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  • Morning Bell: Too Many Broken Promises in Obamacare

    Yesterday, House Minority Leader Nancy Pelosi (D-CA) almost called Obamacare’s individual mandate a tax, stopping mid-word to call it a “penalty”. White House Chief of Staff Jack Lew and other spokespersons echoed this talking point. This is in spite of last week’s Supreme Court ruling that deemed the mandate unconstitutional under both the Commerce Clause and the Necessary and Proper Clause, but ruled that it could stand as part of Congress’s authority to “lay and collect taxes.”

    Dubbing the individual mandate a tax saved the President’s health care law, but it’s a concept that President Obama himself has strongly denied. In a 2009 interview, President Obama argued that his individual mandate was not a tax increase, stating, “I absolutely reject that notion.”

    But after last week, President Obama must now admit it’s a tax or admit the mandate is unconstitutional. It’s can only be one or the other.

    The mandate is in fact a tax, and it’s just one of many new taxes that hit the middle class in Obamacare. Lo and behold, another broken promise. President Obama claims that the mandate is holding people responsible, keeping with that spirit, here’s a reminder of the other promises the President and his health care law are responsible for breaking:

    Promise #1: “Under my plan, no family making less than $250,000 a year will see any form of tax increase.”

    Reality: The individual mandate is far from alone on Heritage’s lengthy list of Obamacare’s new taxes and penalties, many of which will heavily impact the middle class. Altogether, Obamacare’s taxes and penalties will accumulate an additional $500 billion in new revenue over a 10-year period. Yesterday, a senior economist for The Wall Street Journal revealed that 75 percent of Obamacare’s new taxes will be paid for by American families making under $120,000 a year. Among the taxes that will hit the middle class are the individual mandate, a 2.3 percent excise tax on medical devices, a 10 percent excise tax on indoor tanning, and an increase of the floor on medical deductions from 7.5 percent of adjusted gross income to 10 percent.

    Promise #2: “If you like your health care plan, you’ll be able to keep your health care plan, period.”

    Reality: Research continues to show that as many as 30 percent of employers will dump their employees from their existing health care coverage. The Administration itself has admitted that “as a practical matter, a majority of group health plans will lose their grandfather status by 2013.”

    Promise #3: “I will not sign a plan that adds one dime to our deficits—either now or in the future.”

    Reality: As Heritage analysts explain, “A close examination of what [the Congressional Budget Office] said, as well as other evidence, makes it clear that the deficit reduction associated with [Obamacare] is based on budget gimmicks, sleights of hand, accounting tricks, and completely implausible assumptions. A more honest accounting reveals the new law as a trillion-dollar budget buster.”

    Promise #4: “I will protect Medicare.”

    Reality: A Heritage Factsheet shows the various ways Obamacare ends Medicare as we know it, including severe physician reimbursement cuts that threaten seniors’ access to care and putting an unelected board of bureaucrats in charge of meeting Medicare’s new spending cap.

    Promise #5: “I will sign a universal health care bill into law by the end of my first term as president that will cover every American and cut the cost of a typical family’s premium by up to $2,500 a year.”

    Reality: Obamacare does not accomplish universal coverage; it leaves 26 million Americans without insurance. Moreover, Heritage research outlines 12 ways that Obamacare will increase premiums instead of reducing health care costs. Requirements that plans allow young adults to stay on their parents’ coverage and offer preventive services with no cost sharing are already leading to higher growth in premiums.

    When polled, 70 percent of Americans held an unfavorable view of the individual mandate. It’s doubtful that calling it a “tax” will dramatically change their opinion. Now that Obamacare and its broken promises remain the law of the land, it’s up to the American people to see to it that the law is ultimately repealed by Congress. Then, they can move forward with real reform that puts patients’ needs first.

    Quick Hits:

    Posted in Obamacare [slideshow_deploy]

    87 Responses to Morning Bell: Too Many Broken Promises in Obamacare

    1. reelman1946 says:

      When will voters ever learn????

      The arrogant apostles of utopian socialism (like Obama) MUST use the tactics of distraction, bold lying, demons and smears in order to sell/defend their toxic policies…
      they have NO choice…so voters that realize this quickly see the reality of any political issue/situation.
      Remember…in all history, this is what they MUST DO…its selling fire to a scarecrow.

      Don't ask me why these utopians are considered so brilliant by the media when they espouse policies that have failed all over the globe for generations…its always the same…one more trillion and one more year away from that socialist heaven…lol.

      Notice the utopians exempt themselves from the personal pain of their policies like the recent Socialized Medicine bill that exempted a million folks…the arrogant administration, the royal congress and the federal worker sheep…some people are more special than others…and the media/Repubs missed hammering this home daily…
      I sure wonder why its never ever mentioned…since its so telling of the nature of the utopian socialists…they are elite and we are the masses…

      • Suncoast says:

        Since the Supremos call Obamacare a tax, why don't we start calling it what it really is…OBAMATAX. Make that the mantra for November. If we can get OBAMATAX to be the common name for obamacare it will assure his defeat in November and may make Boehner actually do something.

        • Rick says:

          Suncoast- You put it very well. OBAMATAX. I had never even considered that one. I will pass this on.

      • Calditz1 says:

        They will not learn. Look at California which has not had a balanced budget in 10 years, continually overspends and keeps adding State employees. Their solution is ever increasing taxes and stealing from the cities and counties. The same gang of Democrats (including retread Jerry Brown) have run the State for 35 years and voters keep handing them more power. The California structure is exactly what the the Feds are doing – adding workers, adding programs, raising taxes and piling on debt – Republicans in both California and at the Federal level seem to be spineless weasels right along with their Democrat collegues. Yes, there are a few conservatives but we are losing the battle at the Federal level and here in California we are just waiting for the collapse. It has started – 3 municipal bankruptcies filed in the last two weeks! Five companies a week leaving the State. An average of 40+ State workers added to the payroll every week (2200 last year). Unions robbing the public blind with sweetheart contracts amd rising bribes of State lawmakers. Doesn't this all sound familiar? Greece? Washington, DC?

    2. POTUS has proven to us that he is a true student of Sol Alinsky. He will do anything and say anything to further the progressive agenda. He knows that no one in the mainstream-drive-by media will ever call him on the carpet for the lies he has been telling about Obamacare. He still refues to call the penalty for what it truly is.

    3. glenn21601 says:

      I am on my wife's health insurance plan, in 2011 it went up in 2012 it went up. Her insurance company said it was because of the up comming Obama healthcare. In 2013 she was told it will rise another 18%. Then I guess she will have to pay a tax increase for Obama Care. Last year she got a pay raise of $8.00 a week. Her health insurance went up $30.00 every two weeks. The copay for my regular doctor stayed the same.
      Copay for a specialist went up $5.00. If I am admitted to the hospital I have to pay $250.00 for my over night
      stay. Before that no copay.

