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ObamaCare’s Costs Are Spiraling Out Of Control

- October 19, 2016

As The November First Enrollment Period Approaches, Premium Increases And Deductibles Are Spiraling Out Of Control While Both Hillary Clinton And Millennials Run Away From The Failed Law

TOP TAKEAWAYS

  • Approved 2017 premium increases are upwards of 50 percent in Arizona, Minnesota, Oklahoma And Tennessee, while approved rates in many other states are in the double digits ranging roughly from 15-30 percent.
  • Deductibles have also skyrocketed making ObamaCare's out of pocket costs unaffordable for many.
  • On the heels of the recent spike in cost, Hillary Clinton has run away from ObamaCare.
  • Millennials have also been reluctant to sign up for the failed law due to soaring costs.

As Of October 18th, ObamaCare's 2017 Unsubsidized Premiums Are Expected To Rise By Roughly 25 Percent. (Jacquie Lee And Jayne O'Donnell, "Regulators Approve Higher Health Premiums To Strengthen Obamacare Insurers," USA Today , 10/18/16)

(Jacquie Lee And Jayne O'Donnell, "Regulators Approve Higher Health Premiums To Strengthen Obamacare Insurers," USA Today , 10/18/16)

"Significant Spikes In Premiums, Insurer Dropouts And Persistently Low Enrollment Numbers Are Combining To Make This Fall's Sign-Up Period A Crossroads For The Obama Administration's Signature Health Law." (Louise Radnofsky And Stephanie Armour, "U.S. Health Law Faces Critical Year," The Wall Street Journal, 9/7/16)

  • A Death Spiral Becomes More Likely As More Premiums Rise And Insurers Lose Money. "'Are we in an Obamacare 'death spiral?' health insurance consultant Robert Laszewski asked in a Sept. 9 bulletin to clients, where he described the grim scenario. In a death spiral, as options for coverage shrink, insurers attract increasingly sick patients and suffer losses. That forces them to raise rates, driving away healthy, profitable customers. Facing more losses, they raise rates again, causing more healthy people to leave, and so on -- until all that's left are high premiums and a small pool of the unwell." (Tatiana Darie, "Shaky Obamacare Market Adds To 'Death Spiral' Fears," Bloomberg, 9/23/16)

MOST CONSUMERS WILL FEEL PREMIUM INCREASES STARTING NOVEMBER FIRST BUT APPROVED STATE RATES HAVE REACHED UPWARDS OF 50 PERCENT INCREASES

It's Likely That Millions Of Americans Will Be Affected By Double Digit Premium Hikes. "The last thing Democrats want to contend with just a week before the 2016 presidential election is an outcry over double-digit insurance hikes as millions of Americans begin signing up for Obamacare. But that looks increasingly likely as health plans socked by Obamacare losses look to regain their financial footing by raising rates." (Paul Demko, "Obamacare's November Surprise," Politico, 5/2/16)

  • Premium Increases Could Substantially Impact As Many As 10 Million People Who Do Not Qualify For Government Subsidies. "The individual market, overhauled under the health law to require insurers to sell to everyone regardless of their health history, is made up of approximately 10 million people who get coverage from HealthCare.gov or a state equivalent, and another group who buy coverage on their own outside the system. People in the first group typically have federally funded subsidies pegged to the cost of coverage that can blunt the impact of premium increases, and stave off a rapid deterioration in enrollment. People who buy coverage on their own outside the site don't, and some estimates put their numbers as roughly similar to those who use HealthCare.gov. This latter group's participation in the market is as critical as people who get subsidies-if not more, because actuaries typically assume that wealthier people enjoy better health." (Louise Radnofsky And Stephanie Armour, "U.S. Health Law Faces Critical Year," The Wall Street Journal, 9/7/16)

High Premium Spikes Show The Enormity Of The Challenges Facing ObamaCare. "Finalized rates for big health insurance plans around the country show the magnitude of the challenge facing the Obama administration as it seeks to stabilize the insurance market under the Affordable Care Act in its remaining weeks in office." (Louise Radnofsky, "Rate Increases For Health Plans Pose Serious Test For Obama's Signature Law," The Wall Street Journal , 10/18/16)

