My Fourth Health Care Plan Just Died Thanks to Obamacare


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. It’s 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 government’s requirements.

Never mind our needs and desires as consumers who were quite satisfied with a high-deductible preferred provider organization 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 didn’t want in the first place that didn’t cover our kids’ dental care and wasn’t 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 don’t worry,” Bright Health’s 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 horse’s mouth.

“If you like your doctor,” President Barack Obama promised, “you will be able to keep your doctor. Period. If you like your health care plan, you’ll 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.

“What’s taking place is a market correction; the free market is at work,” says Colorado’s 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 isn’t a “market correction.” It’s 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, they’ll see rates jump between 20-40 percent.

Private, flexible preferred provider organizations 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 health maintenance organizations—is a bipartisan big government health bureaucracy’s 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 they’re still denying the Obamacare death spiral. Liberal Vox Media recently called the crisis “a lie.”

I don’t 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 don’t get their plans through group coverage, big companies, or government employers.

The costs, headaches, and disruption in our lives caused by Obamacare’s meddling meddlers are real and massive.

But we’re puzzles to corporate media journalists who’ve never had to meet a payroll and don’t even know what is the individual market.

We’re invisible to late night TV clowns who get their Obamacare-at-all-costs talking points from Sen. Chuck Schumer, D-N.Y.

We’re pariahs to social justice health care activists and Democrats who want us to just shut up and subsidize everyone else’s insurance.

And we’re 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.

We’re the canaries in the Obamacare coal mine. Ignore us at your peril, America. You’re next.

Reproduced with permission from The Daily Signal. The original article can be viewed here. 


Portrait of Michelle Malkin

Michelle Malkin is the senior editor of Conservative Review. She is a New York Times best-selling author and a FOX News Channel contributor.

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  • GodIsOneAndHisNameIsOne

    I’ve had a similar experience with Anthem BC/BS in NY. Prior to the ObamaCare Obamanation, I had a PPO plan. Afterwards, only HMO’s were available (the concept may be good, but the implementation is rotten to the core). And, like Michelle, each year I’ve had to select a new plan and at a higher cost.
    This coming year I hope to qualify for Medicare – we’ll have to see if, with a supplemental plan, it will save me money. My current monthly cost for an individual plan is over $500/month.

  • Austinniceguy

    This is just one of millions of examples of this occurring but the idiots from the left who thought it was supposed to be free are protesting because their welfare gravy train is running out of steam. I’ve seen friends have to choose between paying for healthcare and saving for college for their kids because of this P0S ACA. I have other friends whose coverage is so insufficient that they are paying out of pocket to make up for what they lost. Another friend has to travel EIGHTY-FOUR miles EACH way 3 times a week because the doctor for their special needs child who is 3 mile from their house was no longer included. “If you like your doctor you can keep your doctor” was one of the biggest lies EVER told to us!!!!

  • TPS12

    We are in CO also and had the same problems. This year I thought we were home free my wife was going on Medicare,( I was already on). Not so fast, between CO Connect for Health and the Insurance co. they had a one month mismatch on cancellation date so the INS co kept trying to get an extra months payment. Communication between CFH and any INS co never worked well for the four years in the plan. After getting a notice they were turning it over to a collection agency we were finally able to fix it today after 4 months of continued pain in the butt phone call after phone call. It’s finally over and we can move on now, people who are not on the aca have no idea how bad it is.

  • glock 19 fan

    If I remember correctly, BO wanted and intended for ACA to go broke so he could use that as an excuse to impose totalitarian control over all health care (except for government officials of course); I have noticed the Dems saying that there were 20 million new people on the insurance rolls while conveniently forgetting the 30 million who LOST their insurance due to Obamacare.

  • Clete Tacker

    The Unaffordable Care Act or Oliarcare is working EXACTLY as the socialist liberals that forced it upon us knew it would. It is a financial disaster designed to inflict as much monetary pain as possible on LEGAL America citizens that not only pay for their own insurance but also pay the inflated premiums and taxes that pay for other peoples insurance, and the socialist liberals want to accelerate the and cause even more shared pain by those paying the bills by extending “coverage” to ILLEGAL ALIENS. The complete collapse of the private insurance market was the goal of the globalist socialist liberals from the start for the purpose if a complete government takeover and a shift to an all controlling “single payer” system.