Affordable Care Act

Thursday, October 24, 2013 – 09:30 a.m.

A few months ago I said that the onset of the Affordable Care Act, also known as Obamacare, would likely be problematic for Democrats at the national level.

That prognostication is starting to ring true.

All the hubbub over the failure of the HealthCare.gov website is only just the beginning.

Many highly-qualified software program code writers are saying the current structure is likely not salavageable, and will have to be trashed. Otherwise in could take some time before the sight has reasonable functionality.

But it’s what’s starting to happen now that will turn the mid-term elections upside down.

Private insurers across the country are dumping policies that don’t conform to the requirments of the healthcare law.

Florida Blue just sent cancellation notices to 300,000 policyholders. In California, Kaiser Permanente HMO, sent notices to some 160,000.

This is just the tip of the iceberg. The next problem comes with the health plan rates.

The Obama administration doesn’t want to speak about the those pesky rates. Rates that, in most cases, are dramatically higher.

So, I wanted to see what the plan, closest to my family coverage, looked like at Covered California, the state’s independent insurance exchange. What I found was a shock.

I examined a Blue Shield of California plan, closest to our own Blue Shield of California coverage, for a family of five.

Here is my initial observation:

  • The rate itself was $1,557 per month. An increase of $538 per month, or 52.8%, over the employer group plan we currently have.
  • The office visit copay is $20 per visit, and increase of $5, or 33.3%.
  • Generic drug copay is $5 per prescription, a decrease of $3, or 30%.
  • Preferred drug copay is $15 per prescription, a decrease of $10, or 40%.

Democrat U.S. Senators in red states, up for reelection in 2014, are starting to worry, as they should.

Enough said!