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How Will The New Health Insurance Laws Affect You

By Mark Riddix

Last Sunday night Congress passed the Patient Protection and Affordable Health Care Act. This act reforms the existing health care industry and is expected to insure an additional 32 million people. This bill was passed with quite a bit of controversy surrounding it. Polls consistently showed that the majority of Americans were not satisfied with the bill as it was currently written, and several Democrats voted against it along with all Republicans in the House of Representatives. Having said that, the President has signed it into law, and the deal is done. You may be wondering, how do these new health insurance laws affect you? Let’s take a look at the major ways in which the new health insurance bill will affect you.

1. Everyone will have to purchase health insurance.
By 2014, all Americans will have to purchase health insurance. Individuals that currently have health insurance will be affected the least by the new health care laws. Low and moderate income individuals will receive assistance from the government in order to purchase insurance. Individuals that fail to purchase insurance will be subject to fines and penalties. The penalty would be roughly $95 in 2014 and rise to $695 in 2016. There will be a maximum cap on fines.

2. Employers will have to offer insurance.
Employers with 50 or more employees must provide health insurance or pay fines if any of their employees receive federal subsidies to buy health insurance. Businesses that fail to offer insurance will be subject to fines and penalties. Employers with less than 50 employees are exempt from this rule. Employers with less than 25 employees who choose to offer insurance would receive tax credits as long as employees average salary is $50,000 per year.

3. No caps on medical coverage.
Insurance companies can no longer place restrictive annual limits or lifetime caps on the amount that they spend for medical coverage. In the past, insurance companies could places limits on the amount that they would spend for your medical expenses. If an individual had a disease such as cancer, these limits would have affected how much your insurance company would pay towards your treatment.

4. People with pre-existing conditions will receive coverage.
Health care reform means that all children will have access to medical insurance including children with pre-existing conditions. Adults with pre-existing conditions will also be able to have insurance coverage through high-risk pools as well. These high-risk pools will be run by states and limit the amount of money that you have to personally pay for medical insurance.

5. Kids can stay on their parents’ plan longer.
Adults under the age of 26 can stay on their parents plan. Previously, adults 19 and over had to find their own insurance policy if they were not enrolled in college. Now, adult children that are financially dependent upon their parents can stay on their parents’ policy.

6. Individuals can not be dropped by their insurance company.
Insurance companies will no longer be able to deny coverage to people that get sick. Health insurance companies are famous for saving money by dropping health care coverage for individuals with diseases or severe illnesses.

7. High income individuals will pay higher taxes.
Households that earn over $250,000 per year will be on the hook for higher taxes. Beginning in 2018, high income earners will have increased Medicare payroll taxes and taxes on unearned income. Unearned income applies to capital gains, interest, and dividend income.

8. 95% of Americans will now have health insurance coverage.
The biggest beneficiaries of health insurance reform are low and moderate income individuals, adult dependents under the age of 26, people with pre-existing conditions, and children. Seniors will receive a 50% discount on brand name prescription drugs. This should close up the doughnut hole which made seniors responsible for the entire cost of prescription drugs once they surpassed the coverage limit. Government subsidies to Medicare Advantage will be cut, costing some seniors to lose extra benefits.

For other bloggers’ opinions on the new health insurance laws, check out the following posts:

What do you think of the changes to the insurance laws?

(Photo credit: Listener42)

Mark Riddix
Mark Riddix is the founder and president of an independent investment advisory firm that provides personalized investing and asset management consulting. Mark has written financial columns for Baltimore and Washington, D.C. area newspapers and is the author of the book, Your Financial Playbook.

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  • gina

    I think that many of these reforms are good, but I do worry about how it will all be paid for. I see more increased taxes for high income earners, but I worry that it may trickle down…

    • brian broughton

      the new law concerning medical insyrance is complete horse crab. I can be fined if i have no insurance? That sounds alot like socialism. This is not the country that I was born in. This President admin. has no idea what the common citizen who has a low income goes through on a daily basis. If this is a start of Obama’s change , then we as Ammericans are in trouble. Most Americans can’t find gainful employment let alone health insurance. And on top of that we face a fine that increases over time. This is unacceptable. Thank You Hilary Clinton. God Bless America and chose your reps and congressman wisely with informed choices not just who is the “sexy” pick. Thank You

      • Fun Stuff

        Sir – I think you need to learn to spell before you decide what is socialism and what is good for the common citizen – if you don’t have a JOB – the plan will HELP YOU GET INSURANCE – Then again, if you knew how to spell, you may know how to read and you’d actually read the law before making judgements.

        • http://www.facebook.com/amanda.russell.71465 Amanda Russell

          How does it help him get insurance? As I’m understanding, this new insurance will be no different than the gruesomely expensive insurance we have “available” to us right now. Actually premiums are sure to go up, so I hear. This time, we just are penalized if we don’t buy it. Please explain how this will help an unemployed person with very little income without the grammar and spell checking. That has to be the lowest form of insult.

        • http://www.facebook.com/QuaneshiaHoldenFanPage Quaneshia Holden

          Amanda… there is a free option if u are 200% below the poverty line… or a low cost option

      • http://www.facebook.com/amanda.russell.71465 Amanda Russell

        Oh and Brian, none of these guys have any idea what the average us citizen goes through on a day to day basis. They are all loaded, and they seem to think we’ll be just fine if they give a tax credit. However, many of us can’t pay 500 mth for health insurance reguardless of the promise of reimbursement in a year.

        • Joe

          You will have to pay for a coverage with a high deductible.You will pay $ 200 a month or more that you will be able to get most back in taxes but the deductible will be $5000,to 10,000. So you will only be covered if you go over that amount and will have to pay for any visits to hospital yourself until you reach the deductible for that year. Only helps you for a major incident.You can do the same thing now. Like you I don’t and cant really afford another bill out of my pocket every month.All and all this is not a good thing and most likely all insurances will go up including car and home.Sorrry

  • http://www.healthinsuranceproviders.com Health Insurance Providers

    Also, check out this detailed time line of the health care reform bill in an easy to read picture form: http://www.healthinsuranceproviders.com/health-care-reform/

  • http://fundtips.blogspot.com/ Daddy Paul

    I think some reform was past due. I think this bill is too expensive. I think major changes need be made to this bill. I was a town hall meeting yesterday on this issue. The congressman was blaming Bush for the waste and abuse in Medicare and now with this bill waste and fraud won’t happen. The crowd laughed. Good golly Medicare waste and fraud has been going for years. I am sure 2000+ pages will stop the fraud. NOT!

  • http://madsaver.com Mac

    Yes, it was way past time for a major health care reform, but I’m not too happy with it as written. As a middle-income family guy with health insurance, I can only see my insurance costs rising. The insurers will be forced to insure more people and will pass the rising costs onto other members of their plans.

    The politicians should have attacked the wasteful medical spending, rather than throwing more money at the problem.

  • Courtney

    Children’s health care coverage is still not a guarantee…..

    Hours after President Barack Obama signed historic health care legislation, a potential problem emerged. Administration officials are now scrambling to fix a gap in highly touted benefits for children.

