Hat Tip: BB
Back on August 3rd, 2013 I wrote a piece exposing what I stated then will soon happen to millions of Americans if we do not support the Tea Party and Republican lead effort to defund Obamacare. In that piece, I stated when President Obama promised – “If you like your plan, you can keep your plan and no one will take it away from you, period” he was not telling the truth. Watch President Obama make this false promise below:
Below I will link to some real world examples of what is beginning to happen because the Obamacare “Health Insurance Exchange Marketplaces” opened on 10/1/13 and were funded (once again) by Republicans in the most recent Continuing Resolution on the evening of October 16, 2013.
Below I will link actual policy termination letters from four of my existing clients who hold individual health insurance policies from Blue Cross Blue Shield of Illinois. The last names and policy numbers have been redacted in order to protect the privacy of these clients per 1996 HIPAA law.
- Click here to download Stephen’s Obamacare termination letter.
- Click here to download Robert’s Obamacare termination letter.
- Click here to download Kathleen’s Obamacare termination letter.
- Click here to download Michael’s Obamacare termination letter.
Please also note that in every case, the PPACA compliant ‘replacement plans’ offered to these clients are priced higher and in most cases much higher than what they are paying now. However, they’re not just priced higher, they expose these clients to a much higher out of pocket risk each year. Up to $12,700 for a couple and a family. Below are the outlines of coverage for each PPACA compliant alternative plan offered to these clients:
- The Blue PPO Bronze 005. Click here to view the outline of coverage.
- The Blue Bronze PPO 006. Click here to view the outline of coverage.
- The Blue Choice Silver PPO 003. Click here to view the outline of coverage.
- The Blue Choice Bronze PPO 005.Click here to view the outline of coverage.
- The Blue Choice Bronze PPO 006. Click here to view the outline of coverage.
Notice the out of pocket costs with each of those plans? Every one of them has a higher out of pocket risk to this client than the risk his family assumes now and all of them are more expensive than what he pays now. With the exception of the “Bronze PPO 006? plan which more than DOUBLES his family’s out of pocket risk exposure on his current “HSA 100%” plan.
Secondly, here is a sample copy of a letter that my Humana individual and family policy holders are now receiving. They too are now being forced into the Obamacare exchanges either on 12/31/2013 or on 12/31/2014 depending on when they purchased their health plan. Notice that this client’s Obamacare replacement plan will triple his premium.
Thirdly, here is a sample copy of a letter that my Aetna clients are already receiving. These clients are now losing their individual and family health insurance plans. They too will be forced into an Obamacare compliant plan as of 12/30/2013 or 12/31/2014 where the cheapest – “Bronze” plan – will expose a couple or a family to a $12,700 out of pocket risk exposure each year for in network covered charges.
Fourthly, about a month after I penned my original piece on August 3rd, other Blue Cross associations all over the country began sending our their policy termination letters. You can see the Independence Blue Cross policy termination letter if you click here.
Click here to read another policy termination notice and Obamacare compliant replacement letter from Regence Blue Shield of Nebraska. Pay particular attention to $12,700 annual out of pocket expense risk that this family will now face when they are forced to switch to an Obamacare compliant “Bronze” plan on 12/30/2013. Notice that their premium doubled as well.
One thing you can be sure of, all Individual and Family health plans sold in Illinois by Blue Cross Blue Shield, Humana and Aetna after March 23, 2010 a.k.a. ‘non-Grandfathered’ plans will be terminated and replaced with an Obamacare compliant plan either by 12/31/2013 or by 12/31/2014 depending on when you purchased the plan. Also, since the aforementioned June of 2010 ruling was a federal ruling, this will be the case for any carrier who offers plans inside the exchanges in all other states as well.
Millions of individual and family health insurance plans have already been terminated and 16 million more Americans will soon lose their individual health insurance plans because of Obamacare.
- CBS: A charter member of the Main Stream Media finally reports on 2 million Americans who have already lost their health plans:
- CBS: They finally report on the true cost of Obamacare approved health insurance:
- CBS News: Also reporting on hundreds of thousands losing their health insurance plans because of Obamacare:
- CBS News: “Obamacare resulting in dropped coverage and higher premiums:
- NBC News: Consumers facing sticker shock and policy cancellation notices due to Obamacare:
- Kaiser Health News: Thousand of consumers getting insurance cancellation notices due to health law changes.
- NBC News: Half a million Californians losing their health insurance plans because they don’t comply with Obamacare.
