Middle Class Hit Hardest By ObamaCare Increases

2016 October 27
by bc3b

This is a double hit on middle-income Americans. They must foot the bill for the subsidies, and then they face the full impact of the premium increases. Only about 44% of people purchasing insurance in the individual market receive subsidies, leaving 56% to pay entire bill for themselves and their families. They face premiums that may cost as much as their mortgage and still face annual deductibles of $12,000 or more.

Like everything else, ObamaCare has impacted the middle class unfairly. The middle class has faced stagnant wages. It has lost jobs that have been shipped out of country or to foreigners who have been imported into the country through H-1B and other federal programs. The  middle class pays the bulk of the taxes and makes too much money to qualify for Pell grants, subsidized housing or other benefits reserved for the poor. It is ignored by both parties.

The October Surprise really isn’t much of a surprise:  We have been expecting to learn the magnitude of Obamacare premiums increases just before Open Enrollment begins November 1—and just before Election day.

But the size of the increases is a shock, averaging nearly 25% across 38 federal exchange states, and with some increases in triple digits. The highest AVERAGE premium increases are in Arizona, 116%; Oklahoma, 69%; Tennessee, 63%; and Minnesota, 59%.

Millions of people in other states will find premiums for their current plans spiking at least as high. Freedom Partners has created an interactive map showing the average and highest premium increases for ACA-compliant individual market plans for 2017 in all 50 states.

And at least one state is challenging the administration’s overly-optimistic numbers. Indiana says it is wrong in claiming its benchmark plan will be 3% cheaper than last year.

“The health insurance rates in the Indiana marketplace are going to increase. In fact, many Hoosiers will see a double digit increase in rates,” said Stephen W. Robertson, Commissioner of Indiana Department of Insurance in a news release.  Next year, based upon current enrollment, the average rate will increase by 18.7% over the 2016 rates for the Indiana Marketplace.

The 40-page report issued by the Department of Health and Human Services on Monday tries to paint a friendly face on the disastrous premium news by saying we shouldn’t worry since the hikes will be offset by subsidies.  The report estimates the average premium increase for 2017 for a 27-year-old enrolling in a benchmark Silver plan through the Healthcare.gov exchange.

More than 70% of consumers in states using the federal exchange will be able to find a premium that is less than $75 a month once financial assistance is factored in, according to the report. That’s because 85% of enrollees in the Obamacare exchanges receive subsidies to offset the cost of the premium increases and, for many, the costs of the deductible and copayments as well.

But someone has to make up the difference, and it is, of course, middle-income taxpayers.

Douglas Holtz-Eakin, former director of the Congressional Budget Office and current president of the American Action Forum, estimates that taxpayers will fork over $32 billion in ACA subsidies this year and up to $50 billion next year.  “The taxpayer is being left holding the bag,” he says.

This is a double hit on middle-income Americans. They must foot the bill for the subsidies, and then they face the full impact of the premium increases. Only about 44% of people purchasing insurance in the individual market receive subsidies, leaving 56% to pay entire bill for themselves and their families. They face premiums that may cost as much as their mortgage and still face annual deductibles of $12,000 or more.

A colleague shared his story about the cost of health insurance in Virginia where his family’s Bronze-tier Carefirst plan is being discontinued. The premium for the couple and their three young children is $750 a month this year, with a $13,100 deductible/out-of-pocket maximum.

After selecting for their preferred in-network physicians and an HSA-qualified plan, he has two plans to choose from for next year:

  1. Carefirst $1,500 HSA Silver. $3,000 deductible, $13,100 OOP max. Premiums are $1,500 per month, double what he is paying now.
  2. United Healthcare $2,800 HSA Silver. $5,600 deductible, $13,100 OOP max. Premiums are $1,125 per month, a 50% increase over this year.

“So, if I want to keep my doctors and my ability to retain an HSA-qualified plan, my choice is between a 50% and a 100% premium increase,” he says. “Under no plan would I have avoided even a 25% premium increase, the best case scenario.”

Hat tip: Forbes


Very, very cool,                                                       Not at all cool.

48 Responses leave one →
  1. 2016 October 27 8:04 pm
    bc3b permalink

    “If you like your doctor, you can keep your doctor. If you like your health plan, you can keep your health plan. And you’ll save $2,500.”

  2. 2016 October 27 8:28 pm
    justrand permalink

    If you like being LIED to…vote Hillary 2016!

