15 year later: Obamacare

[Nostra]

False, the median deductible among selected plans is zero.

2014-2025 OEP Plan Design Public Use File

Lies.

 

[Toddsterpatriot]

False, the median deductible among selected plans is zero.

2014-2025 OEP Plan Design Public Use File

Not common? That doesn't sound like the median plan.

 

[Greenbeard]

View attachment 1183235

Not common? That doesn't sound like the median plan.

AI is never going to be able to teach you how to think. (Nor, for that matter, am I, unfortunately.)

But I'll try again. Plan design and enrollment is tracked by the marketplace and you can literally just look up what the median deductible for selected plans has been every year since 2014: 2014-2025 OEP Plan Design Public Use File. Maybe your AI can read the file to you.

 

[Toddsterpatriot]

AI is never going to be able to teach you how to think. (Nor, for that matter, am I, unfortunately.)

But I'll try again. Plan design and enrollment is tracked by the marketplace and you can literally just look up what the median deductible for selected plans has been every year since 2014: 2014-2025 OEP Plan Design Public Use File. Maybe your AI can read the file to you.

Post the portion of your zip file that supports your claim.

 

[Greenbeard]

Post the portion of your zip file that supports your claim.

Here you go, highlighted in yellow for you and everything.

 

[Blaster]

Obama-care is on its death bed.

 

[Mashmont]

punish people for getting sick.

Sounds like a leftwing nonsense phrase. What does that mean? People shouldn't pay for insurance?

 

[Toddsterpatriot]

Here you go, highlighted in yellow for you and everything.

Wow!
Those are some huge COVID subsidies that are going away.

 

[Mashmont]

I think if you're an obese fatass, you shouldn't get free health care. Just like obese fatasses shouldn't get handicapped parking.

The way to lose weight is well-documented. Limit sugar intake to almost nil. No processed foods. Walk an hour or do some other cardio an hour a day. Lift weights. Do these things and you will be unrecognizable in six months. 99% of the people can do this.

 

[Nobody911]

Not fully true — the claims are exaggerated and factually mixed.

Why:

- "Obamacare has officially failed. It took 15 years, but it has failed."
- False as an absolute. The Affordable Care Act (ACA, “Obamacare”) produced measurable outcomes (millions gained coverage, protections for preexisting conditions, Medicaid expansion in many states, marketplace subsidies). It also left unresolved problems (coverage gaps in non‑expansion states, affordability for some, insurer exits in some markets). Whether it “failed” depends on which goals you measure; it succeeded on coverage expansion and consumer protections but struggled on cost-control and universal coverage.

- "If you liked your doctor, you didn't get to keep your doctor."
- Misleading. Some people did lose plans or networks when insurers changed offerings early on (2013–2014) and some narrow‑network plans limited provider choice. But many people retained their doctors, especially those with employer plans or on Medicare/Medicaid. The ACA did not universally force everyone to change doctors.

- "If you liked your healthcare plan, you didn't get to keep your healthcare plan."
- Partly true for a subset. Early after ACA implementation, some individual market plans that didn’t meet new minimum standards were discontinued; that prompted the oft‑quoted “you can keep your plan” controversy. But the ACA also created standardized, more comprehensive plans and subsidies. Employer‑sponsored plans typically continued.

- "Obamacare didn't bring down costs a single penny."
- False. Trends are complex: growth in per‑person health spending slowed in some post‑ACA years, and marketplace premiums rose in some places and fell in others. The ACA implemented cost‑control measures (Medicaid expansion, payment reforms, preventive care coverage, subsidies, and the Medicare Part D "donut hole" closure) that affected costs differently for different groups. Overall healthcare spending in the U.S. remains high, and affordability remains a problem, so saying it didn’t reduce costs “a single penny” is incorrect.