      • rick says:

        glenn- I feel your pain. My insurance went up $23 a week. Copay went from $15 to $25. My 100% coverage is now 80-20 and my 80-20 is now 50-50. I can't see how this tax has helped me in anyway shape or form. However it has or will help the ones that are to lazy to go out and work.

        • Jacqueleen says:

          I beg to differ. The ones that are too lazy to go to work are considered the indigent (poor) and they get MEDICAID. The only ones not covered are the illegals getting free healthcare in the ER or the ones with pre-existing conditions. The ones with P-E conditions need some kind of relief from paying ridiculous premiums. Otherwise, this is a ploy to enable the illegals to remain here and to penalize the elderly, mentally ill and the disabled with rationing (DEPOPULATION ALONG WITH ABORTION) The cost of Obamacare will bankrupt the nation. Meanwhile, I sympathize with rick and glenn21601 because the evil insurance companies are taking advantage of what is coming. My supplemental insurance to Medicare went through the roof, too. I started out paying $147.50 and now 3 years later pay $223.57. Unfortunately for us, the American middle class citizen, we are being gauged by the ruling class (who rule the world) to further their NWO agenda. Start protesting loudly and do not vote for a ruling class, pre-selected candidate..Romney or Obama…both are on the payroll. VOTE RON PAUL …WRITE HIM IN. If all voters did this we would not have to worry about the few minorities who would vote for the fraud.

      • ThomNJ says:

        My wife's long-term disability insurance went up 90%. Yes, that is real. Thanks Dems and obama. I really appreciate that. I really like to have to pay thousands of dollars more for a policy now that we have husseincare. (sarc)

    4. toledofan says:

      It's too bad that logic and practical knowledge never seem to fit into politics. Obamacare is wrong simply because it gives the government control of a large part of the economy and to put it bluntly the government can't manage it way out of a paper bag. If we use the example of Fannie and Freddie as the yardstick, what happens when the government gets involved, it's clear that this is a recipe for disaster. Obama has made his career based on lies and this one, Obamacare, is a duzzy. Our failure to confront this head on in November will signal the ruin of America.

      • Suncoast says:

        Don't stop with just Freddie and Fannie, you can add Amtrack, the Post Office, the National Parks Service, FEMA…the list goes on and on.

      • sassyncmrs says:

        We must also remember that in the House, they could defund anything they chose to defund….including this. What the Republicans might be doing is playing the American people in order to get rid of Obama. What we must do, is not only get rid of Obama, but clean house of those who play dirty political games. Our citizens derserve better!

    5. Jim Delaney says:

      Excellent, concise summary. But, as the Nazis asserted, if you tell a big lie often enough and loud enough the folks will begin viewing it as the truth. This is the cynical, unprinicipled ploy of the Progressives and, to date, they've been quite successful. The left's spinning is callous, self-serving and embarrassing to all but the wilfully ignornant. Also, "bread and circuses" is hard to counter because for too many citizens what's-in-it-for-me invariably trumps commonsense and virtue. I remain horrified and mystified by Roberts's contrived, twisted "ruling". So the feds can't mandate behavior, but they CAN tax us into compliance. Lovely. The court needs to be reigned in. Repeal alone won't do it. A law prohibiting taxing behavior must also be passed. And if that doesn't work, let the magic of the 10th Amendment remedy the problem now and in the future. Just say NO!

    6. Wildman says:

      For those of you who haven't read the bill, you need to. There are twenty new taxes in Obamacare.Some are in-direct taxes, passed on to the consumer, Rich or poor and everyone in between. Others affect the the middle class. Take the long term Reinvestment tax. It kicks in at the start of 2014. Have a 401K? How about a house with some equity that which is part of your retirement package? Both are considered long term investment. Long term investments will be taxed, when you add up the percentages, 40% when cashed in. That is stealing the retirement funds of hard working middle class families. Quite a few of the taxes will simply be pased on to the consumer, resulting in higher prices. If you want the product, you will pay the price which includes the higher taxes. It will not matter how much money you make.

      There also are many provisions in the Obama care that do not even pertain to Health Care. Remember what Pelooski said? We need to pass the bill to see what is in it?

    7. Steve h says:

      Your chart shows cadillac plans and high income americans will face the bulk of the tax increases. Seems fair to me when compared to the massive tax cuts high income earners have been handed over the last 3 decades. In 1980, top margina tax rate was 70%. Today's it's 35%…and what's worse, capital gains and dividends (where the real money is) has been slashed down to 15% instead of income rate (would be 35% for most). So having them pay an extra 1 or 2% in taxes to cover a program that will decrease the deficit, slow health care growth costs, and insure tens of millions….sounds great to me. Thank you Obama.

      • Suncoast says:

        Check this for 'FAIRNESS" Steve. This is just PART of the new taxes(fairness as you call it) in the OBAMATAX bill. BTW, these new taxes are spread out for the next 10 years
        1. Excise Tax on Charitable Hospitals (Min$/immediate): $50,000 per hospital if they fail to meet new "community health assessment needs," "financial assistance," and "billing and collection" rules set by HHS. Bill: PPACA; Page: 1,961-1,971 Thios includes the free Shriner's Hospitals for Children and a lot of Catholic hospitals that provide free services.

        2. Codification of the “economic substance doctrine” (Tax hike of $4.5 billion). This provision allows the IRS to disallow completely-legal tax deductions and other legal tax-minimizing plans just because the IRS deems that the action lacks “substance” and is merely intended to reduce taxes owed. Bill: Reconciliation Act; Page: 108-113 This means that if you take a legal deduction, the IRS can just claim it lacks "substance" (undefined, by the way) and it will be disallowed and there is absolutley nothing you can do about it. Watch a lot of legal deductions be disallowed

        3. “Black liquor” tax hike (Tax hike of $23.6 billion). This is a tax increase on a type of bio-fuel. Bill: Reconciliation Act; Page: 105 Be sure and go Green and use bio-fuels to save the planet, so we can tax you more.

        4. Tax on Innovator Drug Companies ($22.2 bil/Jan 2010): $2.3 billion annual tax on the industry imposed relative to share of sales made that year. Bill: PPACA; Page: 1,971-1,980 What ever you do as a business, do not innovate and come up with something new.