  3. 2016 October 28 3:06 am

    Trump needs to hammer this home, as this was the game plan from day one.

  4. 2016 October 28 4:14 am

    They do catch them now and then

  5. 2016 October 28 5:23 am
    bc3b permalink

    Income taxes are bracketed so the rich theoretically pay at a higher rate (although there are many, many loopholes(. The ObamaCare burden is directly on the backs of middle class Americans, whom neither party has any use for.

  6. 2016 October 28 5:25 am
    bc3b permalink

    ip #3

    “Trump needs to hammer this home, as this was the game plan from day one.”

    Bingo. Actually the plan was to move to a single payer system by placing such a financial burden on middle class Americans that they would accept a single payer system.

  7. 2016 October 28 6:39 am
    justrand permalink

  8. 2016 October 28 7:01 am
    justrand permalink

    And there are a lot of Angry Women out there too…angry about the same things. Not the Faux-Outrage Pro-Abortion Perpetually-Offended females who get all the attention. I’m talking about Angry Women who see the social, economic and political fabric of our country being ripped apart day-by-day and election-by-election. THEY are being dissed and dismissed by the media just as much as the “Angry Men”.
    Regardless of the outcome of the election, that anger WILL remain. Trump acknowledges those men & women, while Hillary dismisses all those who are angry about the state of this nation as “Irredeemable”.


  9. 2016 October 28 7:25 am

    8 – Only a 175k… 🙄 WTF?
    They didn’t screw up. Someone needs to file a lawsuit IMMEDIATELY
    To invalidate all of the first round ballots, or at the very least start checking (heavly monitored) every ballot returned against the list of already received ballots. Doing anything less is straight up fraud. 175k ballots is no joke, there were only 75k vote difference in 2012 that decided the state.

    BTW checked in with all the fam over the last couple days, every one in CT (7) voted Trump, everyone in FL(4) voted trump, except one… dipstick new step-step father did a write-in.. making it worse is who he wrote-in… I don’t even want to admit it, he’s brought shame to my entire family – moron wrote in “Romney”. Why, step-mom couldn’t give me any sort of real anwser. I told my mom you know I liked him up till now, but let him know if he ever starts bitching about politics in front of me again I’m going to go off on his ass like you’ve never seen me do before and we’ll probably never speak again after it, but hey at least he didn’t vote for Hillary because then I’d be telling you that you need a divorce asap. Sigh, christ even her twice voting for BJC and once for Obama parents voted for Trump…and new guy doesn’t???

    Mom did joke about her ballot though, said “I mailed my ballot Monday, who knows if the mailman will actually deliver it though”, and she only tangentially pays attention to the news so for her to be worried about rigging tell me those concerns are penetrating. I just said she should have dropped it off at the election office herself, she said she wanted to in-person vote but since she had already requested absentee ballot she couldn’t do both, I joked that “who knows, you should have tried, they’d probably let you vote twice given the state of things”.

  10. 2016 October 28 7:34 am
    JBoz permalink

    Not sure if this has been posted in prior BJG threads, but MLB World Series ratings are very strong…highest since 2009.


    Yes, some of it can be attributed to the Cubs and Indians respective droughts…but every world series pairing has some interesting twist.

    MLB – patriotic, respectful, players generally articulate and positive, and racially representative of the general US population.
    NFL/NBA – unpatriotic, disrespectful, thuggish behavior, players are illiterate morons, rampant criminal activity, not even remotely racially representative.

  11. 2016 October 28 7:43 am
    bc3b permalink

    JBoz –

    MLB is still ridiculously politically correct. On Jackie Robinson day all players wear a jersey with the number 42. Since a player’s number identifies him, it would make far more sense for them to wear their normal jersey with a patch honoring Robinson.

    Also, MLB will be looking at the Indians mascot and “making a decision,” whatever that means.


  12. 2016 October 28 7:50 am


    These “lawmakers” are FULL OF SHIT.
    They could have addressed Rule 41 via legislation anytime over the last 2 years since it’s been “proposed” for awhile now, could have made sure it didn’t happen, instead they did nothing – same as with ICANN.

  13. 2016 October 28 7:57 am


    NFL’s probable response – The polls are rigged! They’ve already tried every other excuse. 😉

  14. 2016 October 28 8:22 am
    justrand permalink

    this site is amazing…and doing the work the MSM refuses to do:


  15. 2016 October 28 9:23 am
    JBoz permalink

    Not sure if Trump has made this point, but he should.