    Obama made better coverage for children a centerpiece of his health care remake, but it turns out the letter of the law provided a less-than-complete guarantee that kids with health problems would not be shut out of coverage.

    Under the new law, insurance companies still would be able to refuse new coverage to children because of a pre-existing medical problem, said Karen Lightfoot, spokeswoman for the House Energy and Commerce Committee, one of the main congressional panels that wrote the bill Obama signed into law Tuesday.

    However, if a child is accepted for coverage, or is already covered, the insurer cannot exclude payment for treating a particular illness, as sometimes happens now.

  • Mark Riddix

    All of these are excellent points! Health insurance reform should have addressed the problem of rising medical costs.

    • kl

      if i have to pay a fine for no coverage- and i do not have the money to pay the fine- am i jailed? and / or if i cant pay the fine will i be turned away if i need to go to the emergency room-or will i be excluded from refilling medications? will this new program make a central data base that will include my health issues- will a central data base be in affect to include my lack of paying fines -etc.

      • Joe

        You will have to sign a a paper saying you accept responsibility of the hospital bill.They can not turn you away.This is the same now and will not change.You will get refills on medication you will have to pay out of pocket.If you don’t pay the fine you will not go to jail.From what I see they will only take your tax refund.So basically nothing will change except that id you don’t pay the fine they will take your tax refund.

      • CJ

        the fine will be managed by the IRS.

        It will be the same as if you owed the IRS money in taxes.

        i.e. they can jack it from your paychecks.

        • House162000

          Actually, I believe they can only take it from your take refund if you get one. They can send you nasty letter though.

  • TheMadTurtle

    Section 10909 of the bill renews and expands the adoption tax credit. Personally, this is huge for my family. Adoption is so ridiculously expensive and the adoption tax credit is often the single thing that allows some families to adopt.

    • Mark Riddix

      I wasn’t aware of this. I need to read up on this section.

  • Pingback: How Health Care Reform Will Affect You | Money Talks News

  • Pingback: Health Care Reform: 8 Positive Changes | Money Talks News

  • Winston

    I am actually worse off with the passing of this bill. Right now, I don’t have health insurance and as a matter of fact, I don’t need one. For the last ten year that I have been in America, I have never gotten very ill or injured to the point where I would need major medical care. I wish, within this new law, there is a provision that gives people the option of not having a health insurance.

    • Jess

      You do have that option, but if your income is above a certain level you will have to pay a fee (1% of income). You may never get sick but what if you are in an accident?? That is the point of having everyone have insurance–so that we don’t have to cover the costs of the uninsured when they have medical emergencies.

      • CJ

        that’s why it won’t work Jess.

        Winston will pay the 695$ penalty, instead of the 600$ a month health coverage.

        And nothing will be different if he’s in a car accident.

      • rick

        i disagree that is not the point of insurance. the point of insurance is to spread your costs over a bigger demographic. the reality of insurance is that those who buy it , buy it for peace of mind or because they expect to need it. those who dont should then be considered self insured and held responsible for their own costs. simple. but it all comes back to holding each person accountable for their own lives. something this “its not my fault “society is not likely to do

  • Sueellen Edmonds

    When does the law go into effect? I have a 19 year old at home that isn’t covered by our insurance now and he needs to be.

    • Mark Riddix

      I believe that the covering of financially dependent children is in effect now. I can double check that for you.

  • Karen Moore

    How will the new healthcare laws affect someone who gets cancer that has insurance? I know they can no longer drop you for that, but can they make your rates much higher where you can no longer afford to keep the health insurance? Or is the government limiting the % they can raise it one you get sick? Thanks!

    • CJ

      Correct. They can no longer drop you or deny you for pre-existing conditions.

      However, there is no law about charging you a crap ton more for it. If you can’t pay, not their problem.

      • CJ

        Sorry.. to add onto repsonse. People in this situation will be lumped into pools of high risk individuals. The pools will be managed by states. As you can imagine, it is likely that covereage to these pools will be quite high.

        • Rick

          correct, it will work similiar the the wind pool insurance here in mississippi for home owners after ins cos dropped them after hurricane Katrina. VERY expensive and a disaster.

    • Iowaprelaw05

      The good news is you no longer have a cap. The old insurance companies only covered you up to a certain amount…say a million dollars, which sounds like a lot, but really doesnt go far when you are diagnosed with cancer.

  • Mdiminovich

    i work for a medical place who is making it mandatory for us to get the insurance that they are providing us the cost is high and it a insurance company i dont like . can they make u take they insurance . do we as employer ‘s have a choice can we choose outside of the work place to choose a insurance we want and what we can pay for ? besides i thought we have until 2014 to have this taken care of our office gave us only less than 3 days to deal with this what is my right on this health law?

  • Julie Age 25

    First is this comments or questions? All I see are questions and poor grammar. Several points are confusing here. Are we actually helping low and moderate income families? I sounds like we are making it worse for everyone all around. Forcing poor people to pay for insurance they do not need, forcing insurance companies to provide no limits to everyone (they will eventually need a bail out), forcing small businesses to offer insurance to they’re employees…. Another thing that seems confusing; if there are 50 or fewer employees the company gets a tax credit only if the employees are paid over an average of $50k how is this beneficial to low income families? $50k is not low income where I come from shouldn’t it be if they make less than that? Sounds like they are helping the rich ones again. Also the penalties are much much larger to employers who cannot offer insurance- obviously if a business cannot offer insurance they cannot pay thousands for every employee they have just for a penalty not even to provide insurance for the employees. What happens to the penalty money anyway? If we as employees get the option to enroll or not- it would be more beneficial to me not to enroll because the penalty they impose will cost me less than the premiums I would pay. Increasing the penalty tax for all non-qualified medical expense distributions from health savings plans from 10% to 20%??? I’m sorry but if I put the money in the savings plan, and I earned the money, then who the hell are you to tell what I can and cannot do with it? What justifies you getting a chunk of it anyway? An excise tax on the “Cadilac Insurance Plan” Maybe this an effort to go after the rich, but it still isn’t what I had in mind. If the insurance costs more than $10k for one person and you work in a “high risk” environments, isn’t that enough? Those are not the people who should pay more; they are already being raped in premiums. One last thing people over 65 get to stay at their 7.5% threshhold for claiming itemized deductions (as oppsed to 10% for everyone else)??? Aren’t they on the list of people that this is supposed to help? Don’t they have more itemized deductions than everyone else? Isn’t their health expense higher than everyone else? So I ask again who are we helping?

    • DEbowman

      Ahhh Julie is a liberal, 1st thing she does is point out spelling mistakes. After reading her post, and noticing that she is hitting all of the talking points of the libtards she shows she is just a tool

  • Tbolin00

    I have always had health ins. Till June, I started a new job and my letter of previous ins. Coverage did not get to me till the 64th day. I sent it to my employer and was told it was to late to het ins. Everything would be considered preexisting. The cut off was 64 days. Now I am told I have to pay for ins. For a 18 months before I can claim anything so it won’t be preexisting. High blood pressure is my only problem. Now that I don’t have ins. How will this affect me. My ins. With my company before it got dropped was 650.00 for myself and my husband. That was with the Co. Paying a portion. How are we expected to live….. Work for ins., and gas. One of my pay checks went for ins. and one went for gas. The other 2 gos for gro. House note, car note, car ins., light bill, water bill, food, school lunches for my kids is over 300.00 a month. We are sinking fast as a nation. We have to be able to live. I work on average 80+ hrs a week to make ends meet and attend school online full time. I can’t handle another bill….. Will this cost me more money?