        5. Blue Cross/Blue Shield Tax Hike ($0.4 bil/Jan 2010): The special tax deduction in current law for Blue Cross/Blue Shield companies would only be allowed if 85 percent or more of premium revenues are spent on clinical services. Bill: PPACA; Page: 2,004

        6. Tax on Indoor Tanning Services ($2.7 billion/July 1, 2010): New 10 percent excise tax on Americans using indoor tanning salons. Bill: PPACA; Page: 2,397-2,399

        • Suncoast says:

          Taxes that took effect in 2011

          7. Medicine Cabinet Tax ($5 bil/Jan 2011): Americans no longer able to use health savings account (HSA), flexible spending account (FSA), or health reimbursement (HRA) pre-tax dollars to purchase non-prescription, over-the-counter medicines (except insulin). Bill: PPACA; Page: 1,957-1,959

          8. HSA Withdrawal Tax Hike ($1.4 bil/Jan 2011): Increases additional tax on non-medical early withdrawals from an HSA from 10 to 20 percent, disadvantaging them relative to IRAs and other tax-advantaged accounts, which remain at 10 percent. Bill: PPACA; Page: 1,959

          Tax that took effect in 2012

          9. Employer Reporting of Insurance on W-2 (Min$/Jan 2012): Preamble to taxing health benefits on individual tax returns. Bill: PPACA; Page: 1,957

          Taxes that take effect in 2013

          10. Surtax on Investment Income ($123 billion/Jan. 2013): Creation of a new, 3.8 percent surtax on investment income earned in households making at least $250,000 ($200,000 single). This would result in the following top tax rates on investment income: Bill: Reconciliation Act; Page: 87-93

          *Other unearned income includes (for surtax purposes) gross income from interest, annuities, royalties, net rents, and passive income in partnerships and Subchapter-S corporations. It does not include municipal bond interest or life insurance proceeds, since those do not add to gross income. It does not include active trade or business income, fair market value sales of ownership in pass-through entities, or distributions from retirement plans. The 3.8% surtax does not apply to non-resident aliens. How about resident aliens? Oh, that's right they don't pay taxes, they get a tax refund to pay for all the free healthcare that they already receive.

          11. Hike in Medicare Payroll Tax ($86.8 bil/Jan 2013): Current law and changes:

          12. Tax on Medical Device Manufacturers ($20 bil/Jan 2013): Medical device manufacturers employ 360,000 people in 6000 plants across the country. This law imposes a new 2.3% excise tax. Exempts items retailing for <$100. Bill: PPACA; Page: 1,980-1,986

          13. Raise "Haircut" for Medical Itemized Deduction from 7.5% to 10% of AGI ($15.2 bil/Jan 2013): Currently, those facing high medical expenses are allowed a deduction for medical expenses to the extent that those expenses exceed 7.5 percent of adjusted gross income (AGI). The new provision imposes a threshold of 10 percent of AGI. Waived for 65+ taxpayers in 2013-2016 only. Bill: PPACA; Page: 1,994-1,995

          14. Flexible Spending Account Cap – aka “Special Needs Kids Tax” ($13 bil/Jan 2013): Imposes cap on FSAs of $2500 (now unlimited). Indexed to inflation after 2013. There is one group of FSA owners for whom this new cap will be particularly cruel and onerous: parents of special needs children. There are thousands of families with special needs children in the United States, and many of them use FSAs to pay for special needs education. Tuition rates at one leading school that teaches special needs children in Washington, D.C. (National Child Research Center) can easily exceed $14,000 per year. Under tax rules, FSA dollars can be used to pay for this type of special needs education. Bill: PPACA; Page: 2,388-2,389

          15. Elimination of tax deduction for employer-provided retirement Rx drug coverage in coordination with Medicare Part D ($4.5 bil/Jan 2013) Bill: PPACA; Page: 1,994 If you have this, you can kiss it goodby. Just another TAX on regular folks.

          16. $500,000 Annual Executive Compensation Limit for Health Insurance Executives ($0.6 bil/Jan 2013). Bill: PPACA; Page: 1,995-2,000 Cash compensation? Or total compensation?

          • Suncoast says:

            Taxes that take effect in 2014

            17. Individual Mandate Excise Tax (Jan 2014): Starting in 2014, anyone not buying “qualifying” health insurance must pay an income surtax according to the higher of the following I wonder what the definition of "qualifying" is?

            Exemptions for religious objectors, undocumented immigrants, prisoners, those earning less than the poverty line, members of Indian tribes, and hardship cases (determined by HHS). Bill: PPACA; Page: 317-337

            18. Employer Mandate Tax (Jan 2014): If an employer does not offer health coverage, and at least one employee qualifies for a health tax credit, the employer must pay an additional non-deductible tax of $2000 for all full-time employees. Applies to all employers with 50 or more employees. If any employee actually receives coverage through the exchange, the penalty on the employer for that employee rises to $3000. If the employer requires a waiting period to enroll in coverage of 30-60 days, there is a $400 tax per employee ($600 if the period is 60 days or longer). Bill: PPACA; Page: 345-346 One employer recently said on TV that he would be terminating 27 employees the week of Christmas 2013 since he has 76 employees. This will bring his employee number down to 49. Another said he would be terminating 12 for the same reason.

            Combined score of individual and employer mandate tax penalty: $65 billion/10 years

            19. Tax on Health Insurers ($60.1 bil/Jan 2014): Annual tax on the industry imposed relative to health insurance premiums collected that year. Phases in gradually until 2018. Fully-imposed on firms with $50 million in profits. Bill: PPACA; Page: 1,986-1,993 Congressional thinking: Okay, if we tax the insurers enough, they will go out of business and then we can make another large, unruley federal department to oversee medical insurance.

            Taxes that take effect in 2018

            20. Excise Tax on Comprehensive Health Insurance Plans ($32 bil/Jan 2018): Starting in 2018, new 40 percent excise tax on “Cadillac” health insurance plans ($10,200 single/$27,500 family). Higher threshold ($11,500 single/$29,450 family) for early retirees and high-risk professions. CPI +1 percentage point indexed. Bill: PPACA; Page: 1,941-1,956

            • Suncoast says:

              Also, ATR is warning Americans of Taxmageddon, which will happen on January 1, 2013. This will be the largest tax hike in American history and will come in three waves.

              First Wave: Expiration of 2001 and 2003 Tax Relief

              In 2001 and 2003, the GOP Congress enacted several tax cuts for small business owners, families, and investors (later re-upped by President Obama and Democrat Congress in 2010). The following tax hikes will occur on January 1, 2013:

              Personal income tax rates will rise on January 1, 2013. The top income tax rate will rise from 35 to 39.6 percent (this is also the rate at which the majority of small business profits are taxed). The lowest rate will rise from 10 to 15 percent. All the rates in between will also rise. Itemized deductions and personal exemptions will again phase out, which has the same mathematical effect as higher marginal tax rates. The full list of marginal rate hikes is below:

              - The 10% bracket rises to a new and expanded 15%

              - The 25% bracket rises 28%

              - The 28% bracket rises to 31%

              - The 33% bracket rises to 36%

              - The 35% bracket rises to 39.6%

              Higher taxes on marriage and family coming on January 1, 2013. The “marriage penalty” (narrower tax brackets for married couples) will return from the first dollar of taxable income. The child tax credit will be cut in half from $1000 to $500 per child. The standard deduction will no longer be doubled for married couples relative to the single level.