    There are two candidates…love them, like them or hate them, there are two. The news media, which is supposed to be impartial and objective simply is not. Americans can either elect a President who the new media will ABSOLUTELY hold accountable, and take to task at every turn, or they can elect a President for whom the media will collude, cover for and be allowed to do anything.

    Which do you want…a President who will be held accountable, or one who will have unlimited and unchecked power?

    In other words, if you think Trump will do awful things…the media won’t allow him to….and if you think Hillary will do awful things, the media will look the other way. What do you want?

  16. 2016 October 28 10:13 am



  17. 2016 October 28 10:17 am
    justrand permalink

  18. 2016 October 28 10:25 am


  19. 2016 October 28 10:48 am
    justrand permalink

    IP, I nominate you to prod her! 🙂

  20. 2016 October 28 11:02 am
    MI Conservative permalink

    My first election was 1976.

    I have never seen anything as crazy as the $hit we’re witnessing this year.

    Post #20

    Comey’s got a problem and had to re open to protect his a$$. Something big has to be coming out about Clintons. Maybe Wikileaks has something and Comey wants to get a jump on it.

  21. 2016 October 28 11:08 am
    justrand permalink

    MIC, you beat me to it!

    I’ve been pondering why now?!? Ass covering seems VERY plausible.

    If indeed Comey knows something big is indeed about to hit, he has to cover his OWN ass now…Hillary’s bulbous ass be damned.

  22. 2016 October 28 11:11 am
    MI Conservative permalink

    Everything big happens on Friday. Personally, for me that’s great. I’m not doing anything else so I catch up on the news.

  23. 2016 October 28 11:12 am
    MI Conservative permalink

    I better get my football picks in before bc sends me another nasty email.


  24. 2016 October 28 11:15 am

    23 – He’s not yet re-opened, he’s saying they’re gonna look into some additional emails to see if they do need to re-open.

    1) It’s PR to blunt the correct charges that the FBI is corrupted to the core, this both for internal and external audience, the latter being to blunt Trump momentum on this issue.
    2) It’s also an additional disincentive for rank and file agents to start leaking docs in the final days of the campaign because they’re been calls for agents to start doing that under whistleblower status – or to stfu as frauds. It’s a little easier to do that with stuff from a closed investigation vs one that is open..or about to be re-opened.
    3) If the magic we all want to happen on the 8th actually happens it’s some cover for some in the FBI to hide behind so that they’re not personally investigated\prosecuted.

    While I don’t think any of this is going flip many votes… most people voting for Hilda don’t give a sh1t about this issue… it does fuck with the media narrative for a day or two and isn’t great optics for Hillary…. but neither is the FBI being corrupted by her. As for the media narrative, I would expect probably by Monday the Clinton to release some more hit’s to attempt to change the subject.

    I think Trumps already made a bit of mistake at his rally where he was just talking about this and use phrases like “Maybe things aren’t as rigged as I thought….. I’m proud of the FBI… They’ve decided to restore their reputation”
    All that does is undercut his own theme and sort of assumes the FBI is actually going to do the right thing, which of course they’re not.

  25. 2016 October 28 11:16 am

    Trump rally – It’s about to end but you can watch the recap probably. He addresses the FBI thing right at the top, in fact apparently it started late cause Team Trump was huddling to digest the news for few minutes.


  26. 2016 October 28 11:18 am
    MI Conservative permalink

    KH, I agree that Clinton Camp probably has one more thing to throw out about Trump as a surprise. I hope they already did it with the bus tape but I doubt it.

  27. 2016 October 28 11:46 am

    Apparently Assange says he has tons more stuff for next week and it will get her arrested.

    My personal feeling is the Monster Vote may be real…..of course, as KH would be quick to point out, it may not.

    What IF the bad guys (Uniparty+Pravda) KNOW they are going to get whacked on election day and to keep the rubes thinking Pravda and the government can be trusted they will take Hillary out themselves.

    Yeah, that’s real black helicopter thinking. 🙂

    The best thing to do is stay focused, ignore everything and vote!

