Skip to comments.With His Premiums More Than Doubling, This Dad Would “Rather File Bankruptcy” Than Deal with O
Posted on 10/23/2013 1:05:25 PM PDT by lowbridge
Ben Neptun and his wife Charla are furious their familys 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 fivea 15-year-old, a 2-year-old, and a 10-month-oldBen said theres 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 ...
Obamacare is intended to punish families, particularly conservatives.
Who did he vote for?
Holders people and illegal aliens need your money, dude. That is where the extra money goes.
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”.
Obama wants you to suffer, Ben. Obamacare, therefore, is a success. Might as well change yer last name to Dover.
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.
They work. Obamacare is designed to reward those who don’t work by making those that do work pay more.
He’s right. Even with the subsidy, he’s out an additional $350 a month:
That's the whole thing in a nutshell, Ben..............
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$$es, Ben is one of the 1%. Communism (aka economic justice) sucks, doesn’t it Ben?
The circumstances will differ but the bottom line is going to be the same for millions of families. A reckoning is coming. People will do what they have to do to survive.
Bankruptcy doesn’t get you out of having to play the game Obamacare.
They are just racist, rich Americans that care about no one else that come from a country that enslaved people.
All this government is about hate of American people. It is all liberals care about.
I just found that book yesterday, is in the book also?
Maybe I should read this thing?
yes it is
I don’t think bankruptcy will solve his problem. It would only complicate them even more............
That’s about it in a nutshell. Well said.
Obamacare is designed to reward those who dont work by making those that do work pay more.
Redistribute the wealth.
Let the $$$ 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....
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.
:: 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.
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.
That was a profound scene.
The fundamental transformation of America.
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.
Name me one scandal Darryl Issa has “gotten to the bottom of”. The answer of course is exactly zero.
I wonder if self-insurance is an option?
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.
The architecture of checks and balances is there. The jerks we have elected have abandoned using it.
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.
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.
He should look into Health Spending accounts.
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.
Yes....did he vote for My Hopey Changey?
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!
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.
Well when was the last time Alabama voted for a demonrat?
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.
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....
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!
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’.
A lot of people may go John Galt over this
And it is going to devastate the economy.