Cue the funeral bagpipes. My fourth health insurance plan is dead.
Two weeks ago, my husband and I received yet another cancellation notice for our private, individual health insurance coverage. Its our fourth Obamacare-induced obituary in four years. Our first death notice, from Anthem Blue Cross and Blue Shield, arrived in the fall of 2013. The insurer informed us that because of changes from health care reform (also called the Affordable Care Act or ACA), our plan no longer met the federal governments requirements.
Never mind our needs and desires as consumers who were quite satisfied with a high-deductible PPO that included a wide network of doctors for ourselves and our two children.
Our second death knell, from Rocky Mountain Health Plans, tolled in August 2015. That notice signaled the end of a plan we didnt want in the first place that didnt cover our kids dental care and wasnt accepted at our local urgent care clinic. The insurer pulled out of the individual market in all but one county in Colorado, following the complete withdrawal from that sector by Humana and UnitedHealthcare.
Our third notice of plan discontinuation, again from Anthem, informed us that the insurer would no longer offer your current health plan in the State of Colorado in August 2016. With fewer and fewer choices as know-it-all Obamacare bureaucrats decimated the individual market here and across the country, we enrolled in a high-deductible Bronze HSA EPO (Health Savings Account Exclusive Provider Organization) offered by Minneapolis-based startup, Bright Health.
Now, here we are barely a year later: Deja screwed times four. Our current plan will be discontinued on Jan. 1, 2018.
But dont worry, Bright Healths eulogy writer chirped, we have similar plans to address your needs.
Riiiiight. Where have I heard those pie-in-the-sky promises before? Oh, yeah. Straight out of the socialized medicine Trojan horses mouth. If you like your doctor, President Obama promised, you will be able to keep your doctor. Period. If you like your health care plan, youll be able to keep your health care plan. Period. No one will take it away. No matter what.
Is pathological lying covered under the Affordable Care Act?
Speaking of Affordable Care Act whoppers, so much for affordable. Our current deductible is $6,550 per person; $13,100 for our family of four. Assuming we can find a new plan at the bottom of the individual market barrel, our current monthly premium, $944.86, will rise to more than $1,300 a month.
Whats taking place is a market correction; the free market is at work, says Colorados state insurance commissioner, Marguerite Salazar. (T)his could be an indication that there were too many options for the market to support.
This presumptuous central planner called federal intervention to eliminate too many options for consumers the free market at work. Yes, friends, the Rocky Mountain High is real.
This isnt a market correction. Its a government catastrophe. Premiums for individual health plans in Virginia are set to skyrocket nearly 60 percent in 2018. In New Hampshire, those rates will rise 52 percent. In South Carolina, individual market consumers will face an average 31.3 percent hike. In Tennessee, theyll see rates jump between 20-40 percent.
Private, flexible PPOs for self-sufficient, self-employed people are vanishing by design. The social-engineered future healthy, full-paying consumers being herded into government-run Obamacare exchanges and severely regulated regional HMOs is a bipartisan big government health bureaucracys dream come true.
These choice-wreckers had the arrogant audacity to denigrate our pre-Obamacare plans as substandard (Obama), crappy (MSNBC big mouth Ed Schultz) and junk policies (Sen. Tom Harkin, D-Iowa). When I first called attention to the cancellation notice tsunami in 2013, liberal Mother Jones magazine sneered that the phenomenon was phony. And theyre still denying the Obamacare death spiral. Liberal Vox Media recently called the crisis a lie.
I dont have enough four-letter words for these propagandists. There are an estimated 450,000 consumers like us in Colorado and 17 million of us nationwide small-business owners, independent contractors and others who dont get their plans through group coverage, big companies or government employers. The costs, headaches and disruption in our lives caused by Obamacares meddling meddlers are real and massive.
But were puzzles to corporate media journalists whove never had to meet a payroll and dont even know what is the individual market.
Were invisible to late-night TV clowns who get their Obamacare-at-all-costs talking points from Chuck Schumer.
Were pariahs to social justice health care activists and Democrats who want us to just shut up and subsidize everyone elses insurance.
And were expendables to establishment Republicans who hoovered up campaign donations on the empty promise to repeal Obamacare and now consider amnesty for immigrants here illegally and gun control higher legislative priorities than keeping their damned word.
Were the canaries in the Obamacare coal mine. Ignore us at your peril, America. Youre next.
Michelle Malkin is host of Michelle Malkin Investigates on CRTV.com. Her email address is firstname.lastname@example.org. To find out more about Michelle Malkin and read features by other Creators Syndicate writers and cartoonists, visit the Creators Syndicate webpage at www.creators.com.
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