  • A Senior Representative For Blue Cross Blue Shield Characterized The Situation As Serious. "But in all, the premiums offer the clearest portrait yet of health plans' assessment of the stability of the individual insurance market on the eve of the fourth, critical, sign-up window for the law. 'The situation is serious,' said Alissa Fox, senior vice president of the Office of Policy and Representation for the Blue Cross Blue Shield Association. 'The reason the premiums are where they are is that the people we are covering have serious conditions and they're using a lot of medical services because of their chronic illnesses. That's clear. And there's not enough young, healthy people to balance out those costs.'" (Louise Radnofsky, "Rate Increases For Health Plans Pose Serious Test For Obama's Signature Law," The Wall Street Journal , 10/18/16)

Arizona, Minnesota, Oklahoma, And Tennessee ObamaCare Premiums Will Increase By At Least 50 Percent In 2017

According To ACA Signups Charles Gaba, Arizona Regulators Have Approved Unsubsidized Premium Increases Averaging 57 Percent For 2017. (Charles Gaba, "Arizona: Approved *Unsubsidized* 2017 Indy Mkt Rate Hikes: 57%," ACA Signups, 10/17/16)

The Two Remaining Insurers Are Raising Rates 51 Percent And 74.5 Percent. "After months of health-insurer exits from the Affordable Care Act marketplace in Arizona, state regulators have approved plans from two companies that will be the only marketplace insurance providers next year. Blue Cross Blue Shield of Arizona will sell marketplace plans in every county except Maricopa County in 2017. The Phoenix-based insurer's average rates will increase 51 percent, Arizona Department of Insurance filings show. Maricopa County residents' only option will be Centene Corp., which said it will sell its 'Ambetter' plans. State regulators approved a 74.5 percent increase for Centene/Ambetter plans." (Ken Alltucker, "'Obamacare' In Arizona: 2 Remaining Insurers Hike Rates By 50-75 Percent," Arizona Republic , 10/19/16)

Minnesota's ObamaCare Exchange In On The Brink Of Collapse, Prompting Insurers To Drastically Increase Premiums In An Effort To Stay In Business. "Minnesota will let the health insurers in its Obamacare market raise rates by at least 50 percent next year, after the individual market there came to the brink of collapse, the state's commerce commissioner said Friday." (Katherine Doherty And Zachary Tracer, "Near 'Collapse,' Minnesota to Raise Obamacare Rates by Half," Bloomberg, 9/30/16)

  • "The Increases Range From 50 Percent To 67 Percent, Commissioner Mike Rothman's Office Said In A Statement." (Katherine Doherty And Zachary Tracer, "Near 'Collapse,' Minnesota to Raise Obamacare Rates by Half," Bloomberg, 9/30/16)
  • Approved Premium Increases Are Expected To Average Around 60 Percent For 2017. "On average, rates in the state will rise by about 60 percent, said Shane Delaney, a spokesman for MNSure, the state's marketplace for Obamacare plans. About 250,000 people, or 5 percent of the state's population, were covered under plans bought on the individual market, including plans bought on the Affordable Care Act markets as well as outside it." (Katherine Doherty And Zachary Tracer, "Near 'Collapse,' Minnesota to Raise Obamacare Rates by Half," Bloomberg, 9/30/16)
  • "The Rate Hike Follows Increases For This Year Of 14 Percent To 49 Percent." (Katherine Doherty And Zachary Tracer, "Near 'Collapse,' Minnesota to Raise Obamacare Rates by Half," Bloomberg, 9/30/16)