              Middle Class Death Tax returns on January 1, 2013. The death tax is currently 35% with an exemption of $5 million ($10 million for married couples). For those dying on or after January 1 2013, there is a 55 percent top death tax rate on estates over $1 million. A person leaving behind two homes and a retirement account could easily pass along a death tax bill to their loved ones.

              Higher tax rates on savers and investors on January 1, 2013. The capital gains tax will rise from 15 percent this year to 23.8 percent in 2013. The top dividends tax will rise from 15 percent this year to 43.4 percent in 2013. This is because of scheduled rate hikes plus ObamaTAX’s investment surtax.

            • Suncoast says:

              Second Wave: Obamacare Tax Hikes

              There are twenty new or higher taxes in Obamacare. Some have already gone into effect (the tanning tax, the medicine cabinet tax, the HSA withdrawal tax, W-2 health insurance reporting, and the “economic substance doctrine”). Several more will go into effect on January 1, 2013. They include:

              Medicare Payroll Tax Hike takes effect on January 1, 2013. The Medicare payroll tax is currently 2.9 percent on all wages and self-employment profits. Starting in 2013, wages and profits exceeding $200,000 ($250,000 in the case of married couples) will face a 3.8 percent rate.

              “Special Needs Kids Tax” comes online on January 1, 2013 Imposes a cap on FSAs of $2500 (now unlimited). Indexed to inflation after 2013. There is one group of FSA owners for whom this new cap will be particularly cruel and onerous: parents of special needs children. There are thousands of families with special needs children in the United States, and many of them use FSAs to pay for special needs education. Tuition rates at one leading school that teaches special needs children in Washington, D.C. (National Child Research Center) can easily exceed $14,000 per year. Under tax rules, FSA dollars can be used to pay for this type of special needs education. This Obamacare cap harms these families.

              Medical Device Tax begins to be assessed on January 1, 2013. Medical device manufacturers employ 360,000 people in 6000 plants across the country. This law imposes a new 2.3% excise tax. Exempts items retailing for <$100.

              “Haircut” for Medical Itemized Deductions goes into force on January 1, 2013. Currently, those facing high medical expenses are allowed a deduction for medical expenses to the extent that those expenses exceed 7.5 percent of adjusted gross income (AGI). The new provision imposes a threshold of 10 percent of AGI. Waived for 65+ taxpayers in 2013-2016 only.

            • Suncoast says:

              Third Wave: The Alternative Minimum Tax and Employer Tax Hikes

              When Americans prepare to file their tax returns in January of 2013, they’ll be in for a nasty surprise—the AMT won’t be held harmless, and many tax relief provisions will have expired. These tax increases will be in force for BOTH 2012 and 2013. The major items include:

              The AMT will ensnare over 31 million families, up from 4 million last year. According to the left-leaning Tax Policy Center, Congress’ failure to index the AMT will lead to an explosion of AMT taxpaying families—rising from 4 million last year to 31 million. These families will have to calculate their tax burdens twice, and pay taxes at the higher level. The AMT was created in 1969 to ensnare a handful of taxpayers.

              Full business expensing will disappear. In 2011, businesses can expense half of their purchases of equipment. Starting on 2013 tax returns, all of it will have to be “depreciated” (slowly deducted over many years).

              Taxes will be raised on all types of businesses. There are literally scores of tax hikes on business that will take place. The biggest is the loss of the “research and experimentation tax credit,” but there are many, many others. Combining high marginal tax rates with the loss of this tax relief will cost jobs. So, no more R&D for companies. Enjoy living in the 20th century because there will be no innovation

              Tax Benefits for Education and Teaching Reduced. The deduction for tuition and fees will not be available. Tax credits for education will be limited. Teachers will no longer be able to deduct classroom expenses. Coverdell Education Savings Accounts will be cut. Employer-provided educational assistance is curtailed. The student loan interest deduction will be disallowed for hundreds of thousands of families.

              Charitable Contributions from IRAs no longer allowed. Under current law, a retired person with an IRA can contribute up to $100,000 per year directly to a charity from their IRA. This contribution also counts toward an annual “required minimum distribution.” This ability will no longer be there

      • Bobbie says:

        money, money, money it's all about someone elses money! why do you want money to go through government to get health care provided? What of Obama's has come true yet besides sacrifice?

      • boberic says:

        Hey Steve. The highest tax rate of over 70% may be technically correct but the fact is no one paid even a total of 35% on theif total income. That argument is total bull. Youre are entitled to youe own opinion but not your own facts.

      • Jeanne Stotler says:

        I am a widow , 80 YO with Soc. sec. as only income, I've seen my Medicare go up and the supplement policy as of last Jan. and it'll go up again. Sane rationality is, You CANNOT cover everyone for NOTHING, it cost money even for medicaid and even the Gov't. doesn't have bottomless pockets, even though they act like it. Main reason, your doctor went to school, pre-med, medschool, internship and residency plus another residency for his/her specialty, Insurance people are only required to have a HS dipolma and I sure would not like ANY INSURANCE man making MY health judgements. My supplement as gone up 9 out of the last 10 years and with cuts in Medicare by the Gov't. us seniors will have to pay more for supplement and most likely still pay more for Medicare B. DON"T be fooled, the Goverment is NOTGOING TO GIVE YOU ANYTHING FREE

      • Srephen Sullivan says:

        Steve if you think that this program will "decrease the deficit, slow health care growth costs and insure tens of millions" you have to be smoking something funny. At the very least you are robotically repeating the lies being told by this administration and not realistically looking at the CBO's reports and projections. The health insurance premiums are increasing exponentially even now and are expected to skyrocket later until private health insurance ceases to exist. Single payer (AKA socialized medicine) is what these Marxists want down the road and the PPACA is the camel's nose in the tent. I've practiced medicine for 35 years and literally shudder contemplating government takeover of our health care system. These incompetent boobs have destroyed social security, the postal system and every thing they put their dirty vote seeking hands on. God help us all.

    8. Lloyd Scallan says:

      Again and again far too many Americans still do not or will not recognize whom they are dealing with in Obama and the Dems. These people use deception and lies as their way of life. They have no honor, pride, or honesty. They have and will use every trick to get their agenda to collapse this nation into their socialist utopia, regardless of the fact that the overwhelming majority of Americans disdain their actions. This is what we got when some voted for Obama. I hope you’re proud.

    9. timpclimber says:

      2000+ unread pages were rammed down our throats by our elected know best congress. Now that we know what is in it we cannot let it ruin our children's lives. Heritage readers have been informed and warned. Let's inform our neighbors and get them registered to vote. The November election is our last chance to get this monstrosity off our backs.

