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Posted on 12/18/2025 9:15:28 PM PST by Red Badger
When insurance costs more than survival, coverage is just a word.
Obamacare didn’t protect families, it priced them into submission.
A system that only works for the rich or the dependent is not a safety net.
======================================================================================
BRIEFING
It’s been just over a decade since Obamacare was implemented, and for a majority of Americans, it’s done jack diddly squat for them. As a matter of fact, one American family sat down, did the Obamacare math honestly, and realized that working, paying premiums, and playing by the rules still left them staring at a literal dead end. Let’s break it down.
One woman with five kids recently made a video where she lays out her income, her family size, and her insurance options, and what she was given were literally laughable. First option is $1,100 a month through an employer plan, and the second is a staggering $1,600 a month through the ACA, with a deductible so high it turns coverage into a technicality instead of protection.
SOURCE
American family has 5 kids. She makes $2,600 per month after taxes
The cheapest option she could get for health insurance from the Affordable Care Act marketplace is $1,700 per month with a $17,000 deductible
Barack Obama destroyed our healthcare system
“$1,600 a month for a $17,000 deductible and they will only pay 50% after I meet that deductible So I’m thinking we’re just gonna go die”
American family has 5 kids. She makes $2,600 per month after taxes
The cheapest option she could get for health insurance from the Affordable Care Act marketplace is $1,700 per month with a $17,000 deductible
Barack Obama destroyed our healthcare system
“$1,600 a month for a… pic.twitter.com/hEbeR8B6Ye— Wall Street Apes (@WallStreetApes) December 16, 2025
This is the stark reality of Obamacare for your average American family. Honestly, to benefit at all from this program, you either have to be earning well over $300k a year or be destitute. But for those in the middle who can’t afford the monthly premium or receive the subsidies that make ACA affordable, they’re literally left to fend for themselves.
Which, speaking of those subsidies, those are close to being on their way out. The enhanced premium tax credits — which made ACA plans more affordable — are slated to expire at the end of 2025, potentially forcing millions to pay much more or lose coverage entirely.
It’s hard to imagine that after the subsidies go away that anyone besides the extremely wealthy will be able to afford Obamacare.
SOURCE
Should the enhanced ACA premium tax credits expire on December 31, the roughly 22.4 million people relying on these subsidies would be hit with steep increases in their health insurance premiums starting in 2026.
Their premiums could more than double next year, per a preview of the available plans released by the Trump administration.
Millions more would lose subsidized ACA marketplace coverage, and roughly 3.8 million people are projected to lose health insurance coverage entirely and become uninsured each year from 2026 to 2034 due to high costs, per the Congressional Budget Office.
Around 47% of American adults reported fears that they would not be able to cover the cost of necessary health care should the tax credits expire, per a West Health-Gallup poll from last month.
DEBRIEFING
So folks, this is what Obamacare really looks like once you strip away slogans and subsidies and force it to operate in the real world. A working family does the math, and the math clearly tells them there is no version of the program that actually offers them security. The premiums eat income, deductibles make coverage downright theoretical, and care is postponed not because people are irresponsible, but because the entire system prices it out of reach.
But keep in mind, this entire outcome is not accidental. Obamacare at its core only functions smoothly inside narrow income bands. Make very little, and subsidies soften the blow, but if you’re someone who makes a great deal, the costs become inconvenient but still manageable. While everyone in between has the literal life squeezed out of them.
Then the whole issue of expiring subsidies exposes this design flaw of Obamacare completely. Democrats sold those tax credits as proof the system worked, but they were never a real long-term solution. Instead, they were simply a stabilizer, propping up a structure that cannot stand on its own. And make no mistake, once they disappear, the entire grand illusion goes with them.
NOW YOU KNOW
Obamacare doesn’t fail families. It prices them out.
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If you like your plan, you can keep your plan.
0bamacare is working exactly as intended.
.
It was designed by Obama, Pelosi and the Demoncrats and now they are freaking out because the Republicans are making them live by their own laws that they passed..................
I self insured at $82 a month. $100 deductible, with emergency hospitalization before O o o obama. From there to now, I am unable to self insure.
It works for this 72 year old Cancer survivin’ dude. It is awesome having govt cover my butt at this point, but I see how it hurts working men and women.
Thank you Uncle Sugar, but you are screwing my kids and grandkids, sisters and brothers over to cover me. Screwing over the working man to no end.
Medicare, Medicaid and Part B, covers me.