Oklahoma Is Expecting Approved Premium Increases Averaging 76 Percent For 2017. "Some of the lowest income people are struggling in states where many others who are eligible for minimal or no subsidies are also hard hit. A Department of Health and Human Services report in August found expanding Medicaid coverage to the poorest of the poor lowers marketplace premiums by 7%. Oklahoma and Tennessee - which have had a 76% and 56% increase respectively - did not expand Medicaid." (Jacquie Lee And Jayne O'Donnell, "Regulators Approve Higher Health Premiums To Strengthen Obamacare Insurers," USA Today , 10/18/16)

Alabama

State Regulators Approved Average Rate Hikes Of 36 Percent For 2017. "Blue Cross Blue Shield of Alabama will be the only health insurance carrier offering plans in the Alabama exchange in 2017, but they already insure the majority of the state's exchange enrollees. Their rates will increase an average of 36 percent in 2017, but subsidies will offset that for the vast majority of Alabama's exchange enrollees. (Louise Norris, "Alabama Health Insurance Exchange / Marketplace," Health Insurance, 10/15/16)

Delaware

Blue Cross Blue Shield Of Delaware Has Been Approved For An Average Increase of 32.5 Percent For The 2017 Individual Market. "Insurance Commissioner Karen Weldin Stewart today released Delaware's Qualified Health Plan average rates for Plan Year 2017. The Commissioner recommended approval of a 32.5 % average rate increase in the individual market for Highmark Blue Cross Blue Shield of Delaware. The approved average rate increase for the small group market for Highmark's plans is 2.74%. Aetna Life Insurance Company received an average of 22.8 % increase in the individual market and Aetna Health Insurance Company received an average increase of 23.6 %. In the small group market, Aetna Life received an average increase of 15.2 % and Aetna Health received an average increase of 19.7 %." ("Delaware Insurance Department Releases 2017 Health Insurance Rates For ACA Marketplace Plans," Delaware's Department Of Insurance , 10/6/16)

Georgia

Humana Is Expecting A 67% Increase In Georgia Next Year. "Twenty-seven percent of individual market shoppers in Georgia are covered by Humana plans. The company has been approved to hike rates an average of 67 percent next year." (Paige Cunningham, "Four states with massive Obamacare hikes," The Washington Examiner, 8/29/16)

Illinois

Premium Increases Submitted For Next Year Range From 43 To 55 Percent Depending On The ObamaCare Plan. "The state Department of Insurance recently submitted to the federal government rate increases ranging from averages of 43 to 55 percent for some types of plans that will be offered on the exchange next year. The federal Centers for Medicare & Medicaid Services will finalize those rates." (Lisa Schnecker, "Harken To Exit Illinois Obamacare Exchange," Chicago Tribune, 9/29/16)

Some Proposed Premium Increases Are Up To 55 Percent In Illinois. "The Illinois Department of Insurance said Wednesday it has submitted rate increases to the federal government that for some types of plans average 43 percent to 55 percent." (Lisa Schencker, "Illinois Obamacare Rates Could Soar As State Submits Insurance Premium Increases To Feds," Chicago Tribune, 8/25/16)

Iowa

Iowa's Four Carriers Offering ObamaCare Exchange Policies Received Rate Hike Approvals Of 22.58 Percent For Aetna, 19.8 Percent For United Health, 19 Percent For Medica And 42.6 Percent For Wellmark. "Four carriers will offer on-exchange plans in Iowa in 2017. According to the Iowa Insurance Division, the following average rate increases have been approved: Aetna (formerly Coventry): 22.58 percent; Aetna has roughly 42,000 policyholders in Iowa Gunderson (merging with Unity Health Insurance): 19.8 percent; Gunderson has 88 policyholders Medica: 19 percent; Medica has 1,367 current policyholders Wellmark (new to the exchange): Average rate increase is 42.6 percent, and 37.8 percent for HMOs. There are currently about 7,700 policyholders with Wellmark's HMOs, and about 21,900 policyholders who have plans for which the average 42.6 percent rate increase will apply. All of them have off-exchange plans in 2016, but will be able to transition to Wellmark's on-exchange plans in 2017 if they so choose." (Louise Norris, "Iowa Health Insurance Exchange / Marketplace," Health Insurance, 9/2/16)

