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With His Premiums More Than Doubling, This Dad Would “Rather File Bankruptcy” Than Deal with O
http://blog.heritage.org ^ | october 23, 2013 | Kelsey Harris

Posted on 10/23/2013 1:05:25 PM PDT by lowbridge

Ben Neptun and his wife Charla are “furious” their family’s health insurance premium will be raised from $419 to $899 per month because of Obamacare.

“We will absolutely go in a hole with this change,” Ben said.

Ben, 36, and Charla, 34, are both home health nurses in Mobile, Alabama. They each make about $23 an hour and have spent the last year learning how to budget and recover from debt acquired in previous marriages. With a blended family of five—a 15-year-old, a 2-year-old, and a 10-month-old—Ben said “there’s no room for several hundred dollars extra per month” in their budget.

The Neptun family buys their insurance directly from Blue Cross Blue Shield and spends about $2,000 a year on health care for the family, not including the monthly premium. So when Ben received a letter from Blue Cross explaining health insurance rates were increasing to comply with the new Obamacare regulations, he was angry. The new regulations in Obamacare force healthy families like his to “spend a boatload for nothing,” he explained.

(Excerpt) Read more at blog.heritage.org ...


TOPICS: Culture/Society; News/Current Events; US: Alabama
KEYWORDS: healthcare; obamacare; obamacareanecdotes; obamacaredefrauds; obamacarerollout
Full title: With His Premiums More Than Doubling, This Dad Would “Rather File Bankruptcy” Than Deal with Obamacare
1 posted on 10/23/2013 1:05:25 PM PDT by lowbridge
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To: lowbridge

Obamacare is intended to punish families, particularly conservatives.

http://thehayride.com/2013/10/the-intolerable-act-tales-from-obamacares-war-on-the-middle-class/


2 posted on 10/23/2013 1:06:50 PM PDT by Pining_4_TX (All those who were appointed to eternal life believed. Acts 13:48)
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To: lowbridge

Who did he vote for?


3 posted on 10/23/2013 1:07:17 PM PDT by Uncle Miltie ("So the minimum plan for obamacare is 100 bucks a month I like you Obama but nigga I'm broke")
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To: lowbridge

Nothing?

Holders people and illegal aliens need your money, dude. That is where the extra money goes.


4 posted on 10/23/2013 1:07:25 PM PDT by GeronL
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To: GeronL

As Dr. Zhivago in the movie of the same name said when returning to Moscow after the civil war and found his mansion filled with Communists: “I guess it is only fair”.


5 posted on 10/23/2013 1:10:18 PM PDT by hal ogen (First Amendment or Reeducation Camp?)
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To: lowbridge
Ben said “there’s no room for several hundred dollars extra per month” in their budget.

Obama wants you to suffer, Ben. Obamacare, therefore, is a success. Might as well change yer last name to Dover.

6 posted on 10/23/2013 1:10:34 PM PDT by Ezekiel (The Obama-nation began with the Inauguration of Desolation.)
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To: lowbridge

7 posted on 10/23/2013 1:12:51 PM PDT by Red Badger (The only way to defeat liberalism is to give them everything they want......then pick up the pieces.)
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To: Uncle Miltie
Who did he vote for?

Can't say for sure, but they live in Alabama, they're married, and Dad is has a high-and-tight. I'm guessing they aren't Obama voters. Obama voters wouldn't be complaining to a conservative publication anyway.

8 posted on 10/23/2013 1:13:31 PM PDT by ottbmare (the OTTB mare, now a proud Marine Mom)
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To: lowbridge

They work. Obamacare is designed to reward those who don’t work by making those that do work pay more.