    • cj

      well.. they won’t be able to deny you for pre-existing conditions anymore. However, you will now be required to buy insurance and it won’t be any cheaper. So you’ll either have to get covered again, or you will owe the penalty for not being covered. The penalty is 95$ starting 2014, but ramps to 695$ per year starting 2016.

      So if you planned on staying uninsured, yes it will cost you an extra 695$ a year for both you and your husband by 2016 and beyond.

      If you want coverage, you will be able to get it again now, but it will surely cost you as much or more than it did before.

    • Rick

      actually the ins will be much more expensive (my rate has increased by nearly a third already) and this is only the beginning.

  • Jeremy

    I am 19 and a dependent to my parents, but my health insurance was still cut on my birthday(Nov. 3). I had All-Care Healthy Families. Was mine cut because of my parents, or are some companies exempt?

  • Libby

    I do think this is long overdue. Its a start. Some people don’t think they need health insurance until they “need” it. Then they go bankrupt or the rest of us pay for it.
    Healthcare is a neccessity. I hope they now look at the little hidden costs of say “an aspirin” in a hospital and the ridiculous rises in healthcare and medicine.
    I also think those working in Parish and Federal government should pay into this plan as the rest of us do. Equality, regardless of race, gender or position of employment. When the government started giving their employees healthcare, paid for by the taxpayers, it was a lot cheaper than today. Medicine was cheaper and basic Doctors visits. Big companies started offering it as perks to its employees when it was much cheaper.
    We are in debt up to our knees and need to work together. Job wages are not rising as fast as healthcare costs. So we need to look at the whole picture.
    I pay my own healthcare out the pocket and it isn’t cheap. I’ve talked with others who have great incomes better than mine without healthcare.

    • House162000

      Libby, do you believe that the military should pay into their insurance? Did you know they already do? Do you know the quality of mediacal help they get is not always up to standard? Do you know they wait for hours to see their dr? Do you know their dr. is changed about every 3 months? Do you know that during war time, there can be a shortage of drs, and they have to wait? Don’t you think the Military members and their immedient family members deserve to get medical care? As I said, they pay for it, and they also pay co payments. They deserve more than this. Our government can’t even take care of the wounded soldiers, the charities do. Do you really think they can take care of you too?

    • guest

      you just dont get it do you? the govt has us bickering over healthcare and it really is all about control. their control over every aspect of our lives. why else would there be so much non healthcare related stuff attached to it? get a friggin grip this type of healthcare has not worked anywhere else why do you think it will work here?

  • SKIE GARRY

    AMEN TO THE PRESIDENT! I HAVE NO INSURANCE AND I HAVE DISABILITIES. THE PRICE OF SEEING A DOCTOR IS OUTRAGEOUS AND I AM ALSO UNEMPLOYED. NOT BY CHOICE BUT DUE TO MY HEALTH. GOING TO A FREE CLINIC IS AWFUL AND IT TAKES 8 HOURS OF THE DAY OR MORE. MY MEDS ARE OUTRAGEOUSLY EXPENSIVE AND UNAFFORDABLE. CANNOT GET MEDICAID BECAUSE I DONT HAVE SMALL CHILDREN. MAYBE NOW I WILL BE ABLE TO GET SOME ASSISTANCE. I LOST MY JOB 3 YEARS AGO DUE TO MY HEALTH AND MY ABILITIES. I HAVE TO TRY TO SEE WHICH MED IS MORE IMPORTANT TO BUY BECAUSE I NEVER HAVE ENOUGH TO GET THE ALL.. HOPEFULLY THIS HEALTHCARE BILL WILL HELP ME.

    • http://www.facebook.com/amanda.russell.71465 Amanda Russell

      Man, they aren’t giving you insurance, you have to buy it or be penalized on your tax return. You aren’t getting any insurance you couldn’t buy today, but I’m sure being unemployed you couldn’t afford it and getting a tax credit at the end of the year isn’t going to help you that much, not in the mean time anyway. Premiums are supposed to go up as the insurance companies have had to expand coverage. That is the way I understand it. I do hope that there is something available for you in the legislation as there may be. Good luck.

    • guest

      Are you kidding me. You are really complaining about a free clinic. It is people like you that use anything that you can and still complain about it is the reason why America is looked down upon. At least you have that option. Besides if you don’t work that means you have nothing but time to go to a free clinic right? I see many people playing the government all the time and claiming that they are disabled, but really their not. they are doing it just so they can sit on their lazy butts all day and get our, including my, tax dollars. My husband and I are very hard workers and have worked for everything we have. His grandmother has had two knee replacements and real bad arthritis but still works. I am not saying you are faking it but this Act is ridiculous! It takes away our freedom. And this is coming from the insured. My whole family has insurance through my work but I still think this act is WRONG! Why don’t you just do what most “disabled” people do is get Medicare. If you are really worried about money and really appreciate free things because you really are disabled then the free clinic would be a blessing to you! Just saying.

      • Maniacal1

        SSI is the new welfare :)

        • Happywithson

          shut up

        • Happywithson

          shut up

      • guest

        Wow….seriously! Do you even know what it is like to have physical illnesses and not having the choice to get a job! I have had 4 strokes, 2 heart surgeries,systemic lupus, anticardiolipid antibody syndrome, congestive heart failure, pulmonary embolism, pleural effusions, pleurisy, low left ejection fraction, heart attack, severe arthritis, herniated discs, renal failure, epilepsy, vasculitis, mitral valve replacement, septic infection, MRSA, and I cannot even think of the rest that I am on disability for. People think that people are lazy who are on disability, but these people did not choose to be this way. Who in their right mind would actually choose to live that way. I am so tired of people saying to go out and get a job…..don’t you think that we would if we could! Disability pays a little over 700 a month. We cannot choose to get another job, or go to school to change a profession, or if we come out short one month to get a side job. No one would choose to live this way on purpose. So, before you judge someone that is on disability, you really need to know why they are on it in the first place. So should we just eradicate them because they are putting a damper on your lifestyle. You don’t think that I didn’t pay taxes when I was able to work? Its the ignorance from people that make those that are disabled ashamed to even be on it. I am thankful that the government offers disability to their citizens. If they didn’t, I would’ve been dead at the age of 22. It is the greed that is in our country that’s destroying it and that is why people look down on us. Can I ask you something? Do you have a roof over your head, a car in your driveway, food in your fridge, lights on in your house, a warm bed to sleep in? Then trust me, YOU should be thankful, because alot of these people on disability don’t have these kinds of luxuries. Its funny, we try to help those in need in other countries. Yet, when trying to help those in need in our own country, we gripe and complain about it. So tell me, would it be better if those who are disabled just die off so that you would not be inconvenienced with money coming out of your taxes? Because if so, that is what Hitler thought too!

    • guest

      all you just got with this law is a big friggin free clinic! wake the heck up people.

