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The PJ Tatler

by
Bryan Preston

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October 18, 2013 - 10:33 am

Take a look at this chart of Obamacare-forced health insurance rate hikes, produced by the Heritage Foundation. Dark orange denotes the sharpest increases, while blue denotes decreases. Click to enlarge it.

IB-premium-exchange-by-state-table-1-1200

The first thing that jumps out is how few blue lines there actually are. Obamacare was sold as a plan to make health insurance more affordable and more accessible. Only a handfull of Americans live in states where insurance rates will actually decline. In a few of those states, the declines are tiny. Only Colorado, New York and Rhode Island stand to see meaningful declines in health insurance rates.

Another striking feature is where the the sharpest increases will occur. A majority of them are red states.

Arizona, Arkansas, Georgia, Illinois, Kansas, Louisiana, Michigan, North Dakota, Texas, Vermont, Virginia

The states that will see the next sharpest rate increases are labeled in orange on the chart. Politically, a majority of them are red.

Alaska, Connecticut, Delaware, Florida, Idaho, Missouri, Nebraska, New Mexico, Oklahoma, Oregon, South Dakota, Tennessee, Utah, Washington, Wisconsin

Virginia’s rate hikes are particularly onerous. Across the board in all age groups, Virginians can expect to see their rates jump by at least 178.7%. Virginians above age 50 will get walloped by a 256.5% increase. Many of them are retired and on fixed incomes.

The following states will see decreases.

Colorado, New Jersey, New York, Ohio, Rhode Island

For the most part, these states will see decreases because they have already adopted some version of health care regulations that include mandates similar to Obamacare. One blue state, California, has pushed heavy mandates and yet will see its rates rise from 3.4% to 23.6%, with older Californians seeing half the hike that younger Californians will suffer.

Additionally, the numbers in the first column may doom Obamacare from the start. The law is predicated on the notion that younger Americans, many of whom are healthy, have not started families yet and do not yet buy their own health insurance, will now flock to the Obamacare exchanges and buy insurance in droves. The law depends on them doing that, and may collapse if they do not, as insurance companies will not have enough healthy customers to offset the cost of the unhealthy customers that Obamacare forces them to take on.

But how likely are younger Americans to buy health insurance when the odds are that Obamacare has priced it out of reach? The choice they face, paying hundreds of dollars per month for insurance they don’t need, or paying a fine that starts at $95 for an entire year if they do not buy insurance, will be an easy one. Additionally, millions of them will avoid both the fine and buying insurance by staying on their parents’ insurance until age 26, as Obamacare now allows them to do.

But supposing they do go shop for insurance. First, they’ll face the horror that is HealthCare.gov, and there is no guarantee that they can even create an account and populate the online forms with personal information that will survive HealthCare.gov’s terrible architecture. Second, once they get to the end, they will face sticker shock, with health insurance plans in most states far more expensive then they were before Obamacare.

The general trends that Obamacare forces across the nation look like this: Younger Americans will be forced to pay far higher insurance rates to subsidize older Americans. Healthy Americans will be penalized and forced to pay for unhealthy Americans, those who have pre-existing conditions as well as those who have simply made poor life choices. Red state Americans who did not support Obama’s election and who have never supported Obamacare will be forced to bear the harshest of the law’s onerous costs. In some cases, such as Virginia, the costs add up to a massive tax: Young Virginians will see rates hiked 252.5%. Larger families will be penalized with higher rates, forcing many Americans to downsize their family plans. Many Americans will see their work hours cut or their jobs eliminated so their employers can escape Obamacare’s mandates.

Obamacare is in reality the imposition of blue state policies on red states that, before 2010, had the right to set their own policies as their voters wished.

The 1773 Boston Tea Party was sparked by just a 2% tax levied on the colonies by a faraway government the colonists had no say in electing. That tax, the Stamp Act, only led to a revolution and the overthrow of British rule in America.

Bryan Preston has been a leading conservative blogger and opinionator since founding his first blog in 2001. Bryan is a military veteran, worked for NASA, was a founding blogger and producer at Hot Air, was producer of the Laura Ingraham Show and, most recently before joining PJM, was Communications Director of the Republican Party of Texas.

Comments are closed.

Top Rated Comments   
Unfortunately, I suspect there will be a move to make such programs illegal. These people will stop at nothing.
26 weeks ago
26 weeks ago Link To Comment
I also looked at Bryan Preston's last paragraph with resolve. And brace yourselves, folks, because Obamacare will not die until Obama has proposed these measures to save it:

TARP II -- bail out the falling medical insurers (no, they are NOT going down and taking banks and other massive pieces of the economy with them despite low-info Democrat wet dreams). Consequence: Republicans who oppose are smeared as threatening the country with another crash just to satisfy their racism and their hatred of the poor.