      • Suncoast says:

        Tim, this continues as we speak. Wednesday evening at 4 PM, a 600 page bill was given to members of the Senate and Reid scheduled a vote on it at 10AM on Thursday morning. The elected members of Congress are being presented with these massive bills and they do not have the wherewithal to vote NO on the bills until they have a chance to read them. One Senator even went so far as to introduce a Senate Rules change that would require 2 days for each 100 pages before a bill could be voted on. So far the rules change has been tabled, so not vote on it.

    10. Jim says:

      Next post

    11. Jim says:

      It is time to stand up people and put our words of angst into action as a nation as the voting bloc of the future. Surely we can add to our 40% and educate 10.1% in the coming 100 days. I am alarmed at all of the people with money talking of scrambling to set up the off shore accounts and are considering Canada dual citizenship as a course of action. When the money is pulled out, that is when the currency crash happens and the re-set revolution will begin.

    12. Sound&Fury says:

      George Orwell was a prophet.

    13. Dr. Henry Sinopoli says:

      I wrote in the comment section months ago, Obamacare will live and not go away. Boehner lies, really he and the other politicians posture verbally but behind closed doors realize, they don't have to participate, and this law represents a basketful of money to sustain life-time politicians.

      Heritage wake-up, you're dealing with professional takers, only interested in sustaining their political jobs. All your intellectual writings fall on deaf ears, why, because the entitlement class don't read. The United States of the Socialist Republic did not occur overnight…Repubicans and Democrats all helped to make sure the ruling class controls the working class.

      We all know these comments are an exercise in futility, but it is cathartic to at least preach to the crowd.

      • Suncoast says:

        Doc, you are correct in your statements. However this forum provides us peons the opportunity to let off some steam and probably prevents someone from (hm, what word can I use that will not arouse the suspicion of Hum land Security) uh, let me just say not doing something aggressive.

    14. Subie says:

      Did anyone see Pelosi Sunday morning on Meet the Press? Did she really call the uninsured middle class the "takers" in our society? I thought the middle class was responsible for paying the taxes that supported Medicaid for the non working class? I can hardly believe how so many people are like sheep going to slaughter. And I fear this is just the beginning, the door has cracked open. It's time to put on the armor and begin the fight.

      • Bobbie says:

        She is a funny old ninnie, isn't she? feel sorry for the women in her family and her grandchildren. she is playing dumb between the responsible and the irresponsible. A true spinster! Listen to her talk. She sounds inebriated. The more of true common knowledge, know the "takers" are the ones who get it for free without Pelosi expecting them to cover their own but sympathize w/them to be covered by the responsible. I don't know any Americans who doesn't pay their own except the ones Pelosi and pranksters exist for who refuse to correct the problem but rather accommodate it! Who's died since? All this stemming from excessive imagination drawing dangers of unconstitutional government with a conscientious intent. Furthering their unscrupulous, unAmerican agenda! And look at all the money go!!

      • suzyqpie says:

        Nancy also referred to her constituents, de facto, as "freeloaders." the intentional deceit is gaining speed that the tax will effect only 1%. Nice software you've got here.

    15. captdax says:

      16,500 New IRS Agents to Enforce Obamacare with Combat Training Bearing 12 Gauge Shotguns.

      The Cost Of Defying Obamacare: $2,250 a Month And IRS Goons Pointing Guns At Your Family
      16,500 new tax collectors with “combat training” and pump action shotguns will enforce “the change we seek” Gestapo!

      Paul Joseph Watson

    16. Mary......WI says:

      Obama is a pathological liar as evidenced by the repeated playbacks of various interviews he's had with reporters. This IS a tax and it will kick in BIG TIME in 2014 along with all the rest of the taxes Obama has in store for us. How else can this monstrosity of law be paid!

      Wake up America!! The government now has control of your healthcare! Conservatives have one last chance to vote this socialist dictator OUTof office and return this country back to the HOME OF THE FREE!

    17. John Szeker says:

      Now is the time, maybe the last time for our country, to wake up and rid Washington of obama and his commie cronies before they complete their planned destruction of our great country, and in the same process get rid of that commie vermin George Soros who has groomed and bankrolled obama since his birth outside of the USA.

    18. Edwin Natic says:

      I believe going forward, we need to refer to Obamacare (because Care, it is not) to what it really is (as Hucklebee referred to it in this weekend's program), and what Chief Justice Roberts used as the pathetic excuse to legislate from the bench – a TAX, thus ObamaTax! All reference in all correspondence, literature, Ads (and especially Ads run by the Romney camp & the Super Pac) should from now until this abomination is repealed, be OBAMATAX! The Public needs to be educated with a continuous advertising barrage as to the theft that will take place from now until death for every American Citizen by this Federal government under the disguise of a tax. This "legal" theft is a brand new tax on all Americans, and especially hard hit will be the working, middle class, who will feel the brunt of the Obamatax. Please, let's unite in forever calling this what it is OBAMATAX!

    19. steve h says:

      Nothing like looking back to when Gov. Romney spoke at Heritage about how important the indivdual mandate is: http://www.youtube.com/watch?v=TTByvLtYIYA&fe

    20. Suncoast says:

      Since the Supremos call Obamacare a tax, why don't we start calling it what it really is…OBAMATAX. Make that the mantra for November.

    21. Bobbie says:

      what an embarrassment Nancy Pelosi is to all women/the female gender. Condoning force on women.

      Obama's desperation alone with his total ignorance to hear the people is enough for protective people to throw the whole thing out and if he were a decent enough man, he would stand to reason. The "affordable health care act" was brought on by false representation showing a clear indication of it's intent. The broken promises makes it more evident along with the unsustainable costs. Not sure how the proposal was even valid to begin with when there was no effort to correct the problem? The crisis is the unwillingness of some to take on their responsibility to pay their own expense (which would avoid advantage of the emergency room for non emergencies.) Stop billing the tax payers, bill the recipient. All our bills (emergency and not) are sent to us, since when does George Stephanopolous get his emergencies paid through government Obama implied is automatic? How often do 30 million people go to the emergency room that can't hold self reliance compared to the 300 million that are held self reliant? No effort to correct the problem. Manipulating mindsets…

      If this had anything to do with Roberts' image, he just made an image of himself giving into a man's dangerous insecurities, corruption and agenda. Incompetent in judgment, traitor to America. More work America shouldn't be or have to face.

    22. Rey B says:

      While all points are well put, everyone has missed the point. It's definitely unconstitutional…and not that this is any new news as it seems to make headlines…but what does it really mean? Most Americans probably couldn't tell you as to why it's unconstitutional…It essentially passed through on the whims of a "good cause" or it is "necessary", which makes most Americans feel obligated even to the point where our elected leaders will deviate from this so called archaic document, which brings me to a later discussion.

