre-existing
    No government benefits

    Obama care has only offered me $10/mo discount. I am not eligible to sign up for Obama care until November for active insurance in January.

    Every plan I’ve researched on the open market does not include any preventative care, no female care like obgyn or birth control and definitely not covered for pregnancy. The minimum price for these plans are 300$+ and only allow 4 doctor visits a year and very high deductibles. How in the world is anyone supposed to afford insurance???! It’s a snowball affect which is crushing our economy! Take me for example. I can’t afford health care and if I could it still doesn’t cover what I need. Let’s say I get pregnant, that’s not covered so I either go into debt or apply for welfare. Both of those things only contribute to a bad economy! Does anyone know where to find some trustworthy information?!?!? PLEASE!?

    • Southern Lady December 28, 2016 at 4:53 pm #

      Alex K
      Check on Christian care network it was form to help all Christians share medical care cost among members and leave government out of it. My friend told me about it
      I will pray for you to get help

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