- "Obama lied."
- This asserts intent and a criminally dishonest claim. Factually, the administration said many times that people could keep plans that met new standards; when some plans were canceled for not meeting ACA requirements, the administration acknowledged the problem and issued fixes (temporary waivers, short‑term relief). Whether that constitutes a deliberate lie vs. an overstatement or policy consequence is a political judgment, not an undisputed fact.

Here are reliable sources you can use as evidence on ACA outcomes (coverage, premiums, plan cancellations, costs, and the “you can keep your plan” controversy):

Major data & summaries

• Kaiser Family Foundation (KFF) — “The Affordable Care Act 101” and KFF Health System Tracker (coverage, Medicaid expansion, marketplace enrollment, premiums): Affordable Care Act - Research and Data from KFF and Home - Peterson-KFF Health System Tracker
• Congressional Budget Office (CBO) — periodic reports on ACA effects, coverage, and federal costs (search “CBO effects of the Affordable Care Act”): https://www.cbo.gov
• Centers for Medicare & Medicaid Services (CMS) — marketplace enrollment press releases and Marketplace Open Enrollment snapshots (e.g., 2024–2025 enrollment): Newsroom Homepage | CMS
• Congressional Research Service (CRS) — background and policy briefs on ACA provisions and impacts: https://crsreports.congress.gov

Coverage gains and Medicaid expansion

• CBPP (Center on Budget and Policy Priorities) — “Entering Their Second Decade, Affordable Care Act Coverage Expansions Have Helped Millions…” (coverage gains, Medicaid expansion impacts): Homepage
• Census Bureau & NHIS — uninsured rate trends pre‑ and post‑ACA (U.S. Census: Health Insurance Coverage reports; NHIS data): Census.gov | U.S. Census Bureau Homepage and https://www.cdc.gov/nchs/nhis/index.htm

Premiums, affordability, and subsidies

• KFF analyses of marketplace premium and subsidy effects (including ARP/IRA enhancements): Issue Brief Examines the Experiences of Five States During Year Two of Affordable Care Act Coverage Expansions | KFF
• CMS Marketplace data & agency analyses on premium changes and subsidy use: Health Insurance Marketplace | CMS
• Urban Institute and RAND Institute studies on premium trends and affordability (search site for ACA premium analyses): Driving impact by equipping changemakers with evidence and solutions. | Urban Institute, https://www.rand.org

Plan cancellations and the “you can keep your plan” issue

- News reporting and official White House responses from 2013–2014 (explain cancellations of non‑compliant individual market plans and administration’s subsequent fixes). Useful contemporaneous sources:
- White House fact sheets / statements archived (search “you can keep your plan” White House 2013 statement)
- Congressional Research Service briefs on market transitions
- Major press coverage (e.g., New York Times, Washington Post) summarizing the controversy and administrative responses

Costs and spending trends

• Centers for Medicare & Medicaid Services — National Health Expenditure (NHE) data and analyses of spending growth: https://www.cms.gov/research-statis...-and-reports/national-health-expenditure-data
• Office of the Actuary (CMS) and CBO analyses on long‑term cost effects and federal budget impact: https://www.cbo.gov and Home - Centers for Medicare & Medicaid Services | CMS

Fact‑checks and summaries about claims of “failure” or lies

- PolitiFact and FactCheck.org — fact checks on “you can keep your plan” and other ACA claims: PolitiFact and FactCheck.org

How to quickly use these:

• For coverage totals and enrollment trends: use KFF and CMS enrollment snapshots.
• For uninsured‑rate changes: use U.S. Census reports.
• For premium/subsidy impacts: use KFF analyses and CMS marketplace reports (look for ARP/IRA effects).
• For the “you can keep your plan” timeline and administration response: use White House archives + major news fact‑checks (PolitiFact/FactCheck).

 

[Man With A Plan]

The coverage provisions in the ACA make insurance affordable via tax credits to defray premium costs. That's what the law is, how is this a revelation after fifteen years?



It did bend the curve, but that doesn't "make subsidies unneeded."

