Health Exchanges -Obamacare
"The ACA cannot be implemented without an insurance exchange in each state. It's a go or it's a no-go. It's that simple." - As Robert Laszewski, president of Health Policy and Strategy Associates, Sept 2012, HealthDay.
"The exchange is the foundation of health care...Without these exchanges we're really not going to reform anything." - Terry Gardiner, national policy director for the Small Business Majority in 2010.
ACA I, II, III - Why the Affordable Care Act Should Be Repealed
"Refuse to Enroll" plus Billboard and Bus Shelter Posters
2014 Billboard Campaign
Three Legal Alternatives
** Although exchange supporters encourage insured individuals and families to try to find lower-cost taxpayer-subsidized coverage on the government exchange, there is no reason to change coverage if an individual or family currently has private health insurance that meets federal requirements.
9 Exemptions and 14 Hardship Waivers - Obamacare Mandate
Hardship Exemption Information:

Qualifications for Exemption from ACA Mandate
Application for Hardship Exemption to ACA Mandate
Health Insurance Exchanges - Top Ten Terribles
15 REASONS: Oppose Obamaʼs Health Insurance Exchanges
CCHF mailed letters to all 50 Governors asking them to refuse to set up a state-based federal exchange (Florida letter as example)
Private Health Insurance Exchanges
MN EXCHANGE DOCUMENTS - contracts, letters, rejection letter
FEDERAL EXCHANGE DOCUMENTS (limited list) - letters from Congress and Federal Departments
Press Releases
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April 04, 2023
CCHF’s Month-Long Educational Campaign Begins in April
ST. PAUL, Minn. — HIPAA became effective 20 years ago on April 14, 2003. For two decades, the American public has been led to believe that the “HIPAA Privacy Rule” protects their confidential medical records. To counter this false belief, the Citizens’ Council for Health Freedom will spend the month of April exposing HIPAA as a permissive data sharing rule.
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Action Alerts
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August 22, 2022
The Biden administration has issued a proposed anti-discrimination health care rule to force doctors to provide “gender-affirming care” regardless of moral or medical objections. Every institution that receives federal dollars would be required to comply. No exemptions. The deadline for public comments is Monday, Oct. 3, 2022. Make an official public comment: https://tinyurl.com/ycka42mw
Model Legislation
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April 19, 2020
State legislators, individuals are organizations can use this proposed legislation as a template for writing their own legislation to prohibit the implementation of a state-run, federally-run, or federally-facilitated health insurance exchange, as defined in sections 1311 and 1321 of Obamacare, the Patient Protection and Affordable Care Act (Public Laws 111-148 and 111-152). NOTE: The federal law does not require states to implement an exchange, and cannot force state legislatures to build a state-run exchange (unconstitutional commandeering), join in a federally-facilitated exchange (federally-run exchange with facade of state control), or share state data on individuals to allow the operation of a Federal Exchange run by HHS.
Press Releases
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March 18, 2019
ST. PAUL, Minn.—It’s an all-too-common problem many Americans have faced.
Patients visit a hospital or provider for a service or treatment they thought was “covered” by their insurance, only to receive a surprise medical bill weeks later with out-of-pocket costs totaling hundreds or even thousands of dollars.
eNews Commentary
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December 19, 2018
Republicans have pushed the mute button. On Friday evening, U.S. District Judge Reed O’Connor in Texas ruled the individual mandate unconstitutional and the ACA "invalid" but many Republicans are quiet as mice.
Press Releases
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December 17, 2018
ST. PAUL, Minn.—Independent doctors in Naples, Florida, and their patients recently got an unwelcome holiday surprise.
Press Releases
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December 10, 2018
ST. PAUL, Minn.—Just a few days remain in the open enrollment period for the Affordable Care Act (ACA), and for those still on the fence, Citizens’ Council for Health Freedom (CCHF) is sharing the top 10 reasons to “Refuse to Enroll.”
Press Releases
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October 15, 2018
ST. PAUL, Minn.—As Americans wait for Texas federal Judge Reed O’Connor to rule on the latest Obamacare case brought by 20 state attorneys general, the American public faces another open enrollment under the Affordable Care Act (ACA).
Press Releases
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September 04, 2018
ST. PAUL, Minn.—Stories abound about how Americans travel to other countries for medical treatment or surgeries. Do these citizens choose international care because it is better? Not necessarily. Because the recovery is faster? Not likely. It’s because the price of medical services is often higher in the U.S.—and part of the problem, says Citizens’ Council for Health Freedom (CCHF), is the government-mandated electronic health record (EHR).
eNews Commentary
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July 11, 2018
Is care at the end of life a waste of money? It has often been said, “Twenty-five percent of spending occurs in the last year of life.” The point of this claim is that we’re wasting money on those who are dying. It further supports rationing care to the elderly; redistributing dollars from the elderly to the young; and physician-facilitated suicide and euthanasia.