7 Smart Reasons Not to Enroll in Obamacare
For Immediate Release
October 13, 2014
Deborah Hamilton, Hamilton Strategies, 215.815.7716, 610.584.1096, DHamilton@HamiltonStrategies.com
7 Smart Reasons Not to Enroll in Obamacare
Citizens’ Council for Health Freedom: 2014 Proved Why Uninsured Shouldn’t Sign Up During Enrollment Period that Begins November 15
ST. PAUL, Minn.—This past year was the biggest test for the Affordable Care Act. And Obamacare failed miserably on many levels. From technological enrollment glitches to privacy concerns, Obamacare didn’t gain many new fans in 2014. In fact, the government health care plan alienated more than it won over.
Twila Brase, president and co-founder of Citizens’ Council for Health Freedom (CCHF, www.cchfreedom.org), a Minnesota-based national organization dedicated to preserving patient-centered health care and protecting patient and privacy rights, says that as the next open enrollment period approaches on November 15, the uninsured should think twice—actually 7 times—about enrolling in Obamacare.
“Obamacare is fraught with problems,” Brase said, “and citizens have the choice to stay away from this federal health care plan in 2015. Experts in the health care field were wary of Obamacare long before the rollout, and this past year has proven them right.”
Those who are currently uninsured or want to change their plan can do so next month, when the “marketplace” opens again and remains open through February 15, 2015.
Brase gives the following 7 smart reasons not to enroll:
- Higher premiums—The higher cost of coverage, due to new taxes and mandates, is unaffordable for many, even with federal taxpayer-funded premium subsidies.
- Limited choice of providers—Many health plans offering coverage through the few state exchanges and the federal exchange at HealthCare.Gov have cut the choices of doctors, clinics and hospitals, creating “narrow networks.”
- Limited choice of coverage—Obamacare coverage options are HMO-like managed care plans offering federally approved “qualified health plan” policies. Catastrophic major medical plans, or true insurance, have been outlawed by Obamacare except for individuals age 29 and younger.
- Privacy intrusions—The federal government collects data on individuals, employers and navigators from application forms, state databases, health plans and other sources to track and store data on household income, tax status, employment, family status, health, citizenship, insurance status, incarceration and more. “Nothing is private,” Brase says.
- No private insurance—Obamacare, which requires application to the federal government, is “Medicaid for the middle class” or, simply, a second-tier Medicaid program.
- IRS enforcement and “clawbacks”—Most are unaware that they may be subject to expensive repayments to the IRS, or “clawbacks,” if their status changes during the coverage year. Individuals must check in with the government exchange if a patient’s financial or family status changes. Meanwhile, the financial accountability system won’t be ready until 2016. Can you trust the IRS, accused of unfairly targeting conservative organizations, with your finances?
- States and insurance companies are dumping Obamacare—39 states either declined to set up state health care insurance exchanges in the first place or started them and then backed away because of various problems. Likewise, at least one insurance company has pulled out of the government health care plan. PreferredOne Health Insurance, the insurance company with the most customers signed up for Obamacare in Minnesota, stated recently that continuing into 2015 is “not sustainable.” Brase predicts that other insurance companies will follow.
Brase says there are three legal ways to avoid signing up for government-run health care coverage altogether, which puts Americans’ private medical data at risk, compromises care, ties the hands of medical professionals and takes more money out of Americans’ pockets.
- Buy private insurance outside of the government exchanges, such as a private policy, employer-sponsored coverage or a private insurance exchange.
- Pay the penalty tax in 2016 for being without coverage in 2015. In 2015, the penalty tax increases to 2 percent of net income or $325, whichever is greater—still less expensive and less risky than high government premiums.
- Claim one of the 9 Obamacare exemptions, or one of the 14 hardship waivers.
Celebrating its 20th year, Citizens’ Council for Health Freedom is a patient-centered national health freedom organization based in St. Paul, Minn. CCHF exists to protect health care choices and patient privacy. CCHF sponsors the daily, 60-second radio feature, Health Freedom Minute, which airs on more than 150 stations nationwide on the American Family Radio Network and 90-plus stations on the Bott Radio Network. Listeners can learn more about the agenda behind proposed health care initiatives and steps they can take to protect their health care choices, rights and privacy.
CCHF president and co-founder Twila Brase, R.N., has been called one of the “100 Most Powerful People in Health Care” and one of “Minnesota’s 100 Most Influential Health Care Leaders.” Brase, a public health nurse, has been interviewed by CNN, Fox News, Minnesota Public Radio, NBC Nightly News, NBC’s Today Show, NPR, New York Public Radio, the Associated Press, Modern Healthcare, TIME, The Wall Street Journal, The Washington Post and The Washington Times, among others. She is at the forefront of informing the public of crucial health issues, such as intrusive wellness and prevention initiatives in Obamacare, patient privacy, informed consent, the dangers of “evidence-based medicine” and the implications of state and federal health care reform.
For more information or to interview Twila Brase, president and co-founder of Citizens’ Council for Health Freedom, contact Deborah Hamilton, Hamilton Strategies, 215.815.7716, 610.584.1096, DHamilton@HamiltonStrategies.com.