- The worst part about all of this is that NBC News is now reporting that President Obama knew, as early as July of 2010 that millions of Americans would lose their health insurance plans because of his health care law:
Below is a photocopy of a page of the federal register that proves that the Obama administration knew in 2010 that millions of Americans would lose their Individual & Employer Sponsored health insurance plans because of Obamacare. This regulation was written on purpose so that millions of existing policy holders would be forced to purchase health insurance inside the exchanges instead. The forced addition of millions of these policyholders – all who were assured by president Obama that they could ‘keep their plan‘ – will lower the cost or further subsidize the high cost of insuring sick people who will most certainly be purchasing subsidized health insurance inside the exchanges. In other words this was a deliberate action taken by HHS and a direct violation of the president’s promise.
President Obama is also falsely referring to these canceled plans as “substandard plans” from the ‘old market’. Nothing could be further from the truth. These plans were designed in large part by his health care law. All individual plans sold since 9/23/2010 already include 8 out of the 10 “Essential Health Benefits” that he states must be “added’ in January of 2014 in order to make them ‘better’. In fact, my clients who selected Maternity coverage with Blue Cross Blue Shield of Illinois already have 9 out of the 10 “Essential Health Benefits”. Yet the President’s health care law requires that these plans must also be terminated and replaced with even more expensive plans in 2014. The evidence in this post prove that these plans are far from ‘substandard’ plans from the ‘old market’.
Remember, president Obama also promised rates would go down by $2,500? Watch him make that promise here:
You can run your own Obamacare compliant rates by clicking on my Blue Cross Blue Shield of Illinois quote engine below:
If you’re not in Illinois, you can run your own Obamacare approved rates using my Humana quote engine here:
Please note: There is one major difference between my online quote engines and the “Health Insurance Exchange Marketplace” at HealthCare.gov. Mine actually work!
Months after I penned that original article – on August 3, 2013 – a flagship member of the main stream media – NBC – finally confirmed in their article entitled “Thousands get health insurance cancellation notices“ that I was indeed speaking the truth and not a ‘fear-mongerer’, ‘racist’ or ‘liar’ as I have been labeled repeatedly by our ‘friends on the Left’ since writing that piece.
Several days before NBC finally confirmed I was right. A newspaper in California detailed the anger and frustration by two time Obama voters who were also losing their health plans and facing an increase in their family premium of $10,000 a year. You can read that California newspaper clip if you click here.
Oh and it’s not just individual and family policy holders who are losing their health insurance policies because of Obamacare. It’s employer sponsored group policy holders as well. Click here to see a copy of the California Farm Bureau Federation group policy termination letter sent to their insured members. The CBO is predicting that 14.5 million Americans will lose their health plans after 2014. I disagree. I am predicting more than 40 million Americans will lose their employer sponsored health insurance plans. I discussed why for the Fox Business television network. View the video on the Fox Business web site by clicking here:
Worse yet, those whom we count on to provide us with the care we need are also losing their health insurance plans because of Obamacare. Here is a letter that doctors and dentists in Illinois received all over the state. They too will be losing their health insurance plan as of 12/31/2013.
All of these policy holders are being forced to forfeit their existing plans and agree to accept an Obamacare compliant plan (along with the premium increases required) by December 31, 2013 or December 30, 2014 depending on when you purchase your plan. I discussed this for the Fox Business television network on 09/30/2013 the day before the Obamacare “Health Insurance Exchange Marketplace” opened.
Why is this happening now?
I will use the state of Illinois as an example. Governor Quinn had originally expected 16 health insurance carriers to offer products within the Illinois Obamacare exchange. Only 6 carriers have chosen to sell plans within the exchange. They are as follows:
- Blue Cross Blue Shield of Illinois
- Land of Lincoln Health
- The Carle Foundation, a nonprofit hospital network based in Urbana
Since these carriers have chosen the option to offer a “Medal” (Bronze, Silver, Gold or Platinum) product within the exchange, individual/family health insurance plans that they have already sold in 2010, 2011, 2012 and 2013 must be terminated and replaced with a plan that conforms to the design of the “Medal” plans sold inside the exchanges. Either on 12/31/2013 or 12/31/2014 depending on when the plan was purchased. These new replacement plans must include all 10 of the federally mandated “Essential Health Benefits” and they must conform in design to the deductible and other out of pocket expenses that will be included with the “Medal” plans sold inside the exchanges.
There are however two large insurance carriers that are staying out of the new Obamacare “Health Insurance Exchange Marketplace” in Illinois and most other states. Those carriers are United HealthOne and Assurant Health.
