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Why Obamacare Will Motivate Millions Of Americans To Make Less Money And Get Divorced

No Obamacare Why Obamacare Will Motivate Millions Of Americans To Make Less Money And Get Divorced

Did you know that Obamacare contains huge incentives that will actually motivate people to try to reduce their incomes?  It’s true.  Under Obamacare, making less money can pay off big time.  As you will see below, reducing your income by just $1,000 could get you an Obamacare subsidy worth over $14,000.  Who wouldn’t want to make that trade?  And guess what?  Obamacare also makes divorce highly profitable for millions of American couples.  In fact, there are some U.S. couples that are already considering divorce due to the provisions contained in the new health care law.  Of course those couples still plan to live together – they just want to get divorced so that they can save thousands of dollars on their health care expenses.  Yes, I know that sounds absolutely crazy.  But this is actually happening.  The truth is that Obamacare is turning out to be a much larger disaster than anyone anticipated, and it seems like new “surprises” just keep popping up with each passing day.

The figures that you are about to see were calculated using the Kaiser Family Foundation subsidy calculator.  These numbers apply to a husband and a wife that are both 62 years old.

A non-smoking, married couple living in San Francisco, California earning $63,000 a year will have to pay $20,318 a year for a silver plan under Obamacare and $12,647 a year for a bronze plan.

At $63,000, that couple would be making too much money to be eligible for a subsidy, so that couple will have to pay the total cost of whatever plan they choose by themselves.

But if that couple only made $62,000 a year, things would dramatically change.

The plans would still cost the same, but the couple would now be eligible for an Obamacare subsidy of $14,428.

So a silver plan would end up costing them only $5,890, and they would ultimately pay nothing for a bronze plan.

In other words, by reducing their income by $1,000, that couple would save $14,428 if they got a silver plan or they would save $12,647 if they got a bronze plan.

Isn’t that bizarre?

And as I mentioned above, Obamacare also contains a huge incentive to get divorced.  In fact, according to a recent Breitbart article some couples are already considering doing this…

Nona Willis-Aronoqitz, 29, and Aaron Cassara, 32, are full-time freelancers and earn more than $62,000 a year, which means they do not qualify for the subsidies under Obamacare. The couple realized, however, they would be able to afford the plans if they divorce.

Not only that, two single people living together can actually make far more than $62,000 a year and still be eligible for large Obamacare subsidies.  This was explained in a recent article posted on the website of The Atlantic

Any married couple that earns more than 400 percent of the federal poverty level—that is $62,040—for a family of two earns too much for subsidies under Obamacare. “If you’re over 400 percent of poverty, you’re never eligible for premium” support, explains Gary Claxton, director of the Health Care Marketplace Project at the Kaiser Family Foundation.

But if that same couple lived together unmarried, they could earn up to $45,960 each—$91,920 total—and still be eligible for subsidies through the exchanges in New York state, where insurance is comparatively expensive and the state exchange was set up in such a way as to not provide lower rates for younger people.

So Obamacare is going to motivate millions of Americans to make less money and get divorced.

What a wonderful law.

Meanwhile, millions of Americans are having their existing health care policies taken away from them even though Obama repeatedly promised us that this would never happen

According to one analysis, 52 million Americans could lose their current health plans by the time this is all over…

Yet advisers did say in 2010 that there were large caveats and that anyone whose insurance plan changed would lose the promised protection of being able to keep existing plans. And a report in 2010 said that as many as 69 percent of certain employer-based insurance plans would lose that protection, meaning as many as 41 million people could lose their plans even if they wanted to keep them and would be forced into other plans. Another 11 million who bought their own insurance also could lose their plans. Combined, as many as 52 million Americans could lose or have lost old insurance plans.

Another analysis conducted by Forbes projects that 93 million Americans will ultimately lose their health insurance policies.

In any event, hopefully everyone can agree that this is a complete and total nightmare.

And as Americans are losing their current health insurance policies, they are being told that their new policies will be much more expensive.

For example, it is being estimated that health insurance premiums for healthy 30-year-old men will rise by an average of 260 percent.

Ouch.

But some families are being hit much harder than that.

In a previous article, I discussed a letter that one Texas couple received in which they were informed that they were being hit with a 539 percent rate increase…

Obamacare is named the “Affordable Care Act,” after all, and the President promised the rates would be “as low as a phone bill.” But I just received a confirmed letter from a friend in Texas showing a 539% rate increase on an existing policy that’s been in good standing for years.

As the letter reveals (see below), the cost for this couple’s policy under Humana is increasing from $212.10 per month to $1,356.60 per month. This is for a couple in good health whose combined income is less than $70K — a middle-class family, in other words.

Could you afford that kind of an increase?

All of these problems are even causing large numbers of Obama supporters to turn on Obamacare…

Obama supporters on the West Coast are experiencing similar surprises. In San Francisco, husband and wife Lee Hammack and JoEllen Brothers, who describe themselves as “cradle Democrats,” were alarmed when they received their insurance cancelation notice informing them that their previous $550 monthly premium would now be almost $1,300, their deductible would be higher, they would pay higher hospital costs, and their out-of-pocket maximum would increase.

And of course the technical problems that are plaguing the Obamacare health insurance exchanges continue.

For instance, Oregon’s health care exchange has not enrolled a single person yet.

In North Carolina, we find a similar situation

In fact, only one person was able to successfully use Healthcare.gov to enroll in the new exchange.

But even that single person has not paid, which means the enrollment is not complete.

In Washington D.C., things are much better.  Five people in D.C. have been able to successfully enroll in Obamacare at this point.