9 posted on 10/23/2013 1:13:42 PM PDT by LowTaxesEqualsProsperity
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To: lowbridge

He’s right. Even with the subsidy, he’s out an additional $350 a month:

http://kff.org/interactive/subsidy-calculator/#state=&zip=&income-type=dollars&income=95680&employer-coverage=0&people=5&alternate-plan-family=individual&adult-count=2&adults[0][age]=36&adults[0][tobacco]=0&adults[1][age]=34&adults[1][tobacco]=0&child-count=3&child-tobacco=0


10 posted on 10/23/2013 1:14:01 PM PDT by Zhang Fei (Let us pray that peace be now restored to the world and that God will preserve it always.)
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To: GeronL
The new regulations in Obamacare force healthy families like his to “spend a boatload for nothing,” he explained.

That's the whole thing in a nutshell, Ben..............

11 posted on 10/23/2013 1:14:20 PM PDT by Red Badger (The only way to defeat liberalism is to give them everything they want......then pick up the pieces.)
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To: lowbridge

Apparently Ben wasn’t aware that he is a producer, not a taker; therefore, Ben is “rich” by Demonic Party standards, someone to be punished. To the takers, the parasites that vote for the Demonic reps to steal money from producers to give to their worthless, pathetic, and ignorant a$$es, Ben is one of the 1%. Communism (aka economic justice) sucks, doesn’t it Ben?


12 posted on 10/23/2013 1:16:36 PM PDT by Common Sense 101 (Hey libs... If your theories fly in the face of reality, it's not reality that's wrong.)
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To: lowbridge
With a blended family of five—a 15-year-old, a 2-year-old, and a 10-month-old—Ben said “there’s no room for several hundred dollars extra per month” in their budget.

The circumstances will differ but the bottom line is going to be the same for millions of families. A reckoning is coming. People will do what they have to do to survive.

13 posted on 10/23/2013 1:17:34 PM PDT by TigersEye (Stupid is a Progressive disease.)
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To: lowbridge
He expected chicken salad? Not with those ingredients.
14 posted on 10/23/2013 1:17:56 PM PDT by JPG (Yes We Can morphs into Make It Hurt.)
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To: lowbridge
Obama is destroying the lives of two groups of people:

1. poor families with kids

2. those who don't have anything to lose and likely never will at this rate

I frequently think about the things I'll do to leftists if they don't back down. None of them can be typed here.
15 posted on 10/23/2013 1:18:30 PM PDT by Wanderer99
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To: lowbridge

Bankruptcy doesn’t get you out of having to play the game Obamacare.


16 posted on 10/23/2013 1:20:12 PM PDT by digger48
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To: lowbridge

They are just racist, rich Americans that care about no one else that come from a country that enslaved people.

All this government is about hate of American people. It is all liberals care about.


17 posted on 10/23/2013 1:21:10 PM PDT by edcoil (System now set up not to allow some to win but for no one to lose!)
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To: hal ogen

I just found that book yesterday, is in the book also?

Maybe I should read this thing?


18 posted on 10/23/2013 1:26:02 PM PDT by GeronL
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To: Red Badger

yes it is


19 posted on 10/23/2013 1:26:15 PM PDT by GeronL
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To: GeronL

I don’t think bankruptcy will solve his problem. It would only complicate them even more............


20 posted on 10/23/2013 1:27:52 PM PDT by Red Badger (The only way to defeat liberalism is to give them everything they want......then pick up the pieces.)
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To: LowTaxesEqualsProsperity

That’s about it in a nutshell. Well said.


21 posted on 10/23/2013 1:28:30 PM PDT by ArmyTeach ( Videteco eos prius (See 'em first) Sculpin 191)
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To: LowTaxesEqualsProsperity

Obamacare is designed to reward those who don’t work by making those that do work pay more.


Redistribute the wealth.

Let the $$$ role in to the politicians in form of campaign contributions from those companies that will profit from this scam.....

Hell with the rest of the population who actually contribute to society....

Your time is over....


22 posted on 10/23/2013 1:28:35 PM PDT by patriotspride
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To: Uncle Miltie

Demographics suggest Republicans. I need more stories about Democrats getting it between the eyes...need my Schadenfreude fix. Can’t get it watching conservatives suffer.