Although these two carriers must still adopt all 10 of the new federally mandated “Essential Health Benefits” and they must also offer guaranteed insurability (no preexisting conditions) to all applicants during ‘Open Enrollment” periods in 2014. The deductible and coinsurance arrangements that they offer to their clients can be different than the standard deductibles and coinsurance arrangements that will be offered in the exchanges until December 30, 2014.
This means that their prices will be inherently lower than the “Medal” plans sold inside the exchanges. And, the out of pocket expenses don’t have to be $12,700 out of pocket for a couple of a family as is the case with the cheapest “Bronze’ plan sold inside the Obamacare “Health Insurance Exchange Marketplace”. This is most especially true for individuals with MAGI – Modified Adjusted Gross Incomes – higher than 400% above the Federal Poverty Level. Those income levels would be anyone who makes less than the following income levels:
- $46,960 for an individual
- $62,040 for a couple
- $78,120 for a family of three
- $92,200 for a family of four
- $110,280 for a family of five
- $126,360 for a family of six
Those Americans will receive NO taxpayer funded ‘subsidy’ to artificially lower the high cost of the expensive Obamacare Qualified Health Plans that will be sold within the new ‘Health Insurance Exchange Marketplace”.
Because these two carriers are staying out of the Obamacare exchanges around the country. They are both able to make the following commitment to potential new policy holders. If you purchase a health insurance plan from either of these carriers prior to 2014 you will not lose or have to change that health plan and you will not receive a premium increase until December 30, 2014. You will also be able to design your own plan with your own deductible, your own co pay and other policy features that after 2014 will be designed by the federal government.
Run your own quotes from United HealthOne by clicking on their logo below:
It’s not just health plans that have been terminated. Health insurers have also been terminated.
It’s not just health plans that have been terminated. We’ve lost 13 carriers as well. In July of 2013 we lost the 13th individual health insurance carrier since Obamacare passed. See this insurance company’s exit letter here. The other individual health insurers who have pulled out of the individual health insurance market since the passage of Obamacare are as follows:
- American National
- American Republic > 35,000 people LOST their health plans when American Republic exited the market. Hundreds of jobs were lost as well.
- American Medical Security
- American Community Mutual
- Standard Life & Accident
- Principle Financial
- World Insurance
- Guarantee Trust Life < One of my clients in Naperville, Illinois who received that letter lost her plan during Breast Cancer treatment!
- Physicians Benefit Trust
- Independence Holding Group
Obamacare is creating a massive insurance monopoly. These smaller carriers that I used to be able to offer to my clients, the carriers with the good prices are now gone. They are being gobbled up by the larger carriers. We now have only a handful of health insurance carriers left in the country. Think about it, you know this. Look at the exchange plans and see if you can find more than 5 carriers who are offering plans.
Eliminating health insurance carriers and creating a taxpayer funded monopoly is not ‘competition’. It is a monopoly and nothing drives up prices like a monopoly. Period.
Article originally published on C. Steven Tucker blog, October 22, 2013
By: Nelson Abdullah
Conscience of a Conservative
ALERT: TYRANNY COMES TO AMERICA. CHINESE TROOPS ON U.S. Soil. Dissent Against Obama Inc “Purged” Via Gestapo-Like DHS Tactics. Commentary By Adina Kutnicki
Posted on November 15, 2013
ALERT: video included – The Communist People’s Republic of China was invited to take part in a massive drill dubbed GridExII that took place on November 12-14, 2013. The drill simulated the detonation of a massive nuclear warhead high above the skies of the United States, creating a giant EMP—Electro Magnetic Pulse—that took out the U.S. electrical grid, communications, banking services, and all computers, simulating a helpless America completely dependent on its all-wise government.
Why would the Radical-in-Chief agree to such a drill, other than the fact that he is a crypto Marxist? The fact that he is an Islamist does not obviate his leftist revolutionary designs. The red/green alliance. Moreover, why did DHS OVERSEE this “exercise”? Hint: the outgrowth of Obama’s promised “civilian force”, of which DHS is its overseer. A promise kept.
Undeniably, freedoms, once taken away, can only be regained after the spilling of much blood and the looting of national treasures. It usually takes many bloody years of concerted struggle, if even then, to grab them back. This is a historical fact. So even though most prefer to do their own thing and keep their head down (hoping for the best), such is not the wisest tack to take, if one is in a fight to remain free from tyranny’s grip.
Chillingly, top U.S. Generals are issuing alarm bells, as to the regime’s plans to squash dissent, starting with the purging of loyal military officers! As most intuit, these folks are hardly sissy pants and prone to hysterical fainting spells. NO smelling salts required on their end.