New York

2017 Premiums On Individual Plans In New York Will Increase On Average By 16.6 Percent. "In a statement on Friday announcing 2017 premiums, NY's Department of Financial Services (DFS) said after weighing insurer requests, the state settled on an average hike of 16.6 percent for individual exchange users in the state, while small group users will see a lower average increase of over 8 percent." (Javier E. David, "Obamacare Users In New York Brace For Double-Digit 2017 Premium Hikes," CNBC, 8/6/16)

North Carolina

"Blue Cross And Blue Shield Of North Carolina Customers Purchasing ACA Plans On The Individual Market Will See An Average Increase Of 24.3 Percent In Their Premiums For 2017, Compared To This Year's Rates." ( Brian Tajlili, "What Our 2017 ACA Rates Mean For You," Blue Cross Blue Shield Of North Carolina, 10/14/16)

Pennsylvania

Pennsylvania Individual Premiums Are Set To Increase 33 Percent In 2017 . "Pennsylvania regulators approved individual plan rate increases Monday of 33%, which is eight points higher than requested. Two insurers - Keystone Health Plan and Geisinger Quality Option - will also no longer offer plans on the ACA exchange for the state. 'These rate increases make it clear that Washington needs to move swiftly to address consumer needs under the Affordable Care Act,' Pennsylvania insurance commissioner Teresa Miller said in a statement." (Jacquie Lee And Jayne O'Donnell, "Regulators Approve Higher Health Premiums To Strengthen Obamacare Insurers," USA Today , 10/18/16)

Utah

The Weighted Average Premium Increase For ObamaCare Insurers In Utah For 2017 Will Be 31.1 Percent. "So for the three carriers that will offer individual plans in the exchange in Utah in 2017, the weighted average approved rate increase-across on and off-exchange enrollment-is 31.1 percent." (Louise Norris, "Utah Health Insurance Exchange / Marketplace," Health Insurance, 10/13/16)

FOR MANY CONSUMERS, INCREASING PREMIUMS HAVE BEEN FOLLOWED BY OUT OF CONTROL DEDUCTIBLES MAKING MANY FEEL AS IF THEY ARE UNINSURED

High Deductibles Are Making Many Feel As If They Are Uninsured. "This is crazy, she wanted to scream. She has insurance, but it comes with a $6,000 family deductible - $2,000 for each of them - that she must pay before her policy typically pays a dime. Last year, she was uninsured. This year feels exactly the same. Walla is one of the millions caught in the reshuffling of the who-pays-what calculation within the U.S. insurance industry, especially in employer-sponsored group plans used by the vast majority of Americans." (Jenny Deam, "A Shift In Coverage Has Even The Insured Skipping Medical Care," Houston Chronical, 10/1/16)

  • Nathan Nascimenton Of Freedom Partners Chamber Of Commerce: Out Of Pocket Costs Such As Expensive Deductibles Are Making ObamaCare Unusable For Many. "While premiums are what it costs to have insurance, deductibles are what it costs to use it. Especially for low- and middle-income families, these out-of-pocket costs are placing affordable health care further out of reach. My organization recently completed a new analysis of deductibles across the country, including Alabama. Relying on data from the Robert Wood Johnson Foundation and the federal agency overseeing the Affordable Care Act, we calculated weighted average deductibles by enrollment across gold, silver, and bronze plans. Here's the short version: It's not good."(Nathan Nascimenton, "Alabama Health Insurance Deductibles Are Going Up," AL.com, 3/11/16)
  • Executive Director Of National Nurses United And Sander's Supporter Roseann Demoro: ObamaCare's Skyrocketing Costs For Causing Bankruptcies, Home Foreclosures And Scaring Main Street Americans. EXECUTIVE DIRECTOR OF NATIONAL NURSES UNITED ROSEANN DEMORO: "I mean people are scared out there. They are losing their homes the loss of jobs could mean the loss of healthcare. Having to care for your patients - the nurses are just in tears constantly because patients are cutting their medications the patients aren't getting the healthcare they need they are afraid to go to the doctor because they make choices between what they can afford in their lives and they shouldn't be forced to put their health basically against their houses and I mean ultimately bankruptcies are caused by healthcare costs. And there so much. So this is just its common sense and human decency to make sure that everyone has the care that they need." (Roseann DeMoro, Democratic National Convention Platform Hearing, 06/17/16)