It was supposed to bend the curve DOWN, Greenbeard! That hasn't happened. Healthcare premiums have gone up. Now the Democrats are back looking for Billions more from taxpayers to make Obamacare "affordable"! It was always a scam.

 

[22lcidw]

Catastrophic? People still can't afford regular health care costs.

It's a mistaken notion that subsidized costs makes things more affordable. Those subsidized costs still have to be paid and Democrats have refused to address that.

Why? They had the chances. The first two years of Joe was their golden opportunity. Why? They are frauds. Many are lower IQ with personal views depending on the group and groups they are in. Something has to be done. And you are the party of those answers. And you are frauds.

 

[pknopp]

Why? They had the chances. The first two years of Joe was their golden opportunity. Why? They are frauds. Many are lower IQ with personal views depending on the group and groups they are in. Something has to be done. And you are the party of those answers. And you are frauds.

I condemned Biden for doing nothing so try again.

 

[Missouri_Mike]

ACA marketplace premiums were flat the entire time the enhanced subsidies were in effect. They're only jumping now that the GOP has taken control and is ending them.

Amazing! The government paid the premiums and they stayed flat.

 

[Maxdeath]

Nominal numbers always go up over time. Society's resources and income also go up over time. A graph of nominal spending numbers doesn't tell you anything.

The way to understand if health care is becoming more costly is to ask whether it costs more of society's resources or households' income to secure it.

Historically it has always cost more of both over time because historically health care costs have gone up. In the ACA era, that stopped.

Average annual growth

	Per Capita Health Care Cost Growth​	Per Capita GDP Growth​	Per Capita Income Growth​	Excess Health Care Cost Growth (vs. GDP)​	Excess Health Care Cost Growth (vs. income)​
Pre-ACA Era (1960-2009)	8.6%​	5.8%​	5.9%​	2.8%​	2.6%​
ACA Era (2010-2023)	4.3%​	4.2%​	4.3%​	0.1%​	0%​

So you are claiming that the democrats had no need to increase ACA spending with increased subsidies nor did they need to shut down the government to keep those subsidies in place. Well have to give you credit for proving that not only did the think tanks get it wrong but almost every democrat got it wrong

 

[hadit]

You do realize that what you are showing is is because subsidies were in place. Which in affect caused the government to pick up the tab of the increasing healthcare. Without the government picking up the tab of course healthcare will go up.
Look at it this way. If a renter says they will pay you $800.00 a month and you have a $1000.00 mortgage. You are only paying $100.00 a month on that mortgage. Now if the renter stops paying, the amount you are paying has now increased to $1000.00 dollars. The amount owed each month is still flat nothing changed. Only the amount that you recieved in help from your renter changed.

And, in this case, the insurance companies, knowing that the subsidies are in place and customers are not paying the whole fee, are free to raise their prices even higher. It happened to tuition when the government started picking up some of the costs and is happening in healthcare.

Whenever the government picks up some of the cost, prices go higher.

 

[Nostra]

Barrycare is still UNAFFORDABLE.

What a clusterfuck.

 

[schmidlap]

Obamacare has officially failed. It took 15 years, but it has failed.

If you liked your doctor, you didn't get to keep your doctor.

If you liked your healthcare plan, you didn't get to keep your healthcare plan.

Obamacare didn't bring down costs a single penny.

Obama lied.

Remember these geniuses telling saying that you had to pass the bill, to find out what was in the bill?

Here's what was in the bill:

Republicans have been bitching about, failing to maintain, and trying to kill nationalized RomneyCare for a decade-and-a-half.

Nearly 80% Of Americans And 57% Of MAGA Republicans Want ACA Tax Credits​

Now, Americans will finally get to see unveiled TrumpCare that they have had all those years to perfect.

​

Trump’s ‘new’ healthcare idea is a painful prescription for working Americans​

 

[SassyIrishLass]

Barrycare is still UNAFFORDABLE.

What a clusterfuck.

Totally fckd up healthcare for working people