Regardless, it is possible to “exist” in a repressed society, and many millions do just that. But those who are used to speaking their mind – often taking their liberties for granted – will surely have a rude awakening, if they do not wake up and stand up. Forthwith.
Moreover, regimes like Saudi Arabia, Cuba, Russia and China (and too many other human rights basket cases to enumerate, never mind that 3 of these “leading lights” just got elected to the UN Human Rights Council…my heavens), where opposing political opinions and gov’t dissent become hazardous to a citizen’s health, should be viewed as eventual realities for Americans. In fact, the beginnings of said (American) repressions exist in full and plain view – at least for those whose eyes remain wide open!
Consider the following as previews and foretastes:
Obama’s America is akin to a parallel universe, as one enters into their radical politics – the ultimate American nightmare! As such, America is no longer a tyranny in the making, that ship has sailed. Most significantly, the west is on the precipice, ready to lose its footing. And while America spirals downwards, thus, various “crises” are used to deflect from Obama Inc.’s crimes. Will they get away with it? Time will (very soon) tell.
But if one player stands out above the rest among Obama’s crew, look no further than Valerie Jarrett. The night stalker. Yet, her fingerprints are nothing new on this end, as evidenced within DHS:Valerie Jarrett’s fiefdom and so many others.
Image courtesy of Canada Free Press
26 October 2013: “Fasten your seatbacks and tray tables in their full upright and locked position. We’ll be on the ground shortly.” That is the final warning aboard the aircraft known as America, which will be using runway 39A to taxi to the terminal of tyranny. Most of the passengers aboard the luxury aircraft have no clue to what awaits them, as the captain and crew have lulled the majority into a false trance of tranquility. The few aboard the aircraft who were aware of their final destination tried to warn the other unsuspecting passengers, who have been immersed in their personal electronic devices, sleeping or watching the airline version of the corporate media, the mouthpieces for their fascist facilitators.
So it is in the United States today. Except those aboard this hijacked luxury aircraft who have been warning others of the danger ahead have been the targets of an increasingly aggressive campaign to silence them – to silence us – by any means necessary. This is the historical hallmark of the last warning of the final approach to the terminal of tyranny.
They are coming for us
Most people are familiar with the accounts of Glenn Greenwald’s partner (ironically named David Miranda, at least to those of us in America), being recently harassed at Heathrow airport in the UK after Greenwald began exposing the scope of the NSA spying campaign. Despite the warnings that this action portended, most people simply decided to turn their personal devices of diversion louder, effectively drowning out the warning bells tolling for the death of the most important freedoms in America – the freedom to tell the truth.
The warning bells have been ringing before and after, yet the masses entranced by the bells and whistles of their own devices have firmly kept them subjugated to their own normalcy biases. Even some internet bloggers, citizen journalists, and those daring to awaken a slumbering or deliberately distracted and deceived citizenry have felt somewhat insulated against the encroaching tyranny.
As we get closer to the terminal, however, that feeling of insulation is turning into a sense of dread, as the last threads of the fabric of one’s normalcy bias are being rendered to expose the awaiting tyranny. It is here that you will see that they are coming for you, for all of us, who refuse to advance their agenda of lies and distortions. It will very likely be a visit in the darkest hours of the night that you will be paid a visit by mercenaries of malevolence hired by the despots piloting this hijacked aircraft.
I cannot tell you whether you are next on the list, but I can tell you there is a list and the truth-tellers are on it. The modern day Paul Revere’s are in their crosshairs, for they are the last obstacles to full-blown tyranny and fascism that awaits us. Once silenced, there will be no one left to warn the slumbering or the deceived. The bells will go silent.
They are coming for our sources
Lest you tend to discount this as mere hyperbole, I call your attention to a 15-year veteran reporter in Washington, D.C. named Audrey Hudson. Audrey Hudson was nominated twice byThe Washington Times for the Pulitzer Prize, and is now an independent journalist, shedding any corporate restraints to bring the truth to the American people. I’ve had the honor and privilege to speak with Ms. Hudson and multiple occasions, who once cited me in aWashington Times article she wrote a few years ago about the curious nature of a “terrorist dry-run” aboard a U.S. flight.
Her work ethic, integrity, and persistent search for the truth is above reproach, and certainly well deserving of a Pulitzer Prize. She is very detailed and extremely loyal to the truth, wherever it might lead. She is a leader in the charge for the truth about the Department of Homeland Security, the Federal Air Marshall program, and the TSA.
It should be clear to all who understand what is taking place that the veteran investigative journalist was the victim of a campaign of intimidation by the fascists and their facilitators. It was a 4:30 am surprise visit by several officers acting under the authority of the Department of Homeland Security, under the thinly veiled pretext of a possible violation by her husband related to 27 year-old closed case, that shattered the tranquility of her home last August 6th.