A Federal Reserve Study Showed That Roughly 46 Percent Of Americans Could Not Afford A $400 Medical Emergency Expense In 2015. "The Federal Reserve surveyed more than 5,000 people to determine whether their personal situations were improving along with the economy. The results, released Wednesday afternoon, found that though households showed 'mild improvement' overall, their perspective depended on their income, race and education. Take this one telling statistic: About 46 percent of Americans said they did not have enough money to cover a $400 emergency expense. Instead, they would have to put it on a credit card and pay it off over time, borrow from friends or family, or simply not cover it at all." (Ylan Q. Mui, "The Shocking Number Of Americans Who Can't Cover A $400 Expense," The Washington Post , 05/25/16)

  • Roughly 66 Percent Of Americans Making $40,000 Or Less Can Not Afford A Medical Emergency Expense. "Not surprisingly, those with higher incomes were better equipped to handle an emergency. About 81 percent of people making more than $100,000 a year reported they would be able to cover the bill, compared with 34 percent of those earning less than $40,000." (Ylan Q. Mui, "The Shocking Number Of Americans Who Can't Cover A $400 Expense," The Washington Post , 05/25/16)

Another Survey Showed That Nearly One In Three Texans Avoided Medical Care Due To Costs. "It gives voice to a survey his company commissioned in July asking 500 Texans about their health care habits. Nearly 1 in 3 with insurance said they had delayed or skipped a medical treatment or doctor visit in the past two years. Of those with high-deductible plans, the number neared 1 in 2. 'My reaction was, wow, we're in a lot of trouble in this country,' he said. His study also found that more than a third of people, both with and without insurance, admitted significant financial problems because of medical bills. That rose to 42 percent among those with high-deductible plans." (Jenny Dream, "A Shift In Coverage Has Even The Insured Skipping Medical Care," Houston Chronicle, 10/1/16)

Since The Inception Of ObamaCare, Deductibles Have Steadily Increased With Some 2016 Cost Spikes Averaging More Than $1,000

"In The Past Five Years Alone, Deductibles Have Risen 10 Times Faster Than Inflation And Nearly Six Times Faster Than Paychecks." (Jenny Deam, "A Shift In Coverage Has Even The Insured Skipping Medical Care, Houston Chronicle, 10/1/16)

In A Span Of Ten Years, Americans Enrolled In High Deductible Plans Went From 1 Million To 19 Million. "In 2005, about 1 million people in this country had high-deductible plans coupled with a pretax health-savings account. By early 2015, that number had shot up to 19 million, according to figures from American's Health Insurance Plans, the insurance industry national trade association." (Jenny Deam, "A Shift In Coverage Has Even The Insured Skipping Medical Care, Houston Chronicle, 10/1/16)

The Average Deductible Of The Most Common ObamaCare Plan Is $3,000 While The Average Out Of Pocket Expense For A Hospital Stay Can Exceed $4,000. "The problem here is that many of the Obamacare plans have high deductibles and co-pays, which makes them unaffordable for many consumers without subsidies. The average deductible for the most common Obamacare plan is over $3,000. Average out-of-pocket expenses for a hospital stay can top $4,000. Realistically, the plans that are working look more like that hated three-letter acronym, HMO." (Times-Union Editorial Board, "Obamacare Is A Failing Insurance Product," Florida Times-Union, 9/20/16)

  • Today, The Average Deductible For Individual Plans Is $1,478 . "Not only has the number of plans with deductibles grown, so, too, has the amount patients must come up with before coverage kicks in. Today, the average deductible in individual plans that have one is $1,478." (Jenny Deam, "A Shift In Coverage Has Even The Insured Skipping Medical Care, Houston Chronicle, 10/1/16)