23 posted on 10/23/2013 1:29:48 PM PDT by Mamzelle
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To: lowbridge

:: Ben, 36, and Charla, 34, are both home health nurses in Mobile, Alabama ::

I think i see the problem here.

Full time employment and income that can be better used to serve welfare recipients.


24 posted on 10/23/2013 1:29:55 PM PDT by Cletus.D.Yokel (Catastrophic Anthropogenic Climate Alterations - The acronym explains the science.)
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To: lowbridge

These notifications of insurance price increases due to Obamacare is a free ad for Cruz Republicans.

Too bad the RNC is too stupid to use these notifications in a national ad campaign against democrats.


25 posted on 10/23/2013 1:30:38 PM PDT by RginTN
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To: hal ogen
As Dr. Zhivago in the movie of the same name said when returning to Moscow after the civil war and found his mansion filled with Communists: “I guess it is only fair”.

That was a profound scene.

26 posted on 10/23/2013 1:31:50 PM PDT by VRW Conspirator (Producing Talk Show Prep since 1998.)
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To: lowbridge

The fundamental transformation of America.


27 posted on 10/23/2013 1:32:48 PM PDT by VRW Conspirator (Producing Talk Show Prep since 1998.)
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To: TigersEye

The take-home message for the last five years has been no matter how destructive, inept, or lawless the administration, no one in a position to do so will lift a finger to stop it. All that stuff about “checks and balances” we learned about in school was a fairy tale.


28 posted on 10/23/2013 1:34:58 PM PDT by SpaceBar
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To: SpaceBar

Name me one scandal Darryl Issa has “gotten to the bottom of”. The answer of course is exactly zero.


29 posted on 10/23/2013 1:36:15 PM PDT by SpaceBar
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To: lowbridge

I wonder if self-insurance is an option?


30 posted on 10/23/2013 1:37:01 PM PDT by PGR88
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To: lowbridge

With most of these, it’s not just the premiums, but the deductibles are outlandish. $6k per covered person is what I’ve heard in some cases.


31 posted on 10/23/2013 1:37:16 PM PDT by MrB (The difference between a Humanist and a Satanist - the latter admits whom he's working for)
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To: lowbridge

32 posted on 10/23/2013 1:37:44 PM PDT by Boogieman
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To: SpaceBar

The architecture of checks and balances is there. The jerks we have elected have abandoned using it.


33 posted on 10/23/2013 1:38:55 PM PDT by TigersEye (Stupid is a Progressive disease.)
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To: lowbridge

He would rather have a judge decide how to pay his bills.

I presume the judge will find health care payments top priority, whilst credit card / automobile / alimony obligations waivable.

An unintended consequence for sure.


34 posted on 10/23/2013 1:39:58 PM PDT by cicero2k
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To: lowbridge

Repeat this story a million times across the country.

OTOH, the couple in this story made some bad moves in their lives, divorce, debt, remarriage and all. Call Dave Ramsey.


35 posted on 10/23/2013 1:41:54 PM PDT by lurk
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To: lowbridge

He should look into Health Spending accounts.


36 posted on 10/23/2013 1:41:56 PM PDT by sickoflibs (To GOP : Any path to US Citizenship IS putting them ahead in line. Stop lying about your position)
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To: VRW Conspirator; hal ogen
As Dr. Zhivago in the movie of the same name said when returning to Moscow after the civil war and found his mansion filled with Communists: “I guess it is only fair”.

That was a profound scene.

Yes, especially as you noticed that he is trying to kindly say the words that he doesn't really mean, but knowing he must say them to protect his family from being booted in the street by the lowlife parasites that have taken over his home.

How long before this happens here? They'll keep raising the insurance rates until middle class Americans can't pay their mortgage, then give their foreclosed homes to "needy" entitlement parasites.

37 posted on 10/23/2013 1:43:53 PM PDT by boxlunch (Psalm 2)
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To: Uncle Miltie

Yes....did he vote for My Hopey Changey?