FULL STUDENT LOAN FORGIVENESS for young invincibles who fully enroll in Obamacare -- Republicans are the bad guys who oppose taking care of our nation's youth.

OBAMACARE FOR DREAMers -- Republicans are the bad guys for withholding health care from young people of color.

HEALTHCARE.GOV 2.0 -- Republicans smeared for refusing to fund a redo of a noble project that will save millions of American lives.

It is going to take some SERIOUS marching to counter this. And some SERIOUSLY smart messaging.

In other words, we'd better forget about our "leaders" in D.C. and get ready to march. God knows their side will.

September 12, 2014, guys?
26 weeks ago
26 weeks ago Link To Comment
I've said it hundreds of times on this site alone... even BEFORE Obamacare modern Americans have been tolerating policies that make the George III look positively libertarian by comparison. The character of this nation has changed, and the window to change it back is closing quickly.
26 weeks ago
26 weeks ago Link To Comment
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All Comments   (27)
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Google is paying 80$ per hour! On tuesday I got a great new Land Rover Range Rover from having earned $4151 this last four weeks. its the most-financialy rewarding I've had. It sounds unbelievable but you wont forgive yourself if you don’t check it out WWW.Pow6.com
26 weeks ago
26 weeks ago Link To Comment
My reply of 1 hour ago was posted as a reply to rjhfl's comment on John Lilborne's concierge medicine practice, but got entered here as a new comment.
26 weeks ago
26 weeks ago Link To Comment
You are correct. Either Canada or England tries to stop persons from spending their own money on medical care outside the system, so the people go outside their country for help. Here the government will probably terminate the licenses of these types of doctors. Then we will have the Mafia setting up back room medical operations with unlicensed doctors. I can hardly wait.
26 weeks ago
26 weeks ago Link To Comment
Compare $85 a month in Virginia to $890 a month in New York. That's what my son discovered was the difference in the BC/BS rates when he left Virginia and moved to Brooklyn six years ago. His college had no inexpensive "catastrophic" plan for students because such plans were illegal in the state. They sent their students to the Health Department which gave them free Medicaid.
26 weeks ago
26 weeks ago Link To Comment
McCainCare. I fixed your typo.


All that is required for evil to triumph is for good men to do nothing.
26 weeks ago
26 weeks ago Link To Comment
Is Massachusetts exempt from 0care? It is not included in the chart.
26 weeks ago
26 weeks ago Link To Comment
Neither is Kentucky
26 weeks ago
26 weeks ago Link To Comment
Did this sonovabitch ever screw the country big time and we didn't even get a kiss first.
26 weeks ago
26 weeks ago Link To Comment
Now Gny. Sgt. Hartman is stuck in my head...
[Full Metal Jacket (1987) http://www.imdb.com/character/ch0003741/quotes ]
26 weeks ago
26 weeks ago Link To Comment
To get rid of obamacare there are only two choices. Either vote for a Democrat who swears to oppose it or vote for a Republican who swears to oppose it. For those who refuse to vote you are requesting that you be taxed to support others and you will still have to buy your own health insurance. This is nothing more than a Ponzi scheme brought to you by a Chicago punk. Let's get that veto-proof congress and get rid of obamacare.
26 weeks ago
26 weeks ago Link To Comment
The so-called "decreases" for Colorado aren't true. The coverages are apples and oranges. For example, my son had a high-deductible major medical policy that cost $104 per month before O'care. At the exchange, the least he'll pay is around $212 because of the "expanded" coverage for birth control, abortions, and AIDs treatment built into the "basic" coverage. My wife was in a "high risk" pool plan with high deductibles that was cancelled because of O'care. Her premiums go from $499 per month to around $750 with worse coverage (e.g. no copays).
26 weeks ago
26 weeks ago Link To Comment
When ACA passed my BC/BS cost $600 a month, I was in a high-risk policy. During each of the next two years my rate was increased "to comply with ACA mandates". I now pay nearly $900 a month. Thanks a lot, Nancy Pelosi. Did you read the bill before you voted? Is this what you intended to do to me?
26 weeks ago
26 weeks ago Link To Comment
Good. It's what they voted for, it's what got shoved down our throats, I hope it hurts them like hell. Younger voters seem to favor difficult times for elderly people, all the time forgetting they will become elderly someday too. At that point, I hope it hurts them until they scream for help and listen to their anguish when they realize the new batch of younger folks don't care about them.
26 weeks ago
26 weeks ago Link To Comment
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