In 2016, 41 States Saw Deductible Increases With 17 States Experiencing Double Digit Increases. "These increases were deep and widespread. In total, 41 states saw average deductibles increase, with 17 states - representing 45 percent of total exchange enrollment - seeing double-digit spikes. The largest increases were in Mississippi (39 percent), Washington (31 percent), South Carolina (26 percent), Louisiana (24 percent), Florida (23 percent), Michigan and Vermont (22 percent), Arizona (21 percent), and North Carolina and Rhode Island (20 percent)." (Nathan Nascimento, "The Latest Problem Under The Affordable Care Act: Deductibles," The National Review, 04/12/16)

2016 Mississippi ObamaCare Deductibles Increased An Average Of $1395. ("2016 Obamacare Deductible Increase Tracker," Freedom Partners, 03/02/16)

2016 Florida ObamaCare Deductibles Increased An Average Of $990. ("2016 Obamacare Deductible Increase Tracker," Freedom Partners, 03/02/16)

2016 Washington ObamaCare Deductibles Increased An Average Of $809. ("2016 Obamacare Deductible Increase Tracker," Freedom Partners, 03/02/16)

2016 South Carolina ObamaCare Deductibles Increased An Average Of $735. ("2016 Obamacare Deductible Increase Tracker," Freedom Partners, 03/02/16)

2016 Louisiana ObamaCare Deductibles Increased An Average Of $673. ("2016 Obamacare Deductible Increase Tracker," Freedom Partners, 03/02/16)

2016 Arizona ObamaCare Deductibles Increased An Average Of $664. ("2016 Obamacare Deductible Increase Tracker," Freedom Partners, 03/02/16)

2016 North Carolina ObamaCare Deductibles Increased An Average Of $602. ("2016 Obamacare Deductible Increase Tracker," Freedom Partners, 03/02/16)

2016 Nebraska ObamaCare Deductibles Increased An Average Of $539. ("2016 Obamacare Deductible Increase Tracker," Freedom Partners, 03/02/16)

2016 Michigan ObamaCare Deductibles Increased An Average Of $492. ("2016 Obamacare Deductible Increase Tracker," Freedom Partners, 03/02/16)

2016 Wisconsin ObamaCare Deductibles Increased An Average Of $477. ("2016 Obamacare Deductible Increase Tracker," Freedom Partners, 03/02/16)

2016 Rhode Island ObamaCare Deductibles Increased An Average Of $470. ("2016 Obamacare Deductible Increase Tracker," Freedom Partners, 03/02/16)

2016 Idaho ObamaCare Deductibles Increased An Average Of $436. ("2016 Obamacare Deductible Increase Tracker," Freedom Partners, 03/02/16)

2016 Vermont ObamaCare Deductibles Increased An Average Of $379. ("2016 Obamacare Deductible Increase Tracker," Freedom Partners, 03/02/16)

2016 Ohio ObamaCare Deductibles Increased An Average Of $379. ("2016 Obamacare Deductible Increase Tracker," Freedom Partners, 03/02/16)

2016 California ObamaCare Deductibles Increased An Average Of $362. ("2016 Obamacare Deductible Increase Tracker," Freedom Partners, 03/02/16)

2016 Indiana ObamaCare Deductibles Increased An Average Of $355. ("2016 Obamacare Deductible Increase Tracker," Freedom Partners, 03/02/16)

2016 New Hampshire ObamaCare Deductibles Increased An Average Of $345. ("2016 Obamacare Deductible Increase Tracker," Freedom Partners, 03/02/16)

2016 North Dakota ObamaCare Deductibles Increased An Average Of $325. ("2016 Obamacare Deductible Increase Tracker," Freedom Partners, 03/02/16)

2016 Minnesota ObamaCare Deductibles Increased An Average Of $317. ("2016 Obamacare Deductible Increase Tracker," Freedom Partners, 03/02/16)