  • SKIE GARRY

    MARK HOW WILL THIS AFFECT ME BEING 50, UNEMPLOYED AND NO HEALTH COVERAGE WHATSOEVER. I DON’T HAVE MINOR CHILDREN AND I DO HAVE SEVERAL HEALTH ISSUES. IS THERE SOME HELP FOR ME IN THE NEW HEALTHCARE COVERAGE BILL?

    • Iowaprelaw05

      if you fall below the poverty line the government will now offer you medicaid. Most states only provide medicaid for children and pregnant women, that will now change.

  • dave

    Where do you get the figure: “95% of Americans will now have health insurance coverage.”

    That projection is completely bogus.

  • Amy_martin2004

    How will this affect the children that are currently covered( by the allkids program?

  • Jesse Smith51

    This is socialism and is unconstitutional.

    • tommyboy0124

      You mean socialism like being forced to go to school, having a federal agency run the post office…that kinda stuff that people take for granted? Our government ‘to the Republic for which it stands’ is tasked with taking care of its’ citizens. That means, those who can’t afford health care get covered and those on Wall Street get covered. That’s what government does, at least as long as Democrats are in office. The conservatively-stacked supreme court just ruled it ‘is’ constitutional. Saying a duck is not a duck doesn’t change his quack.

      • House162000

        It is only constitutional if it is called a tax. If it is called anything else, it is not constitutional. Matter of wording. Since Obama’s lawyer said it was a tax, the court said that was okay. I think the court should as Obama if it is a tax or not. If he say no, then it is over, if he says tax, then you have just had the biggest tax hike in your life.

      • http://profile.yahoo.com/QUUQXJZC4OSXRJ65T63ZVW4LEI Cd Evans jr

        That’s correct! As long as democrats are in office there will be plenty of FREE $hi+ to buy votes from lazy people.

    • Onearmedbandit84

      If you draw ssi you
      should draw medcaid as well !! If you don’t look into it!

  • Brandon Keown

    Do any of you all know what is the highest annual income and individual can have before he/she has to have healthcare before being penalized at the in of the year?

    • Brandon Keown

      I have looked on different news sites (abc, cbs, cnn) and they say “at a certain level”. I was wanting pacifics

      • CJ

        From what I understand, there is no certain level. There are exemptions to the penalty under certain situations for certain time periods. Such as if you are between jobs for 3 months.

        If you are below certain povery lines, then the cost for insurance will be subsidized cheaper, but the penalty does not go away if you still cannot afford the subsidized premiums.

        • My4babiesandme

          what about people like me i am disabled and have 5 kids. thier father doesnt pay support and the ssi isnt enough to pay the bills now much less add 6 people on insurance

        • Maniacal1

          To the my4babies comment. Those of us who are not on welfare or SSI will have to continue to work to support you and your 4 kids. You make more on SSI than both of us working full time in this house, so I am positive your children are already on medicaid. So while you buy groceries with your food stamps, I will be trying to figure out how to work extra hours, just to make up for the taxes that will be taken out of my check to pay for you and your 5 kids. Meanwhile, we will come home and eat ramen noodles after we all (including my kids) get home from work.

      • Iowaprelaw05

        you mean specifics.

    • guest

      From what I understood, there is no cap. If you make enough to file a return, then you have enough to buy insurance, as per the Obama admin. We have a crooked government in my opinion.

  • Kathleen

    What happens to those who pay the fine for not having health insurance and they need care? The rest of us will still be stuck paying for them.

    • Guest99

      What do you think happens already? The already huge amount of uninsured people who are going to the hospital and can’t pay for it is insane, so who do you think is paying for that???? And most of these people are able to afford insurance!

  • Imapugluvr

    I just have a sinking feeling that for us teachers who always have had health insurance offerred through our jobs at a lower rate; that this will mean that the quality of insurance offered to me and my family will no doubt go down and the cost will go up a lot. This means my bottom line or my take home pay will be noticeably less thanks to this change. I remember when the president was a candidate talking about how much he was going to do to support teachers and so far, after being furloughed 3 days and without raises for 3 yrs, this seems like another hit.

    If someone is jobless, then how will they pay the fine for not having health insurance might I ask?

  • Anand kuteer

    I am american living overseas. will I have to buy health insurance or face penalties?

  • Sonyavirk04

    Where do people like me will fit with on and off jobs? I work as a contractor/temp jobs, I wont qualifies for low cost medi-cal and cant afford to bay insurance? I will be screwed both ways.

  • Littleangelban83

    after the negative response from this Bill, Obama still signed and passed it! All I see is control over us. And the best part is if you disagree you will be served a penalty.

  • ironman

    In other countries they provide free healthcare for their citizens we are supposed to be the richest and most powerful country on earth and we can provide anything for our citizens this new law is can cause problems people like me and others cannot afford insurance with minimum wage in a way they tax us is ridiculous. I’m 26 years old and some are friends and not just much younger me were struggling just to get by the day with our income why can’t they just let is be the way was a provide free healthcare like most countries do. By making us pay huge fines if we don’t get insurance that is messed up and it breaks my heart that the see that our government needs to do whatever it takes to squeeze as much money out of us to control us so God help America with this BS law and him and pride do the one thing that I never, do move out of this country is where I go to be a lot better than your

    • http://profile.yahoo.com/QUUQXJZC4OSXRJ65T63ZVW4LEI Cd Evans jr

      that’s the way to do it. Just give you all the FREE $hi+ & let your kids & grandkids pay for it. Freaking Bum!

  • Phil

    HOW WILL THE INSURANCE REFORM LAW EFFECT MED CARE, AND HOW WILL IT EFFECT VETERANS GETTING CARE .? ARN,T THEY BASICALLY INSURED ?

  • Jasonclayton80

    If you cat afford health insurance then how in the hell can you afford to pay the fines that you will get? That is why people dont have insurance now because they cant afford it!!!

    • Bella04292

      simple… the majority of those who do not have insuracne received many tax credits that give them back MORE money in refunds on money that was NEVER paid in!! so now it will reduced the refund ^_^

    • guest

      I can afford it, I just won’t use it. It is completely useless, drugs don’t fix anything but that’s what they will do, compare your symptoms to a prescription that will cover it up and send you on your way. Invest in your own health, exercise, eat right, take care of yourself, you won’t need them. Buy supplements w/the money you save. If you break a leg pay payments on the services you use.

      • grenadeh

        I purposely do not have health insurance. I don’t need it. Yes I have scholeosis and chronic back and muscle pain and am developing arthiritis and probably carpal tunnel. I don’t see the point in wasting that much money for something I Rarely ever need to use.

      • Jesse

        I 100% agree with this

    • Lwboodro

      because the fines happen to be cheaper then the 200-300 that i would pay a month to my employer for health insurance.

    • Ama1974

      I so agree with u and Im one of those that can not afford health ins so my take is if we cant afford to pay the fine are they gonna start putting us in jail

  • http://profile.yahoo.com/QUUQXJZC4OSXRJ65T63ZVW4LEI Cd Evans jr

    Bad part is most of the people complaining don’t even vote. If you don’t vote you deserve the government you get. And the screwing.