      The health care violates the premise of our natural liberties especially that our right to property. It's taking from the haves and giving to the have nots! Which in fact is a strict violation of the Constitution! Our right to Life, Liberty and Property are bounded together that basically makes this a single right and you can’t have one without the other! To strip us of any one of these violates the order of things.

      If the government feels it can force us to pay into health care then it is saying you do not have a right to your property. If we don’t have to our property then maybe we should be under a different form of government (i.e. Communism)? Our government’s main focus is to protect these rights.

      I had a debate on this the other day…If we can get free legal service why not health care? Apples and oranges, I said. This is not a right it’s a privilege. If someone wants to smoke, dip, consume illegal drugs, eat until they are morbidly obese, partake in high risk events, then that’s their prerogative and their God given right, but what is the second, third or forth order of effects? Should I be responsible for someone who has no health care coverage who then decides to conduct themselves in taking dare devilish stunts that leads them into the ER/ OR due to multiple broken bones and damaged organs? Sure, but if given the option too and not forced, much like this health care bill.

      The government should stay out of the business of providing social welfare for everyone! This should be left to Family, Friends, private organizations and Religious institutions and any health care provider that wishes to provide pro bono services. Our health care system isn’t perfect nor will it ever be…I also agree with Matt on the extended coverage to the age 26, but on strict regulations among other minor tweaking…What they should have been concentrating on is insurance reform or allowing for insurance companies to compete across state lines, which in turn could potentially lower health care cost. But what do I know I'm just a knuckle-dragging frogman!

      • Jim Delaney says:

        Well said, sir. Ultimately, we the people are the final arbiters of what is and what is not constitutional–not the federales! If the States had a spine, they would assert their 10th Amendment right and stop this madness. Problem is I don't dare hold my breath until that happens. The well, top to bottom, is poisoned, perhaps beyond repair. In truth, perhaps only We the People can correct this situation. And if that's what it takes, let's get it on. And, no, I'm absolutely not kidding.

    23. My,My,My says:

      The work of SATAN Period.

    24. Robert says:

      The colonists rebelled against King George for far less than this; do you get my drift. It is time for massive rebellion both with lawful protests on the streets and at the ballot box otherwise the GREAT EXPERIMENT has been wasted by these despicable socialist leaders

      • Jacqueleen says:

        The way to effectively protest is to stop paying your taxes. Hurting in the wallet gets the best results. Can they put the entire country in the FEMA Camps? Is this the USA or Kenya?

    25. KC Jefferies says:

      I'm hearing all kinds of different reasons to repeal and to keep the Health Care Law. HERITAGE, I haven't seen your link above, to your results yet, but I think it’s time some organization should put out a very simple, result oriented guide, that we can download and then print out. We need to know why we should repeal this bad law. We don't want to have to BEAT OVER THE HEAD, these STUPID LIBERALS, as to why they don't want this law in effect! Now, if you have that in something I can copy, paste, print and put in the hands of my NEIGHBORS, with all the reasons, labeled and foot noted in your report, then I'm willing to walk this to my neighbors and voters. Maybe this will get them to think about repealing ACA, by voting in new people for this January, getting an entire new administration from top to bottom! We are so tired of the double speak, even by 'friendly' news and civic organizations…Don't ever double-speak to us here.

    26. Kathryn says:

      As a republican this information makes it more difficult because the universal healthcare bill looks like a disguise for entrapment.This contradict the heritage foundation of freedom of personal choice. This country is a free country who's sole bases comes from individual choices. These people know how to make their own choices because we have the freedom to choose what it is we like or have preference for.
      The information you present contradicts and entraps those who don't want or need healthcare.

    27. Obama has to GO 2 STOP Obama Care-Replace him w Republican President, Senators & Congress & Judges!!

    28. Ron W. Smith says:

      Interesting post, Alyene. The fact that the health care industry and allies on the Right torpedoed Single Payer accounts for why Obama' was unable to live up to his promise to bring universal healthcare to the U.S. You don't tell us that in criticizing Obama's failure. Interesting, as I said.
      Interesting also is the fact that you didn't bring up some of the most important problems with our current dysfunctional health care "system." For instance, Americans pay at least twice for their health care coverage what is paid by people anywhere else in the world–this without proof that they're getting benefits and results worth the 100% more in price. The current per-person cost for healthcare coverage in the U.S.is over $7,000 a year. No wonder employers are complaining, something they wouldn't be doing if we had Single Payer since they'd be out of the provider loop, and their overhead costs per employee would drop dramatically.
      Also, portability of coverage when jobs are lost or changed, a very important need in virtually every American's life, is given short shrift in your post, better yet no shrift at all as if that's of no importance. And exclusions from coverage based on pre-existing conditions seem to be of no consequence to you judging from your post. And still further, the more than 30 million uninsured receive no significant attention in what you've said, an interesting oversight in any post purporting to critique "Obamacare's" shortcomings.
      I openly admit I'm not satisfied with the residue of good intentions called "Obamacare." It's a poor cousin of any plan with Public Option, also vetoed by the Right and, certainly, the health care industry since it would have brought high competitiveness to health insurance. It's an even poorer cousin of Single Payer, which would have brought ever-spiraling health care costs under control while it brought everyone into the fold of the insured.
      Criticizing "Obamacare" in a continuing effort to bring it down deserves better than demonization, better than attack without open, on-stage-for-all-to-see debate.
      I repeat, Alyene: interesting post.

    29. boberic says:

      It's even worse that just health care Tax. This ruling gives The Gov't the right to tax inactivity. Don't engage in beastiality or face a "tax of $ 500.". Don't eat sewage or face a "tax" It has nothing to do with reasonable and propper. The Gov't now has the power to force us to buy any damn thing that the congress and the president wants. If this is not overturned the unintended consequence may be staggering.

    30. Jacqueleen says:

      Let's take a vote on who is disatisfied with their present coverage? I am perfectly happy with Medicare as it is. I make sure that the doctor will accept Medicare and my supplemental as payment before I make the appointment. I do not want a "death panel" deciding whether or not I am young enough to get a treatment, etc. Then, I will have to sue because the government will be taking my money for healthcare, but I will not get anything for my money…..Speak about corruption. What else will this fraud come up with?
      It seems to me that hospitals and doctors must be yelling loudly at the exhorbitant cost to give "free" healthcare to the millions of illegals in the ER room. Obamacare is the answer that the gov believes will keep the illegals here and will force them to pay for the healthcare that they receive. We all know that many will be here without any kind of coverage and will continue to use the ER for "Free" healthcare. THEY ARE LAWBREAKERS!!! Bottom line is that this is a means to collect billions of dollars for more spending by the DUMBOCRATS, THEN TO DEPOPULATE THE COUNTRY AND THEN TO BANKRUPT THE NATION.