2016 Kansas ObamaCare Deductibles Increased An Average Of $305. ("2016 Obamacare Deductible Increase Tracker," Freedom Partners, 03/02/16)

AS OBAMACARE COSTS HAVE SPIRALLED OUT OF CONTROL, THE MILLENIALS NEEDED TO SAVE THE LAW ARE RUNNING AWAY

Many See Millennials As A Solution For ObamaCare's Problems But Millennials Feel No Urgency To Sign Up For The Law. "The success of the Obamacare markets overall may very well hinge on whether these new strategies overcome millennials' concerns about affordability and the lingering toxicity of Obamacare politics in states with the highest uninsured rates. A trio of high-profile national insurers have significantly scaled back their Obamacare markets for 2017 because of big losses, as have some regional health plans across the country. An August analysis by the Kaiser Family Foundation, a nonpartisan research organization, found that 1 in 5 Obamacare customers might have only one insurer selling plans in their area for 2017. Many are posting big premium increases. Many regard young people as the antidote to the turbulence since they are generally healthier and lower-cost - but that's also why many millennials feel no urgency to sign up." (Rachana Pradhan And Paul Demko, "Obamacare's Millennial Problem," Politico, 10/4/16)

  • ObamaCare Advocates Are Banking On Milleniels Signing Up For The Law To Balance Risk And Reduce Costs. "Young adults continue to have the highest rates of uninsurance, despite having seen the biggest gains in coverage rates under the Affordable Care Act. That fact is worrisome to Obamacare advocates, as well as to insurers, since the premiums paid by healthier young adults enrolled in individual market health plans can offset the benefit costs incurred from covering older, less healthy customers. A number of Obamacare insurers this year have cited an imbalanced risk pool - one in which they pay out more money in benefits than they take in from premiums - as a reason they need double-digit premium hikes, or why they are exiting Obamacare marketplaces." (Dan Mangan, "Selling Obamacare: Millennials Get Pitch On Twitch For Health Insurance Sign-Ups," CNBC, 9/27/16)

As Obama Prepares To Step Up Outreach, Data Shows That Previous Efforts Had Little To No Effect On Young People Signing Up For ObamaCare. "The Obama administration is announcing new steps to increase ObamaCare outreach to young adults as it seeks to improve the stability of the healthcare law by bringing in more youthful, generally healthy participants. Amid concerns from insurers about financial losses due to a sicker-than-expected pool of enrollees, the administration is stepping up its efforts ahead of the signup period for next year, which begins Nov. 1. Last year, outreach did not increase the share of young people enrolled. Between 2015 and 2016, the percentage of enrollees aged 18 to 34 remained flat, at 28 percent, according to administration data." (Peter Sullivan, "White House Makes New Push For Young ObamaCare Signups," The Hill, 9/27/16)

High Costs Are Causing Young People To Avoid ObamaCare. " 'They're young, they don't get sick very often, and they just think, that's just an added expense that [they] don't want to have right now,' said Sonia White, who oversees Obamacare enrollment efforts at the Community Council of Greater Dallas. 'They've always been kind of a tough audience.' For the law's first three open enrollment periods, young adults accounted for 28 percent of sign-ups nationwide, according to administration data. 'They're not enrolling in the numbers we'd like them to,' said Karen Basha Egozi of the Epilepsy Foundation of Florida, a nonprofit that received a $1.8 million federal grant this year to enroll people into Obamacare plans. 'Affordability is an issue for all age groups, but particularly for the young people.'" (Rachana Pradhan And Paul Demko, "Obamacare's Millennial Problem," Politico , 10/4/16)