    • guest

      I did vote, but I didn’t vote for this jack but in office. Standing in line, I clearly was out-numbered.

      • guest

        hmm funny how people actually think “we” vote for the president. if you watch the election you will notice two numbers which is the electoral collage vote and the population vote, did anyone notice that bush did not win the population vote on his second term? the people who actually vote for the president is the state senators, with the electoral collage we the people do not have anything to do with that, we are used as a survey, but in the end its up to the senators to say “hey i want him in office” not the other way around people, it is in black and white, if people will only read

    • grenadeh

      Most intelligent people aren’t voting for pres this year. There’s no reason to vote between two candidates who are exactly the same fake guy with the same fake masked totalitarian agenda.

  • http://profile.yahoo.com/QUUQXJZC4OSXRJ65T63ZVW4LEI Cd Evans jr

    It is going to be repealed any way. Soooooo?

  • Freedomringers

    Its getting time for an uprising, civil war against government! When the antichrist(obama) can force people to pay 700 dollars a year for NOT having something, that’s the absolute end of frredom in this country. Hopefully the anger that’s swelling in the souls of all people will become physical and people will march and fight for freedom from our communist government. Amen.

    • Bella04292

      are you serious?? people like you scare me….. health insurance is needed plain & simple!

      • Scott Mackenzie

        health insurance may be needed but what he is saying is that the antichrist (obama) is forcing people to have it or pay a fine. The bigger the government the smaller the citizen.

      • artimus1971

        are you serious,it should remain a choice…it should not be forced on us

      • Barbdennis

        You need to move to another country if you want your government “taking”care of you….I DO NOT NEED MY GOVERNMENT TELLING ME WHAT TO DO!! You government is NOT taking any of the Ins that we are being FORCED to take…that SHOULD SCARE YOU!!!!!

      • Ama1974

        I agree health care is needed I do not have health insurance and the way my financial situation is I dont see it in the near future so Im more than likely gonna be one of those who will be paying a fine every year I also think its not fair to fine us for something we can not afford its like were being punished for being poor

      • Scott

        You are a commie like your president.keep your nosey a$$ out of my buisness.

      • Scott

        I’m sorry I hit reply under the wrong name.

    • Scott

      You are a commie like your president,keep your nosey a$$ put of my buisness and pockets you anti American piece of $hit

  • Thorpe1940

    First thing the fine is only 95.00 for the first year then 325.00 the second year and then 645.00 the third year ……….add it up its more than 700.00 Medicare will only change if your state decides to expand it ……….which most states wont do ….then there is the estimation that 4hundred thousand people wont buy insurance ….so how is this going to cover all of the people… I’m afraid we have been lied to again

  • Thorpe1940

    im 72 and i have medicare…….i pay 97.00 a month for it (its not free) i go to a doctor about twice a year ….visit costs 75.00 medicare pays 12.00 so between what i pay for medicare and what it covers ..its cost to me is 1,288.00…….good luck on this new great health insurance were receiving from the government

  • guest

    For those of you for the insurance trap. Do you really think you are getting what you pay for when you go to the doctors office? You are written a prescription that fixes nothing, causes more problems and it’s a revolving door. With greater issues later caused by the initial prescription, now you need more and more. The initial problem is never fixed. For me, the penalty is less than the monthly payment of having insurance that I will never use, I will die w/my cancer before I will ever step foot into a doctors office or hospital, which you will die anyhow, just a little more miserable. Stop eating out, use a crockpot and buy some suppliments, invest in your own health, not a rich doctors Mercedes.

  • Shar11211

    to me this is nothing but goverment control more of it.USA is suppose to be freedom of choice is that not what our soldiers fought for.

  • Amanda

    My husband and I are both self employeed and can not afford health insurance. Premiums are around $800.00 a month for those that are employed in my area and it depends on what company their employer goes through. It’s even higher for families like mine. The premiums are higher than my house payment. We go to the doctor a few times a year. We stay on top of yearly exams to help avoid major health issues. We pay out of pocket. Our premiums go to us. It’s cheaper that way for us. I know heaven forbid something huge happen to us but for now we have 4 children to feed and can’t afford to make insurance companies richer. So you know who pays for my care when I will just pay the fines instead? Me! Not you. I know that isn’t going to always be the case but it’s not like it’s a new thing. You have already been paying for the poor to go to the doctor. That’s not going to change. Add it up. For me to pay $900.00 a month in premiums plus the cost of any prescriptions we might need plus the cost of the visit to the doctor and every other out of pocket expense, it’s cheaper for me to pay the $100.00 to $300.00 every few months. Cost of vitamins $60.00 a month. Eating healthier $200.00 more a month in food. I actually save money. Even if my kids (heaven forbid) break an arm the medical expenses are still cheaper than insurance after premiums and the left over cost of hospital expenses that insurance doesn’t cover. It would send my family into bankruptcy to have insurance. You can’t throw everyone without insurance into one big pool. Some of us aren’t lazy and are hard workers like everyone else. If the government really wanted to improve health care they would have gone after the insurance companies more. Put a cap on how much they can charge in premiums. They would have gone after drug companies and stopped letting them rip us off with prescription costs instead of attacking the Americans that have to live with the damage that govenment is doing to us. We pay the price for every little thing they do. Our country is in debt because the wrong people are being taxed. You can only charge the little guy so much to live here before he is forced to live in the street. Our health care in this country is a joke. It’s not coverage unless you have a serious illness and need the help that insurance is SUPPOSE to give you. But for people like me, it’s a rip off. I think for most people it’s a rip off. Then again, this is just my opinion and what do I know. I’m just the little guy…woman.

    • Melilee33

      It’s nice to hear someone else with the same opinion as myself. I am married with 4 kids and both of us work. We make just a little too much to qualify for any State help (which I don’t want to use anyway) but not enough to afford the $700 a month for family insurance with huge deductibles. My husband is covered through his work but I work for a tiny company with no insurance. Every year I try to find ways to cut back to afford it but I can’t. I drive an old mini-van, don’t have an I-phone and rarely take vacations. I don’t go to movies. I shop at thrift stores as much as I can for needed clothes and spend very little on personal things like hair cuts, etc. To think that everyone can magically whip out hundreds of dollars a month for insurance is completely crazy. I try to take care of myself and if medical issues come up, we make payments with cash until they are paid off. Thankfully I haven’t had to pay a lot in the last 12 years except for a couple broken arms on one of my kids. It is cheaper for me to pay the $100 dr. visit a couple times a year than $700 a month. I hope there will be a way for me to get assistance with insurance next year because otherwise I will take my chances and pay the fine because other than living with no utilities or food, I won’t be pulling extra $100′s out of my pocket to buy insurance.

  • mc7128

    I am a disabled mom with cancer (totally disabled) my son lost his medical card after high school. He is a college student now with no insurance and has no means to get his ADHD medication etc…..How does all this insurance talk help the parents/college kids that really need it. He is a full time student and athlete so the tell him to get a job and go to school isnt a valid point. On his medicine he is an honor student. I just do not understand how the poor and disabled Americans get no relief. I want my children to graduate and go out into the workforce but he will not pass college without a means of insurance.

