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ACA I, II, III - Why the Affordable Care Act Should Be Repealed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



Single-Seller "Marketplace"

Single-Seller 'Marketplace'

Is there only ONE marketplace in America? According to the U.S. Department of Health and Human Services (HHS), individuals should go to THE "Health Insurance Marketplace" to buy health insurance.

Reality #3 – Obama's Bluff - the "Federal Health Exchange"

Reality #3 – Obama's Bluff - the 'Federal Health Exchange'

Although language for a "federal" health insurance exchange exists in Obama's reform law, it's essentially a bluff. The federal government never intended to create it. They don't want to create it. They didn't even give themselves money to create it. 

Ten States to Connect with “Federal Surveillance Center”

Ten States to Connect with “Federal Surveillance Center”

The federal health department recently granted $1.5 billion in aid to states actively building their health insurance exchanges – government entities that feed private data into a ‘Federal Surveillance Center’ that has access to a wide variety of data about all Americans and makes it available to state and federal government agencies...

Reality #2: It’s Not Travelocity!

Reality #2: It’s Not Travelocity!

The Minnesota Health Insurance Exchange (MNHIX) has been compared to Travelocity. Proponents have called it a “marketplace.” However, one look at the diagram below – created by reading the State’s detailed contract with Maximus, Inc, which is building the Exchange -- makes it clear that this is not Travelocity. This is a government bureaucracy. It’s big. It’s intrusive. And it’s a state agency under federal control. The contract even calls it the “federal MNHIX.”

Reality #1: Not A Marketplace

Reality #1: Not A Marketplace

The “Minnesota Insurance Marketplace” in Senate File 1/House File 5 is not competitive, limits citizens’ choice of health insurance options, expands government dependency (premium subsidies for middle class/Medicaid expansion), is managed by unelected state workers, is under federal control (law/regulations), and operates through the online transfer of vast quantities of personal data on individuals from state and federal government.  

MN Health Insurance Exchange Realities

Minnesota Health Insurance Exchange Diagram

Minnesota Health Insurance Exchange Diagram

Minnesota Legislation: Senate File 1/ House File 5

Adding Minnesotans to “the largest consolidation of personal data in the history of the republic” - USA TODAY

01/16/13 - CCHF Testimony on SF 1 - Minnesota Insurance Marketplace Act

01/16/13 - CCHF Testimony on SF 1 - Minnesota Insurance Marketplace Act

"The bill title says that this is a marketplace but according to the bill on line 2.21 the marketplace is created as a board ... Just the fact that we keep talking about a marketplace is problematic to our organization because it is actually a state board ... but the really big deal is to understand that it is the largest data sharing system in the history of this country and it will be the largest data sharing system in the history of this state."

Deceptive Bill Sells PPACA Exchange as One-Stop “Marketplace” for Health Insurance

Deceptive Bill Sells PPACA Exchange as One-Stop “Marketplace” for Health Insurance

As Minnesota convened its first session of its 88th Legislature, the Senate’s most important priority was to introduce and begin passage of Senate File 1: a bill for an act relating to commerce and establishing the Minnesota Insurance Marketplace. According to the Citizens’ Council for Health Freedom (, the bill is deceptive in several ways, most notably in its description of the state healthcare exchange

The Latest Perils of Obamacare

The Latest Perils of Obamacare

Obamacare is coming. Soon everyone will feel the painful realities of what the Democrat-empowered Congress imposed on the nation. It's going to be more painful than many experts predicted. Besides the negative impact on quality of care, there will also be significant cost increases leading to reduced access to health insurance and patient care.