38 posted on 10/23/2013 1:46:37 PM PDT by dennisw (The first principle is to find out who you are then you can achieve anything -- Buddhist monk)
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To: lowbridge
RE :”The new regulations in Obamacare force healthy families like his to “spend a boatload for nothing,” he explained.”

Not true, his new Obamacare policy covers his pregnancy(ies) , mental health and drug addiction treatments now.

We are a civil society now, PAY YOUR FAIR SHARE!

39 posted on 10/23/2013 1:47:01 PM PDT by sickoflibs (To GOP : Any path to US Citizenship IS putting them ahead in line. Stop lying about your position)
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To: RginTN
Too bad the RNC is too stupid to use these notifications in a national ad campaign against democrats.

This implies the RNC disagrees with the direction the United States is taking while being led by Great Leader.
40 posted on 10/23/2013 1:50:00 PM PDT by AD from SpringBay (http://jonah2eight.blogspot.com/)
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To: lowbridge

Mandated liability insurance had the same affect on auto insurance, and each mandated requirement sends costs up. All the insurance companies have to meet minimum mandates from Obamacare, and prices go up. In many instances people are paying for insurance they don’t need, and they will be paying more in deductibles for the healthcare they do get. Back in the day when Obama had to borrow money to get into the Democratic Convention, he couldn’t have afforded what is being forced on Americans.


41 posted on 10/23/2013 2:04:50 PM PDT by pallis
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To: lowbridge

Well when was the last time Alabama voted for a demonrat?


42 posted on 10/23/2013 2:15:50 PM PDT by TomasUSMC
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To: digger48

From a pro Obamacare website ,, it seems bankruptcy does exempt you... if you didn’t mind “going Galt” and living on a cash basis you could play this exempt game for a few years at least... I think he or his wife should develop a back problem and go on disability.
******************************
Another set of Obamacare exemptions focus on individuals facing “hardships,” which includes being homeless, being in jail, recently filing for bankruptcy, being a recent victim of domestic violence, or having been evicted in the past six months. Individuals are also exempt from Obamacare penalties if they experience a lapse in health coverage of less than three months in a calendar year. And non-US citizens are of course exempt.


43 posted on 10/23/2013 2:32:28 PM PDT by Neidermeyer (I used to be disgusted , now I try to be amused.)
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To: lowbridge

They can always run the numbers and see if divorce would work to their benefit...I’ve read that that could be an alternative.

Obamacare - ruining the family - one at a time - until they are all gone....


44 posted on 10/23/2013 2:42:14 PM PDT by libertarian27 (FreeRepublic Cookbooks 2011 & 2012 - Click Profile)
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To: lowbridge

The premimum’s are going up because all the policy’s have to be the same. One size fits all. They needed the woman’s vote so they mandated all policy’s must include maternity care and newborn care, plus free mammograms and contraceptives. I think they all have to include mental disease treatment and rehab treatment. All the same, whether you are 27 or 97 man or woman, married or single maternity care, newborn care, etc has to be included, they did it for the women!


45 posted on 10/23/2013 2:52:27 PM PDT by thirst4truth (www.Believer.com)
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To: patriotspride

People who work will not be able to get that boat, or build that deck, or get a new car. The money will go for health care for those who do not work. THIS is called ‘fairness’.


46 posted on 10/23/2013 3:22:46 PM PDT by fhayek
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To: lowbridge

A lot of people may go John Galt over this


47 posted on 10/23/2013 3:31:54 PM PDT by PATRIOT1876
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To: fhayek

And it is going to devastate the economy.


48 posted on 10/23/2013 4:46:29 PM PDT by informavoracious (Root for Obamacare and healthcare.gov failure!)
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To: Ezekiel
 photo OCareBohica_zpsbc16ad8c.jpg
49 posted on 10/23/2013 6:41:36 PM PDT by HotHunt
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