  • Peggy Sue

    I do believe that working people that don’t have insurance should have it. I am VERY conservative,and I will not vote for Obama,but I do see a need for coverage. How many “middle” and ” low income” people have big screen TVs,expanded TV service,Iphones,etc,but don’t put aside anything for a health plan? My taxes will have to pay for them if they have to be hospitalized. They get manicures,pedicures,colored contact lenses,name brand clothing,and buy their kids expensive toys and video games. They SHOULD be responsible and pay their own way. What I do wonder is,what quality of healthcare are we looking at in the future? We need to have universal healthcare,but I don’t know if all facets of this one will be beneficial. I foresee less good doctors available,and long waits for an appt. I hope it can be amended as time goes on as the hidden problems emerge.
    Don’t me started on all the freeloaders on Medicaid,food stamps and section 8 housing! i am not referring to the elderly or disabled,but the slackers.

    Personal responsibility is disappearing.

    • Lwboodro

      im sorry but i know people that make fifty thousand dollars a year , dont have cable television or a big screen tv or any other fancy stuff and they have health insurance . but they don’t like the fact the the government is forcing the people to pay for something that especially the poor people cant afford …lets put it this way what if you only made $1000 dollars a month .that 7.25$ at 40 hours (full time employment) and your rent is 600 dollars a month for a one bedroom which is very common here. that leaves you with 400 dollars ..your telling me that with that 400 dollars it is possible to pay your utilities the gas for your vehicle food in your mouth and pay that 50 dollars a week in health insurance no you cant but that is what the government is saying what needs to be done…i know your probably thinking just get a second job.. well what if your in college one thats more expenses and two where is the time to work to jobs and go to school and still be able to enjoy life.. oh yeah that’s right were not supposed to enjoy life . we are supposed to go to work and go to school .then go home sleep , then do it all over again the next day..if i want to spend MY hard earned money on cable so i have something to do when im not working or at school that is my business. again it boils down to it should be an option not mandatory..and as far as it coming out of your pay check..its been coming out of your check since youve been working ..taxes are a given your going to pay for them no matter what .

    • Jennifer

      I can see that this was typed 8 months ago and You are so not right in the head! I have section 8 housing and I go to work everyday! I get paid the minimum wage of $8.25/hr. I am no way, shape, or form a slacker!!!! I don’t even have food stamps cause I live on my own! I only buy what I need for me and if one of my good neighbors needs something and I have the $ I will get it for them and they will pay me back! Anyway, you are way too judgemental! Obama is tearing this country apart! So before you start shooting off at the mouth Miss Peggy, get the facts! I don’t have health insurance but now if I don’t want a big fine, I’m gonna have to get it b4 2014 sets in! Medical Cards will cease to exist! But if I have to make a choice between paying my rent and getting my insurance paid, I choose rent!

  • shawna

    That’s right it’s all the democrats fault our economy was booming when Bush was in office…………………………………NOT!!!!!!!!!!!!!!!!!!!!!!!!!

    • lin

      Booming??? Are u kidding me? Where have you been? It was Bush who got into all this mess that is going to take years to fix. :(

  • http://www.facebook.com/amber.gebhardt.3 Amber Gebhardt

    I am all for it! This country spending tons of money every year on people who do not have health insurance! If you don’t think this is a good idea then ask yourself if having car insurance is a good idea. What happens to you when some a**hole who doesn’t have car insurance hits you? You are screwed. Its the same when someone who doesn’t have health insurance. Meaning more taxpayer dollars goes to that person who was not insuranced. People in this damn country make too many freaking excusses. I don’t make a lot of money but at least I have health insurance. You never know what can happen in the future. And if you are one of those people who can’t “afford it”, then cut back on something. You don’t need cable or an iphone…health insurance is way more important than those silly things! Everyone has something they can cut back on so stop making excusses!

    • Lwboodro

      your nor screwed if some a hole hits you .that when your insurance company will pay for some if not all the damages. I am glad you like being told you have to buy something..so if the president tell you that you have remodel your house and spend 20 thousand dollars on re insulating and making your home energy efficient so that we use less fuel, your telling me that wouldn’t bother you. I am not saying that people shouldn’t have health insurance but it should be their choice. I Live in NH even car insurance is not Mandatory.

    • Popnfreshbaby

      thats sad you think that way. Some people out there would love to have health care coverage but are struggling so much they caouldn’t afford to.

    • Aimdoll

      Really Amber….

      People who do not have health insurance, do not have it because they can not afford it. Rich people have no problem with this, they already can afford it. You have to ask yourself, why are we fining poor people for not having healthcare? Seriously, comparing health insurance to car insurance is like comparing a trip to the hospital to a trip to Disneyland. Driving a car is a luxury and a privilege, healthcare is a necessity. Although, healthcare is a necessity many people simply can not afford it. The truth is that the government is breaking the backs of its people and has found another venue to procure revenue. Exactly why should the government collect fines from uninsured people? If I understand this correctly, if you are too poor to afford insurance the government is going to fine you. What about the employeers who are cutting back hours so they do not have to provide healthcare to their workers? This is a hot mess!! You actually piss me off when you say”if you are one of those people who cannot afford it, then cut back on something? Are you asking people to make the choice, eat or have health insurance, pay your rent or pay health insurance, put gas in the car to go to work or pay for health insurance? Lets get something straight here, the medical industry is not going broke over people who do not have insurance. As a matter of fact, the hospitals need to have some degree of loss, which they get a tax break for, so that they can minimize the tax that they pay the Government. You are also a joke when you say give up your iPhone or cable, I hate to tell you many people who do not have healthcare certainly do not have an iPhone or cable, a lot of the people are indigent and do not even have a home. Your ignorance is baffling, you need to put the silver spoon back in your mouth and shut up!!!!!!

      • Benjamin Emanuel

        More posts from Amber….I’m beginning to see a pattern.
        THis is what AMBER posted on another subject so you can get an idea of her state of mind:

        Bill to restrict ephedrine/pseudoephedrine sales to be heard Tues.Amber Gebhardt • 4 months ago
        Seriously?!?! Let the meth heads die. I got allergies and I really don’t want to go to the doctor and spend 200 dollars on my freaking allergies! They will just find a new ingredient to put in the meth.

    • Nissan

      you are about as stupid as they come

    • HANDONE

      your post on ephedrine states : you dont want to pay 200.00 to go to the doctor for some allergy medicine. thought you had health insurance.? It sounds like you just like to state your opinion without any kind or extensive research on the topic before you. Just blab out what you think is right and every one else can die (Quote from ephedrine post) My now gone father used to tell me. ITS NOT YOUR PLACE TO JUDGE ANYONE!! THAT IS GOD’S JOB!! & BEFORE YOU DECIDE TO MOUTH OUT YOUR OPINION..,,JUST WALK A MILE IN THAT PERSON’S SHOES, BEFORE YOU DO? IM SURE YOU WOULD RESPECT THE PERSON WHO GAVE Y O U THE SAME CONSIDERATION,,WOULDN’T YOU?

    • Suzanna Lytle

      Ill tell you what happens if some uninsured A hole hits me my car insurance company will pay 100,000 $ of my medical bills like it states in my policy for any injuries that happen to me and 100,000 for anyone else in my car at the time of an accident.

