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What comes at this point are all the people who didn’t really question anything...just voted...assuming that things were just going to stay the same with them.

Now forced to check out other plans and find other options...each will find a frustrating month ahead of them. It’s bound to be wrapped up in cost issues and higher deductibles...which relate to up-front costs that you (the consumer) will pay and regret as you get into 2014.

Now, a little note to all on investing for 2014. If you come around to mid-December, and no reprieve has been granted by Congress or the President, and it’s bound to look doubtful....then you need to take a chunk of your investment portfolio and put it into one of the top ten health insurance companies in America for 2014. The reason? This higher deductible game that everyone is being forced into....means generally more profit in the companies account at the end of 2014. Profits will soar, and the President will be standing there with no explanation as to why the profits soared....while citizens paid more for health insurance. My humble guess is that if you keep your money invested for all of 2014...figure by late spring 2015...a forty to fifty percent growth in the stock price, with excellent dividends. You might actually make enough to pay for all your health insurance costs for 2014.

Funny, how the real world operates.

Good advice. Since the high risk pool is being forced into the exchanges at tax payer expense, who’s left for private insurance are the healthier, paying customers. Those are the ones insurance companies thrive on. Record profits next year for them.

Wonder what Obama’s going to tell them they have to do today at that meeting. No doubt he’s going to strong arm them into kicking in a bunch of money for the geek team coming in to fix the website. They’ve already been hit up for this, but they’ll be hit up again.

This higher deductible game that everyone is being forced into....means generally more profit in the companies account at the end of 2014.

How right you are. Not only are the deductibles huge - $12,000 for a family of 4 in New Hampshire - but at least in our state there are no benefits for out of network hospitals and doctors. And the network doesn't include many hospitals in New Hampshire, and none of the research hospitals in Boston where truly sick patients all go for specialized care.

So the insurance company writing the policies in New Hampshire won't be paying for high risk pregnancies, neonatal intensive care, childhood cancers, severe burn treatment, transplants, or all the other complex medical procedures which are handled by specialists at the research oriented hospitals in Boston.

Basically they aren't insuring much of anything. If you or a family member are sick enough to cross the deductible threshold your doctor has probably already referred you to a specialist. And previously your insurance would have payed, even if the specialist was out of network. Not anymore, the Obamacare policies in our state at least don't provide you any insurance coverage for the critical care you or your kids need if you are really sick or injured.

And one more thing - the lowest premium is around $1300 per month, so the insurance company brings in $15,600 per year against a policy with a $12,000 deductible. Hard not to make a profit at that!

Don’t be too sure about high-deductible plans reaping huge profits, although there is a tendency for people to skip getting treatment until their problem is really severe. Usually by going to the ER

This will bend the cost curve in the wrong direction. Up.

Also the ACA has required since 2011 that insurers rebate their gains if claims expenses are less expected.

So . . profits are mailed back to the customers. Losses are eaten by stockholders. It’s what’s called asymmetric risk.