  28. 2016 October 28 11:56 am
    bc3b permalink


    Here are this week’s picks. Please return to bjgsports@gmx.com by 7 PM Friday. There are two Friday games. If anyone gets their posts in after 7 PM Eastern Time Friday they get South Florida and San Diego State, the two favorites, by default.

    Navy @ South Florida
    San Diego State @ Utah State
    Miami (OH) @ Eastern Michigan
    Connecticut @ East Carolina
    Cincinnati @ Temple

    Army @ Wake Forest
    Minnesota @ Illinois
    Texas Tech @ TCU
    Maryland @ Indiana
    Georgia State @ South Alabama

    Clemson @ Florida State
    Kansas State @ Iowa State
    West Virginua @ Oklahoma State
    Miami (FL) @ Notre Dame
    Baylor @ Texas

    Tulsa @ Memphis
    Southern Methodist @ Tulane
    Stanford @ Arizona
    Nebraska @ Wisconsin
    Duke @ Georgia Tech

    Georgia @ Florida
    Auburn @ Mississippi
    North Texas @ Texas – San Antonio
    Kentucky @ Missouri
    Old Dominion @ UTEP

    Arizona State @ Oregon
    UNLV @ San Jose State

  29. 2016 October 28 12:37 pm

    30 – Not to mention ~19 million people will have voted by 5pm today.

  30. 2016 October 28 12:38 pm

    I really wish whatever wiki has leaf they dump by monday, too many votes will already be cast by election day.

  31. 2016 October 28 12:52 pm

    33….yes….velly interesting period of time.

    Remember that the highly trusted Gallup had Carter up by 8 on October 26th, and last pre-election polls had Reagan up by 3. Reagan won by 10. So even the last pre-election polls were off by 7!!

    That was the first Monster Vote. 1994 was the 2nd. Is there another one left?

  32. 2016 October 28 12:53 pm
    justrand permalink

    KH, Hillary has already ignored the issue, and the media will TRY to follow her lead

    I pray this re-opening has the effect of OPENING a few extra set of eyes to the danger of a Hillary presidency

    we’ll see…

  33. 2016 October 28 12:54 pm
    justrand permalink

    bruce, we have MORE people pissed off and desperate for change NOW than back then.

    BUT, we also have vastly more people dependent on EXACTLY the type of government that Hillary promises

    we’ll see…

  34. 2016 October 28 12:56 pm

    34 – Largely a myth. Only thing they go wrong on average was the margin.


  35. 2016 October 28 12:58 pm

    Trump in ME (CD2) – starting shortly…actually already started but Trump up soon.

  36. 2016 October 28 1:01 pm

    “too many votes will already be cast by election day.”

    Not likely that many hildabitch voters would change their minds no matter what comes out.

  37. 2016 October 28 1:02 pm

    2006 Audio Emerges of Hillary Clinton Proposing Rigging Palestine Election
    Unearthed tape: ‘We should have made sure that we did something to determine who was going to win’

    “I do not think we should have pushed for an election in the Palestinian territories. I think that was a big mistake,” said Sen. Clinton. “And if we were going to push for an election, then we should have made sure that we did something to determine who was going to win.”

  38. 2016 October 28 1:03 pm

    “I pray this re-opening has the effect of OPENING a few extra set of eyes to the danger of a Hillary presidency” JR

    Those leaning hillary have their heads up and locked, would make little difference to them methinks.(But it might bring out more trumpsters)

  39. 2016 October 28 2:03 pm
    justrand permalink

    Trump lighting it up at a rally in Maine!!!

    Go Donald!!!

  40. 2016 October 28 2:45 pm

    Supposedly 3hr special of Dobbs tonight 7pm-10pm, if you have FBN.

    Also IA later tonight (he’ll be running late for it):

  41. 2016 October 28 2:59 pm



  42. 2016 October 28 3:13 pm

    It wasn’t largely a myth KH…the gallup poll was real…..I was heavily paying attention…..Carter got clobbered and NO ONE saw it coming……being 7 points off is big.

  43. 2016 October 28 3:59 pm

    45 – As the graph showed anyone following the polls saw it coming, the fact the press was ignoring them doesn’t change the fact of “Reagan behind till nearly the end” was\is a myth.

  44. 2016 October 28 4:33 pm
    Eph permalink

    Gallup had Hussein beating McSame by 15

    Final poll b4 2008 vote

  45. 2016 October 28 4:34 pm
    Eph permalink

    Gallup has a terrible polling history.

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