  • Nicholassichra

    with the laws they have now is it possible to drop an insurance that you are currently on through your work place if its not the eligibility date yet? this has been my question for about three months now.

  • GuestWHO

    WE WERE PAYING FOR LOW INCOME AND THE UN-INS. THE WHOLE TIME THRU RISING COST, ONLY DIFFERNCE NOW IT’S ON PAPER NOW. PEOPLE JUST CALM DOWN. BEGIN TO PRAY FOR BETTER JOBS THAT GREEDY BUSINESS MEN DON’T WANT TO START BECAUSE HIS PROFIT MARGIN GOES DOWN BY TWO BUCKS.LORD KNOWS PAYING A PERSON $7.50 AN HOUR AFTER MAKING A COOL HALF MIL. A YEAR IN NET PROFITS IS JUST TOO MUCH

  • artimus1971

    well,if we want to make it a choice,can’t we all agree to repeal the law,

  • Trinket1993

    nothing is going to be done about this because United States people are not untied. They will sit here like we are and complain about it but in all truth will go on their everyday lives trying to survive. United States citizens go live in their own little shell and not really focus on the world around them and that is what this government hopes for. I am not talking about realizing were all going down the drain but actually taking action to what really needs to be done to improve Americas situation. No one will take action, no one wants to because they have lives they need and want to live. I am pretty sure a good amount of you who complain will go to work go do their errands go home cook sometimes clean and do it again the next morning. Some will have to because their responsibilities to little ones but those who have that freedom they won’t take the time to try. Don’t give the excuse that no one would join and one isnt enough because it took one Martin Luther King and Abraham Lincoln to change history. It’s just a matter of actually wanting to.
    You know what sucks I am that same person i just described, i am barely surviving as is i go to college go to work for the rest of the time and barely get enough hours out the day to sleep. With this new medical law this is going to kill me financially. So trying to go out and change the voice of power isnt something i can just walk out of my house and do. So not much of judgment here.

  • Doc

    All its doing to my emplorer is lowering the hours we can work. Now all we can work is less than 30 hours, and he laid off the full time employe`s

  • Airdepotbo

    this way insurance compeny makes money not just wellfare pay the doctor you dont wont national healthcare so this is what you get

  • c p

    I hate the way these articles have no date on them anywhere. Is this news from today, yesterday, 9 months ago??? who knows. things change. this article is a waste of time with no date. could be be old and irrelevant now for all I know…put a date in it Mark R.

  • Aimdoll

    Interesting,

    On this site I posted a response to the comment you get what you deserve if you do not vote. What is interesting is that my comment had to be reviewed by the mediator of this site. I saw one post that called for civil war and that comment made it on to the site; however, my comments regarding the sheep mentality of this country and the death of my husband, who did not even have the right to his life, had to be mediated. I hope this makes it through, because I am not sure that this forum promotes open and honest discussion and I thought its subscribers and readers should be made aware of that fact.

    • Aimdoll

      Okay, with all fairness I am happy to say they posted my response. If you are wondering what I said that would cause them to flag my response. Please like the response if you agree. ;-) God help us all!

  • Shaferd

    This new health insurance law is terrible. I know plenty of people that are not insured & they can not get on the state insurance because they make too much $, BULL!!!!! People can not afford to buy their own insurance & some will not be able to afford to pay the fine. THIS IS MESSED UP!!!!!

  • concerned or not…

    Hmmm… pay $921 per month ($11,052 annually) to insure my family or pay a fine of $2,500 (cap). Just sayin’…

  • http://twitter.com/CallieSimon Cal Orey

    Can’t keep up. I’m in Healthy Tier 1 and must pay $587 per month. I have never met my deductible, never been hospitalized but paying the premiums are killing me! As a health author, I know I’m not invincible but the insurance company’s rates are stressing me out big-time. What to do? I’ve paid in since my 30s…I’m a gift to them.

  • footlady

    Has anyone ever had to have bp/weight/height taken at the Podiatrists office in NH? I was told by my Podiatrist this is mandatory in NH … never had to before now.

  • footlady

    Has anyone ever had to have bp/weight/height taken at the Podiatrists office in NH? I was told by my Podiatrist this is mandatory in NH … never had to before now.

  • scared and uninsured

    A tax preparer told my husband and I that next year’s return would be less if I don’t find health insurance before the end of the year. Is that true? That’s not fair! We can barely survive as it is. I work part-time, but no benefits, and can’t find full-time work. Contrary to what the stupid job statistics say, there are NO good jobs left – only low-wage and part-time. I’ve been looking for full-time work since I got my master’s degree two years ago; nothing. Soon I will not only have to pay for insurance, but student loans as well!
    Thanks for nothing O’Bama.
    P.S. – used to be a Dem. not so sure now. Does it really matter anyway?

    • Rj

      I’m in the same boat at 26 years old. I have a full time job, but it doesn’t pay much. Still iit’s the best I can find. I paid off my car, but between 550 rent, 50 a tank gas, 200 a month food, 40 cell phone bill, 30 car insurance payment, and whatever small groups of payments I have to pay…. There is absolutely nothing left. I have to wait for my tax return every year just to have a little spending money or fix my car. I never go to the doctor because I can’t afford it, and having insurance isn’t going to chance that fact. 40% coverage and $40 a visit means I’ll never be able to go unless I want to take on debt. The government will pay for 100% of my monthly insurance plan costs, there is no way I can afford it. So what do I do? Wait for the fine I also can’t pay? This is all a big joke. There is no such thing as left or right anymore. Just politicians fueled by $.

  • outraged native American India

    No afence I find I stupid thatsomeone that can’t afford health insurance is going to get fined for the BS an it is iratating….!!!!!!!! Now why does the the government take all of the money out of our pockets an out of our mouth. Barry the outraged native American Indian

    • samonedefine

      Maybe if you get an education you could recieve a higher paying job. By the looks of your writing abilities you could really use some help! No job will hire you if you can not write correctly. (irritating) (offence)