    31. Jacqueleen says:

      Part 2. If Obamacare is not thrown out in its entirety, I will drop my supplemental insurance and join together with other seniors to sue the gov to stop withdrawing Healthcare payments from our SS for the reason that we are being denied healthcare that we forced to pay for……Taking our money but receiving zero! The government is our worst enemy even those who oppose this evil bill are not in full representation of this country and the welfare of its people or they would have closed the borders and sent the illegals back immediately. This is an illegal invasion that the government is allowing…both under Bush and Obama….It is time to stop the ruling class, the hidden rulers of this country calling the shots, expose them, prosecute them and sentence them for high treason, NWO and their billions confiscated to pay down the unbelievable debt that they are incurring upon our children. God help us.

    32. Lissy says:

      All I can say is, if we don't vote him OUT IN NOVEMBER, we must as well vote AMERICA & OUR FREEDOM TO DO WAS BEST FOR US , OUT INTO SPACE. Promises that has been base on LIES for the pass 4 yrs, will continued if the Cancer stays in Washington BUT so many IGNORANT PEOPLE can't seem to pass the Color issued, who cares what danm color he is that is not the case, is what he as a individual is doing to this Country & the people, well than lets get rid of the LAIR, VOTE THE RIGHT IN NOVEMBER OR WE ARE ALL DOOM..

    33. Ken Jarvis says:

      Murdochs Empire & HF want everybody to be in a Sweat about this –
      I KNOW when I pay a Tax.
      Income Tax – Every pay check and April 15.
      WHEN do I pay the >>> See, I don't even know what the name of this – (tax???) is.
      HOW can you have a Tax – that doesn’t even have a name?
      Murdoch hasn't named it yet.
      But, he will.

    34. Blair Franconia, NH says:

      Chief Justice Roberts said that it's up to the voters to fix this____not the Court.

    35. O2BMe says:

      Too many voters vote for the elephant or donkey so don't be surprised to get Obama back for another 4 years. Also all those living of the government (meaning taxpayers) don't want change either. As for the Affordable Health Care Act (that is not affordable) that is supposed to be so great why have all the Congressmen/women, the Supreme Court, and the President opted out. Are they royalty? Are we the serfs? We the taxpayers have to pay them their salary and their health insurance the rest of their life whether they serve one term or more.

    36. Jeanne Stotler says:

      I heard Pelosi say about middle class people using ER's and not paying, MS. Pelosi had better wake up and visit some of these ER's. I ama retired nurse and MOST middle class use the ER's for EMERGENCIES, and have Insurance, if not they are billed and the only way not to pay is file BANKRUPTCY, otherwise they will dun you to H—. I've been in ER's and they are full of illegals and others that do not pay, so in long run we pay more. Now Obama wants larger Medicaid rolls?? well someone has to pay and it's going to be US.

    37. J. Mester says:

      If this Obama-care is so great, then I must aak the obvious question. Why isn't our federal government required to participate? What is good for us should also be good for our polititians. They should be no better than the people who elected them.

    38. Jack Wilbern says:

      Were the words "deemed the mandate unconstitutional under both the Commerce Clause and the Necessary and Proper Clause, " in the ruling or were they in the comments by the Chief Justice?
      We need to differentiate what will stand and what is just an interesting observation and has no
      standing for precedent.

    39. Glen says:

      The MSM thinks it is doing Obama a favor by promoting everything he says. Boy, are they in for a surprise. When the MSM goes out of business due to the internet and the Gov't has control of the internet, well what else can I say. The MSM lies, as do our top officials,(Not naming anyone) I don't have to. America had better wake up before it is too late.

    40. Kae W says:

      Obama Health Care should be called, "illegal immigration health care" because that's the only segment of the US population this bill will help, it will not help the American Citizen.

    41. Mac Osmer says:

      Obamacare was touted to provide insurance for those who could not afford the premiums. How does this bill suddenly enable them to afford the premium?

    42. Mark Simmons says:

      Admittedly I am not a lawyer, but it seems to me that if something is unconstitutional, it's unconstitutional. This idea that it's unconstitutional under the Commerce clause, but becomes okay because of the government's taxing authority seems silly.

      That's like saying, "It's true that this bill trampled all over your 1st Amendment rights to freedom of religion, but hey no harm no foul, because they didn't violate the due process clause under the 14th Amendment."

    43. Mark Simmons says:

      My second point is how all this talk is about whether it is a "penalty" or a "tax" is focusing on the wrong things.

      From a legal standpoint, I understand it was argued both ways because declaring it a penalty in one instance and a tax in another was the only way this silly result could be found. Well focus on that, the self contradictory logic in the decision.

      From our standpoint as citizens, it makes no difference what you call it, it is still money out of our pocket.

      And will conservatives on the front line PLEASE get educated about this and start calling out silly statements like Nancy Pelosi's "it's only a penalty on the freeloaders." NO IT'S NOT! You can have the best insurance on the planet, and you'll still have to pay the 'penalty'. What ObamaCare requires is that you MUST purchase a Government Approved health care plan.

      Note: In case you are wondering what a Government Approved health plan is, you'll have to wait. Most of the specific coverage requirements were deferred to government bureaucrats to define. But it is a good bet that all existing health plans will have to change. So the idea that you can keep your health plan is another lie.

    44. Mark Simmons says:

      You know, health insurance used to be for the big stuff.

      So, if I want to buy a health care plan structured so I pay for all the little stuff. Let's say any illness/event with a total cost under $400 and have everything covered with a cost above that. Makes a lot of sense for consumers. Also, would mean that the insurance companies wouldn't have to handle about 80% of the transactions (which bear a LOT of overhead due primarily to government regulations). This alone would drop total healthcare costs by at least 20%. Under those conditions a lot of people would be interested, don't you think?

      But guess what? You can't buy such a plan because government regulations won't allow it.

      This is just one small example of how government regulation is Strangling this industry and many others.

      As Ronald Reagan said, "Government isn't the solution to the problem; government IS THE PROBLEM."

    45. Mark Simmons says:

      One final thought before I go. One of the most positively viewed changes so far was allowing children up to age 26 to be covered on their parent's health insurance. The popular view is that those nasty insurance companies would only allow up to age 18, or 25 if a full time student. Wrong again! The previous requirement was also a federal law put on the insurance companies. All that happened here is the federal government replaced one wrongheaded one-size-fits-all regulation with another wrongheaded one-size-fits-all regulation.

      In both cases the consumer and the insurance companies have NO CHOICE.

    46. Sharmane says:

      This ill-conceived piece of garbage was passed with most not bothering to read it. Deception and lies were used to pass it, and Obama repeatedly insisted it was not a tax. He is on record many times saying this. Now Roberts has declared it a tax – so the bill in its entirety needs to be scuttled. Only congress has the power to levy taxes – not the president and not the courts. Since it was never properly voted on and passed as a tax measure it needs to be stopped immediately. Then in November vote out just about every delusional, arrogant, inbred, corrupt, incompetent incumbent from the top on down.