You wanna hear my Obamacare story. I had been furloughed in 2021 and signed up. Since I had no income, they threw me a lot of dough in subsidies. The company I worked for called me back in July 2022 and I went back on their insurance. To make a long story short, those bastards made me pay a $7,000 fine for getting six months of Obamacare at a lower rate. And to top it off, it was a high deductible plan and they didn’t pay for anything. So, at the end of the day, I was out $10,000 and got nothing but some Blue Cross cards for six months.
Sounds like the same boat I was in!............
Healthcare.gov suggests CHIP for the kids 18 and under.
Sure. What a lie!
My unmarried sister cannot afford to pay higher premiums, although she is working. So her deductible is $10,000! Almost a year’s income. The whole plan is nutty and people are damned if they become ill.
Here in 34275 (Sarasota County, FL)
You (age: 50)
Your spouse (age: 48)
Dependent 1 (age: 24)
Dependent 2 (age: 22)
Dependent 3 (age: 20)
Based on the income and household information you provided, your household may qualify for an estimated premium tax credit of:
$3,521 per month
This is an estimate.
Florida Blue (BlueCross BlueShield FL)
BlueSelect Bronze 2139 ($50 PCP Visits / Rewards)
Metal Level:
Bronze
Plan type:
EPO
Plan ID:
16842FL0120091
Rating
Quality Rating: 3 of 5 stars
Premium
$0.00/month
Including a $3,521 tax credit
was $3,066.47
Estimated total yearly cost
Add yearly cost
Deductible
$0
Family total
Health: $0
Drug: separate $2,100 per person
Extra deductible for some services
Out-of-pocket maximum
$19,800
Family total
You pay
Primary care
No charge per visit from day 1
Specialist care
$100 per visit from day 1
Urgent care
$100 per visit from day 1
Emergency room
$1500
Outpatient mental health
$75 per visit from day 1
Generic drugs
$30
I think I used $40K as the income.
“If you like your plan, you can keep your plan.”
In the old days, people would search out newer, cheaper plans, which they could get into if they were healthy.
The older plans would then increase in price.
..........”Medicare, Medicaid and Part B, covers me. “
Happy to hear that.
I’m 89, extremely healthy and have United Healthcare, Medicare. and Medicaid.
(I thought that Medicaid WAS Obamacare.)
Have been a really cheap date for insurance companies all my life. But two months ago,, I woke up, got out of bed and fell flat on my face on the floor. !!!!!!
Vertigo. BFD unless you’re the one who has it.
Ambulance took me to the best hospital in this part of the state, had gourmet food, a terrific Republican roommate, and attendants who would not let me out of bed until they were at my side. Several days there and transfer by ambulance to a really OK nursing home where the staff was terrific and the food reasonably OK. Physical Therapists were slave drivers, which I absolutely loved. Into the gym at least wice a day, plus walking up and down fouur flights of stairs with big sgtrong man at my side until I could do it alone. Worked my dainty ladylike @ss off and loved every minute of it
No bills from anyone.
But they may arrive as a New Year’s gift. Who knows? For all that, I wouldn’t mind paying some $$$$
And it will bring about the glorious government run single payer revolution. It was designed to completely destroy the system. And it is working. The system is dead. It is not a matter of time.
My Blue Cross plan before Obama was $120/month and a $250 deductible.
He lied and said they didn’t exist.
Whoa, whoa, whoa! They bent the cost curve down and made healthcare affordable when they passed Obamacare, didn’t they? I mean it says “Affordable” right in the name of the law, so it has to be true.
There are too many people qualifying for subsidies who probably should not have them...I am talking about folks with multiple cars and boat toys, i-phones and big screens.
Now they don’t want to pay for their insurance. They want us all to chip in.
Our healthcare is pretty close to the most expensive in the world. And its because we subsidize it. Just like college tuitions rising with guaranteed student loans...
I do not know what the answer is other than ending all government and going back to pre-zerocare practices and policies. And I do not see that as happening ever.
Once I retired in 2020, I had no insurance. I do, however, qualify to use the VA clinic, so I use that, and the rural health clinic in my area. I pay cash. So far I’ve been lucky. My biggest deal has been an ingrown toenail. I figure I’ve saved about $50,000 not being insured for 5.5 years, minus $950 for the toenail.
Prior to obamacare, my premium for a family of 4 was $300/month. After obamacare it was $3,000/month.
I dropped all health insurance and pay cash now. I recently had a surgery and worked out the financials with the doctor and hospital up front. Asked them what the cash price was and paid it. No problems. WAY cheaper than any health insurance out on the market today.
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