  • HANDONE

    I LIVE IN A RIGHT TO WORK STATE OF IDAHO. BEEN WITH A GOLF COURSE THAT IS OWNED BY THE MEMBERS THAT LIVE ON IT,& A NON-PROFIT ORG. FOR 10 YEARS BUT LAID OF FOR THE WINTER MONTHS. I STARTED A 7.50 PER HR & TEN YEARS LATER MAKING A WHOPPING 12.73 PER HR. I AM HEAD GARDNER & POOL OPERATING MGR. CERTIFIED. ALSO 55 YRS OLD. HERE’S THE SOLUTION TO HEALTH CARE, & SO MANY POVERTY STRICKEN AMERICANS. IN THE LATE 70′S ,EARLY 80′S I WAS A BARTENDER FOR A UNION BAR ,ONLY 1 IN SPOKANE, WA. I MADE 7.50 PER HR.. MY TIPS WERE A MINIMUM OF 100.00 PER NIGHT. , I WORKED 5 DAYS A WK. 8 HR DAYS. THAT’S OVER 700.00 PER WK. MY BRAND NEW MG CAR WAS 8,500.00 DRIVEN OFF THE SHOW ROOM FLOOR. MY MOBILE HOME 14 X 60 , PAYMENT WAS 73.00 AND LOT RENT WAS 43…BASICALLY IT COST ME 600.00 DOLLARS A MONTH TO LIVE, AND NOT HIGH ON THE HOG..AND I EASILY COULD AFFORD A EXTRA 200.00 MONTHLY FOR HEALTH INSURANCE. NOW I MAKE 1600.00 PER MONTH AND JUST TO LIVE WITH LIFE ESSENTIALS IS 1547.00 PER MONTH. THAT DOES NOT INCLUDE CLOTHES, MAKE UP/HEIGIENE GAS. FOR I LIVE ACROSS THE STREET FROM THE GOLF COURSE I WORK AT IN A 8 BY 40 TRAVEL TRAILER FOR ITS ALL I CAN AFFFORD. SO MY GAS IS ABOUT 75.00 MONTHLY. ADD 2 MORE HUNDRED TO THE AVERAGE COST TO LIVE. WHATS WRONG WITH THE PICTURE. PAY US AMERICANS ACCORDINGLY TO WHAT IT COST TO JUST LIVE HERE!!!!! PRICES SORE BUT NOT OUR INCOME. IF IT MATCHED THEN WE COULD PAY FOR OUR OWN HEALTH CARE & TAKE CARE OF OUR OWN AGING PARENTS & FAMILY. ITS SO SIMPLE. STOP MAKING THE RICH RICHER & THE BLUE COLLAR,USED TO BE MIDDLE-CLASS GUY HOMELESS.I REMEMBER THE CLASSES OF PEOPLE WERE; THE RICH THE MIDDLE-CLASS & THE POOR. NOW IT’S , RICH,POOR & THE HOMELESS.WAKE-UP PAYS US RIGHT. I SHOULD BE MAKING 19.00-22.00 PER HR & PEOPLE LIKE ME NO COLLEGE JUST DAM HARDWORKING SINGLE PARENT PUT HER SON THROUGH COLLEGE W/US BOTH WORKING 2 JOBS. NOW MY HEALTH IS GOING DOWN HILL HAVE TO LIVE LIKE A BUM BECAUSE GOVERNMENT & THE RICH WHO RUN IT & RUN THIS U.S OF AMERICA DO’T CARE AS LONG As their pockets are getting lined…the bible says (NOT SURE OF THE VERSE GOOGLE IT.) GETTING A CAMEL THROUGH THE EYE OF A NEEDLE WILL BE LIKE GETTING A R I C H M A N INTO H E A V E N.. THINK ABOUT THAT ONE AND POST IT TO ALL THE RICH GOVERNMENT SO CALLED PEOPLE I PREFER TO RELATE TO THEM AS HIGH CLASSED MONEY HUNGRY LOST SOULS BELONGING TO LUCIFER!!! SOME ONE PRAYING FOR THE PEOPLE RUNNING THIS U,S, TO WAKE-UP & SMELL THE COFFEE. ESPECIALLY IF YOU WANT A PLACE IN HEAVEN

  • jeannie

    sorry to tell you but the $95. is not per year but per month.

  • John

    Lets make alot of people pay for something they don’t want and probly don’t even need. Lets force them to pay for something they don’t need, so it is even harder for them to make ends meet. Worst plan ever, it should be your choice and your buisness if you want healthcare or not. I haven’t been to a doctor in years, living just fine no problems. Never even had a reason to go to one. Why should I have to pay for something I don’t even need? Worst plan ever, we have some tards in congress.

  • tejanita

    I think if they want us to pay or get a health insurance they should rais our salarys at work and pay us more at our jobs cause some of us ppl don’t make enough to afford a health insurance and we would be living in da streets if we can’t pay our bills

  • layitlo

    I’m on ssi with less then $1900 per month coming in to pay the bills. I pay for the kids peachcare right now but I have nothing for myself. I also don’t pay taxes cause I have no earned income. Can anyone send me to the right place to find out what I’m supposed to do?

  • dooster

    Hey, “the people” voted him in, now we all deal with the consequences. This to me is what happpens when the majority of your voters are less educated.

  • TJT

    Im Totally Pissed By This GOD@#$%F&^%& Law The Goverment Only Has The Power To Take & Not Give Onless You Have Welfare Or Get SSI Every Month

  • Chili

    I get 541.00 a month on SSI. Can I get Affordable care?

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    Hello i am MISS DORA LAWSON,I am out here to spread this good news to the entire world on how i got my husband back.I was going crazy, mad and confuse. when my husband left me for another woman last month,But when i meet a friend that introduce me to DR ADAGBA the great messenger to the oracle that he serve,I narrated my problem to DR ADAGBA about how my ex love left me and also how i needed to get a job in a very big company.He only said to me that i have come to the right place were i will be getting my heart desire without any side effect.He told me what i need to do,After it was been done,In the next 2 days,My love called me on the phone and was saying sorry for living me before now and also in the next one week after my lovely husband called me to be pleading for forgiveness,I was called for interview in my desired company were i needed to work as the managing director..I am so happy and overwhelmed that i have to tell this to the entire world to contact DR ADAGBA at the following email address and get all your problem solve..No problem is too big for him to solve..Contact him direct on: [email protected] and get your problems solve like me, call him via;+2348115200304

  • dora lawson

    Hello i am MISS DORA LAWSON,I am out here to spread this good news to the entire world on how i got my husband back.I was going crazy, mad and confuse. when my husband left me for another woman last month,But when i meet a friend that introduce me to DR ADAGBA the great messenger to the oracle that he serve,I narrated my problem to DR ADAGBA about how my ex love left me and also how i needed to get a job in a very big company.He only said to me that i have come to the right place were i will be getting my heart desire without any side effect.He told me what i need to do,After it was been done,In the next 2 days,My love called me on the phone and was saying sorry for living me before now and also in the next one week after my lovely husband called me to be pleading for forgiveness,I was called for interview in my desired company were i needed to work as the managing director..I am so happy and overwhelmed that i have to tell this to the entire world to contact DR ADAGBA at the following email address and get all your problem solve..No problem is too big for him to solve..Contact him direct on: [email protected] and get your problems solve like me, call him via;+2348115200304

  • Martins Lanaya

    I am
    very happy, I wish to share my testimonies with the general public about
    what this man called Dr Adodo has just done for me , this man has just
    brought back my lost Ex husband to me with his great spell, i was
    married to this man called Steven we were together for a long time and
    we loved our self’s but when i was unable to give he a child for 2 years
    he left me and told me he can’t continue anymore
    then i was now looking for ways to get him back until a friend of mine
    told me about this man and gave his contact email
    (dradodojattotemple@yahoo.c[email protected])
    then you won’t believe this when i contacted this man on my problems he
    prepared this spell cast and bring my lost husband back, and after a
    month i miss my month and go for a test and the result stated am
    pregnant am happy today am a mother of a baby girl, thank you once again
    the great Dr Adodo for what you have done for me, if you are out there
    passing through this same kind of problems you can contact he today on
    his mail ( [email protected]) and he will also help you as
    well

  • Ray

    Repeal this fricken garbage. Come on people, it’s time to get pissed off.

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