  • Politico Headline: "Obamacare's Millennial Problem." (Rachana Pradhan And Paul Demko, "Obamacare's Millennial Problem," Politico, 10/4/16)
  • 18-34 Year Olds Not Signing Up For ObamaCare Could Doom The Law To Failure. "The 18- to 34-year-olds who helped elect Barack Obama could consign his signature domestic policy achievement to failure. That's because not enough millennials have signed up for Obamacare to make it work well." (Rachana Pradhan And Paul Demko, "Obamacare's Millennial Problem," Politico, 10/4/16)
  • Millennials Only Make Up Less Than 30 Percent Of ObamaCare Customers, Lower Than The Original 40 Percent Projected By The Administration. "Despite repeated outreach - including entreaties from all manner of celebrities, including NBA stars and Obama himself - young people make up less than 30 percent of Obamacare customers. The White House had set a goal of 40 percent in that age bracket to sustain a healthy marketplace because millennials tend to be healthier and, therefore, balance the costs of sicker, older customers." (Rachana Pradhan And Paul Demko, "Obamacare's Millennial Problem," Politico, 10/4/16)
  • "The Danger For Insurers And Supporters Of The Law Now Is That High Prices And Limited Choices Further Deter Low-Risk People From Signing Up, And That The Increases Continue And Become Irreversible." (Louise Radnofsky, "Rate Increases For Health Plans Pose Serious Test For Obama's Signature Law," The Wall Street Journal , 10/18/16)

EVEN HILLARY CLINTON IS GIVING UP ON OBAMACARE

Since Starting Her General Election Campaign, Hillary Clinton Has Largely Avoided Talking About ObamaCare. "A look at transcripts of Clinton stump speeches since she kicked off the general election campaign on Labor Day finds the Democratic candidate almost never talks about Obamacare. She doesn't promise to expand it. She doesn't promise to protect it. She doesn't extol its benefits. She just doesn't mention it." (Byron York, "Hillary Clinton Goes Silent ON ObamaCare," Washington Examiner, 10/2/16)

While Her Website Outlines How She Wants To Defend And Expand The Law, Hillary Clinton Campaigns As If The Law Doesn't Exist. "On her website, Clinton proposes to "defend and expand the Affordable Care Act." She promises a public option, as well as a version of Medicare for all. But she hasn't been saying that on the stump in the general election campaign. Instead, when Clinton speaks of healthcare, she speaks of making it affordable, as if there were not already a massive, coercive and far-reaching law called the Affordable Care Act. It's as if Obamacare never happened." (Byron York, "Hillary Clinton Goes Silent ON ObamaCare," Washington Examiner, 10/2/16)

In Numerous Speeches, Hillary Clinton Has Mentioned Healthcare But Not ObamaCare. "Clinton gave two speeches on Sept. 5, her Labor Day campaign kickoff. In the first, in Cleveland, she touted her role in "the fight for health reforms." She didn't mean Obamacare. Instead, she was talking about her work as first lady in the 1990s. 'I've spent my life fighting for kids and families,' Clinton said. 'During the fight for health reforms, some of you remember, powerful interests blocked our way, but I didn't give up. I turned around. I worked with Republicans and Democrats to help pass the Children's Health Insurance Program that covers eight million kids today.' (CHIP was passed in 1997.) Later, in Hampton, Ill., Clinton said much the same thing, touting her role in passing CHIP but saying nothing about Obamacare. The next day, Sept. 6, Clinton spoke in Tampa, Fla. Again, she said nothing about the Affordable Care Act. She did, however, repeat a line she sometimes uses - that she wants to create 'a healthcare system that works' - which could be interpreted as saying she doesn't think the present system, built by Obama and Democrats in Congress, is working. On Sept. 8, Clinton traveled to Kansas City, Mo., to speak to the National Baptist Convention. She said nothing about Obamacare. On the same day, Clinton spoke at the historically black Johnson C. Smith University in Charlotte, N.C. She pledged to 'defend quality affordable healthcare for everybody, but we're going to get the cost down.'" (Byron York, "Hillary Clinton Goes Silent ON ObamaCare," Washington Examiner, 10/2/16)

"One Month. Sixteen Speeches. And Exactly One Mention Of The Affordable Care Act - And That Was Because President Obama Was In The Room Listening." (Byron York, "Hillary Clinton Goes Silent ON ObamaCare," Washington Examiner, 10/2/16)


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