    47. Student says:

      Very intersting article! It’s great to finally read the other side of things for a change. It seems media is always posting the liberal side. The most interesting part of this article is the part about the taxes. As Americans we are told Obamacare is not a tax, however I read differently. This whole article exposes the lies of the Obama administration! All I have to say is vote wisely in November!

    48. Al Connellyl says:

      It is imperative that the GOP party and candidate Romney stop meandering about with poorly phrased reasons as to why we need a change in leadership and start hammering on the facts. This Morning Bell article is great example to utilize, but if the party does not quickly start the arguments with the American public we will be facing another four years of economic disaster and erosion of the American way of life. To date there have been no strong arguments to educate and sway the independent and fence sitting voters away from Obama and he is rapidly gaining ground. Letting the argument over "free" contraceptives for women become an issue of women's rights rather than face the issue that neither males nor females should be provided with contraceptives at the expense of taxpayers is another example of weakness in the GOP political agenda.

    49. S Kessler says:

      May I recommend several sessions with a trained psychologist … most of you are out of touch with reality

    50. Sandy says:

      The new taxes are not just the personal mandate penalties, but also taxes on medical equipment and on employers, making private insurance die on the vine. The real goal: single payer, government run health care with bureacrats making life and death decisions. Sarah Palin was right after all; there will be death panels and rationing. Worst parts won't kick in until after the election, BY DESIGN, to further dupe the electorate. Obama should be impeached for all of the laws he has broken.

    51. sjtw99 says:

      I work and PAY for my healthcare and the questions I have are numerous.. First I want to know if this Obamacare is going to cover gastric bypasses, plastic surgery, lyposuction, basically cosmetic surgeries… All these lazy slugs that do NOT work and obesity is already out of control.
      Second what would happen besides the penalty, if the people paying insurance, drop it/opt out and just pick up the penalty? Hey We All should be paying abt the same no matter if we work or not.. Penalty will be cheaper for me…
      Third how are these people that do NOT work supposed to be paying into healthcare if they don't have a job and the government is supposed to subsidize them. When the government is broke, medicare/social security is not far behind…

    52. sjtw99 says:

      Some people have jobs and elect not to have insurance. Some people will elect to NOT work if they can get the government to pay for healthcare, welfare, food stamps, subsidized housing.. What do they need to work for?

    53. sjtw99 says:

      The American People should throw out EVERYONE of the Senators, Congress and House members, plus elect new president.. They have gotten too power hungry, they have become complacent to what the American people need/want…
      And they need to have the SAME benefits as the working class people.. Get rid of their pension, and health care, replace with OBAMACARE.

    54. Denis McCormick says:

      In point #2, you can point to the 2,000 waivers that HHS "awarded" the last couple of years and make the argument that once these waivers disappear (I think at the end of next year), these companies (McDonald's) will stop offering the plans to their employees. McDonald's has a nice plan now that allows them to insure their part time workers. This plan will be eliminated.

    55. Wake up America! Get the message out! November is coming…November is coming!

      Just because Obama says it's so, doesn't make it so. Challenge every lie, every distortion, every half-truth with facts and figures – whether it comes directly from Obama , one of his surrogates, or your best friend. Just as the Founders had to battle the bias of the timid in 1776, so we have to challenge Obama's disinformation machine today.

    56. Bruce says:

      Because the Obamanable DICTATE'S DESPOTUS is a Lying, Serial DEM RENEGER!

    57. Citizen Jones says:

      The only way to "keep your healthcare plan" under Obamacare is if you NEVER make any changes to it. This means you must keep the SAME PLAN, with the SAME INSURER, MAKE NO CHANGES to it, CANNOT increase deductibles above token amounts, AND your employer must have specified last year it's intent to
      remain "grandfathered" AND your insurer elects to continue to administer this plan (no guarantee there either as this requires running dual claims systems alongside the new systems required under Obamacare).

      Any idea what doing all the above to "keep your plan if you like it…?" You got it, you had to absorb all premium increases and give up "shopping" to save premiums by changing plans.

    58. Citizen Jones says:

      With all the focus on the individual "tax penalty" (my terminology…use freely as it links the real term, a tax, to the bogus penalty favored by the deniers) we've lost sight of the other "tax penalties" lurking within PPACA. If most people's eyes glaze over on these details, I understand….but take a look and see for yourself:

      1) Employers of 50 or more employees who do not offer a group plan to employees ("Non-Offering" employers ) pay a $2,000 tax for every employee over 30 employees
      2) "Offering" employers of 50 or more who fail to offer an "affordable" plan" pay a tax of $3,000 for each employee who goes instead to the Exchange to buy a plan and receive a premium subsidy credit. This tax penalty starts at $3,000 in 2014 and can grow in subsequent years.

      Employers are now chained to a system that encourages employees to buy on the Exchange, getting a premium subsidy, while socking the employer with a tax penalty. Oh, and the employer must provide regular notice to the employees about the availability of coverage outside their plan via the Exchange.

      The definition of "affordable coverage" is that the portion paid by the employee cannot exceed 9.50 percent of W-2 income. So it is a moving target…."affordable" for low earners is a much lower threshold than higher earners. Still, Exchange based subsidies will be available for incomes between 133 percent and 400 percent of Federal Poverty Level (FPL).

      3) Offering employers can capture tax credits but this requires knowing ALL FAMILY earned income. So if you cover say your wife who works elsewhere, HER employer must share her wage info with YOUR employer so the calculation/determination can be made. This is then done MONTHLY.

      4) Premium subsidies accrue to individual insurance purchasers who go to the Exchange to buy coverage.
      Subsidies up t400 percent of FPL means a family of 4 can claim a subsidy at $93,000 of annual income!

      So, the media and the Dems would have us all believe that Obamacare doesn't exert any new costs or uncertainty on business owners. Yeah, right.

    59. Fred says:

      The Republican alternative seems to be simply, "when you get sick, just throw yourself at the mercy of your local emergency room."  Or perhaps, "die in the street, for all I care." Our taxes are paying NOW for emergency care for the uninsured. Wouldn't it be better if there was some means of planning and cost management involved? But rather than propose a better plan, the only plan the Republicans have is to demonize Obama and his program.

    60. Ryan Chapman ex USMC says:

      Where are the unbiased sources for all of this, I'm a moderate just looking for real information, all I seem to find on both sides is funded lies that when traced back to the roots… you find there is no truth at all. I know most Americans don't care enough to investigate, they just affiliate with a party and agree with anything they say, but I'm not one of them. So please some sources on this obvious extensive monetary information?

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