These armor clad, gun wielding agents of the state shed all pretense of civility as they burst into her home to ostensibly search for guns illegally owned by her husband. It was some obscure reference on the fully compromised and cooperative social network known as Facebook that this egregious act of tyranny was justified. It is Big Brother at his finest, the merging of a corporate entity acting as the well-paid whore of a burgeoning police state. Such an unwelcome and unexpected visit at 4:30 am to the home of a respected journalist shows that there are no boundaries they will not cross, no civility they will not trample, and no doors they will not break down to silence the truth.
The real reason behind this venomous visit exists in the details. Ms. Hudson is now speaking out because of what the agents of this Gestapo-like tactic took from her home. While the search warrant was limited to any alleged guns on the premises – again – stemming from a quarter-century old incident reportedly involving her husband, their reach well exceeded their authority.
What was taken from the home of Audrey Hudson was more valuable than any gun. What was taken from Audrey Hudson, in addition to her freedoms as an American citizen and a Pulitzer Prize nominee for her journalistic prowess, were her pages of notes and names of sources inside and outside of government who had confidentially provided her information over the years. Information that we, as Americans, could rely upon to keep our government in check. The identities of brave men and women who risked their careers and even their lives to expose what was – and is – taking place in the terminal of tyranny.
The SWAT team that descended upon her home in the dark of the night robbed Ms. Hudson of more than her weapons. They robbed her of her ability to tell her sources that their identities are safe with her.
Her sources, now exposed to the Gestapo-like fascist government we have allowed to hijack America, now knows who the whistleblowers are. What quiet fate might await them once inside the terminal of tyranny? What damage has been caused to all of America by this overreach? How many will turn up destitute, or worse, dead, from the blowback?
The mission seems clear, especially since one of the armor clad night ninjas standing inside her home identified himself as a former air marshal official, a member of the agency that Ms. Hudson had exposed in her reporting of potential misdeeds. Payback, apparently, or at the very least, a conflict of interest. But then, they’ve already passed the point of even trying to conceal their concern for the rule of law.
We are at the terminal
As most aboard the luxury aircraft known as America are about to learn the hard way, we are about to reach the terminal. Behind the gates of unconstitutional forces allowed to exist under the illusion of security lies the tyranny of Hitler’s Germany. The passengers who have attempted to rouse the slumbering and self-absorbed passengers during the flight will no longer have a voice if we don’t act soon.
We must stand behind those who have already been molested for telling the truth about what is taking place. We must back Audrey Hudson and every one like her, and make sure her story is shouted from every rooftop in America.
Failure is not an option, for failure will result in our ultimate enslavement and death. Put down the iPads, iPods, and break from the trance induced by the corporate media and pay attention, for we’ll be on the ground shortly. For others, they will be in the ground, for tyranny does not appreciate dissent.
Oh dear… Bob Woodward joins the fray, warning of a secret government – a state within a state – encircling Americans! Doesn’t get any starker than that. And get this….Homeland Security Starts Citywide Cellphone Tracking Project In Seattle, Your Town Will Be Next, even as the Seattle PD supposedly put the program on “hold” due to outrage from citizens. My oh my….as if.
But if sticking ones head in the sand seems like a good strategy, go right ahead, continue as is. Yet, before you continue doing so, this site implores its vast readership to first listen up to: Michael Savage: Why is Obama purging the military? Or put another way, Obama is gutting the military by PURGING Generals! Why?
Well, to “transform” America into a socialist/Marxist nation, and to eviscerate all manner of traditional Judeo-Christian moorings, the most expedient way for the radical-in-Chief to ”forward march” is through deconstructing the most feared fighting force in the world – the U.S. military.
First it’s DOMA and then it’s the gaying of the military, as a reflection of his “down low” lifestyle. A protected class. Never mind that heterosexual soldiers are being sexually assaulted by gay counterparts, but the military is reportedly covering up these sexual-based crimes!
As reported, “Echoing what other high-ranking officers have told WND, he said the Pentagon policy of repealing “Don’t Ask Don’t Tell” resulted in the first openly “gay” “major military force in the world.” The development has brought about “massive” sexual assaults on “thousands of straight military male personnel that have been covered up,” he said.
Certainly not (the heretofore) America.
There’s “none so blind as those who will not see.” Precisely.
I absolutely believe this. Gee, guess I’m a crazy prepper. I’m also a commie/Progressive hunter, go figure. 😉
Could not agree more. Put the Maverick to pasture already.