Down in Florida, one man spent an entire month unsuccessfully trying to navigate Healthcare.gov…

Since Oct. 2, Miami resident Nick Athanassiadis has spent several hours a day—nearly every day—on the Internet repeatedly trying to create an account on the federal Obamacare marketplace to see if insurance plans being sold there might be less expensive than his current coverage.

But despite having a long background in digital and software companies, Athanassiadis was repeatedly thwarted by a head-spinning series of glitches, system outages, blank screens, error messages, broken or nonexistent Web links and other hurdles on the HealthCare.gov site that kept his goal out of reach for weeks.

And even when he finally—finally—reached that goal, he didn’t like what he saw.

This has got to be the most disastrous launch of a major national law in U.S. history.

So what do you think about Obamacare so far?  Please feel free to share your opinion by posting a comment below…

About the author: Michael T. Snyder is a former Washington D.C. attorney who now publishes The Truth. His new thriller entitled “The Beginning Of The End” is now available on Amazon.com.

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  • K

    OK more people will get divorced. Divorced people tend to have fewer children, less time off from work. Sounds good for big business. People will be trying to be paid less. Sounds good for big business. People will be forced to buy from a private company something they do not want. Sounds good for big insurance business. So it would seem Obamacare and all the side effects it causes, profits big business. Like most laws they pass anymore, rob from the poor and give to the rich. Gee you might almost think, that was the plan all along.

    • MichaelfromTheEconomicCollapse

      The big insurance companies are definitely going to do very well under Obamacare.

      Michael

      • Hammerstrike

        It gives them a monopoly.

      • Goldfinger

        Actually if only people with pre-existing conditions sign up the insurance companies lose big time. They helped Barry to write this monstrosity, so burn, baby, burn!

  • Paul

    The American people wanted this Commie, Muslim, Kenyan,community organizer know nothing, Obamination. Now they can enjoy him. This is only the beginning. The “best” is yet to come. LOL

    • seth datta

      Freemasons are the controlling element in society that has resulted in its subversion to bankers and corporate interests. They ARE THE ENEMY.

  • DJohn1

    Why is anyone surprised that the “godless” party would be against marriage?
    Or that they support abortion?
    Now which “godless” party am I really talking about?
    How about a candidate that made his money by laying people off and destroying companies where they worked?
    Or a guy that spent time in a POW camp in a godless country that could be suffering from that experience?
    Or a person with a white mother and a black father from Kenya? Possibly with a forged ‘Birth Certificate” if a certain sheriff is correct? A person that has told a lot less than the truth and it is obviously so if the internet is anywhere near the truth?

    Gee, I see a multiple party problem with finding an eligible candidate without a lot of freight?
    So we are talking about which party has made more deals with the Devil for financial gain? Which party has made more deals?
    There is no financial gain any more for being honest and married?
    Personally, I think both parties are in desperate need of being cleaned up and the corrupt parties either quietly retired or put in jail. If they go to jail, do they still collect those fantastic benefit packages when they get out or while in jail?
    The problem with Obamacare is that the insurance companies do not like to be told what to do. So the party bought and sold by them goes after it. It is interesting how many lawyers have gotten on the bandwagon. How many Republicans have gotten on board as well.
    The problem with Obamacare is the agency that was put in charge of administering it. You are looking at regulation after regulation that makes it so complicated that it is going to be impossible to enforce because the laws contradict each other. Something that agency is infamous for.
    I say anything that complicated and that contradictory has to be discriminatory. Anything that discriminatory legally is unconstitutional.
    So while we discuss bought and paid for law, perhaps we should take a real good look at the top court in this country and why they have not declared the entire thing unconstitutional. (Sort of like: when did you quit beating your wife questions) If it is declared a tax and it was, why hasn’t it been declared unconstitutional? It was not voted in as a tax . . .

  • Chey Barnes

    Because the Obama Care website barely limps along but isn’t 100% impossible to navigate, only the sickest people will make application fully to the end. The healthier specimens will not bother and just stick with the insurance they currently have. This increases premiums across the board for all applicants.

  • seth datta

    Its not a disaster as far as TPTB are concerned as its doing exactly what its designed to do. its about control, killing the old and infirm, killing the sickly, destroying marriage and the family unit… the list goes on. Making a sheeple-like populace in the end who are easier to control.

  • Jason7189

    I’m convinced, Obama is at least the predecessor to the antichrist. Now he’s hurting the institution of Marriage, which was given to us from God. Either America elected the most incompetent person for President or he’s playing possum and is intentionally trying to destroy this Country socially, economically and politically……I’m going with the latter.

  • punkin96

    Social Security is not an entitlement. I paid for it for over 55 years.

  • badamant

    Wow. You guys really don’t like facts. Fact: we in the USA pay double the amount per person for healthcare than the next country on the list. We are 17th to 37th in healthcare quality and outcomes. We are not getting what we pay for. Obamacare is an attempt to solve this terrible problem. BTW I am going to get much better coverage and pay half as much under the new plan. I could be you. Think about it.

  • screwed pooch

    just so you know that is total bs- I just tried to sign up for obamacare and am getting totally screwed BECAUSE i am divorced, its tied to your child tax credits so I had to give them to the wife so she and the kids could get affordable care, leaving me with NO SUBSIDIES even though i make substantially less than the 45000$ cutoff- I now have a wide range of plans to choose from that i cant afford!!! and such high deductibles that even if i manage to get the insurance I would not have enough $ to use it.

    • screwed pooch

      and we didn’t give up easy i spent hours on the phone and chat with them and none of them can explain why i dont qualify – the only help i got was to have me do my application over 3 times and then a “Im sorry your having trouble” and that was pretty much the extent of their help – i backed this law I didnt realize I was going to be excluded