Ryan Lizza, Washington correspondent for The New Yorker, wanted to test the disastrous 404care website, so he hopped on HealthCare.gov and “set up an account with no trouble.” It seems that merely creating an account on the dysfunctional website is considered a rip-roarin’ success by the Obama administration, even if the person with the account is later stymied by errors.

Two White House staffers retweeted Lizza’s “no trouble” tweet from their official White House accounts.

Press secretary Jay Carney:

And senior communications adviser Tara McGuinness (who also promoted the false success story of fake Obamacare buyer Chad Henderson):

A little problem there, guys. Less than 40 minutes after tweeting about his successful account creation, Lizza was defeated by HealthCare.gov. Fancy that! Carney and McGuinness didn’t bother retweeting these tweets:

How’s that for context? The full story doesn’t matter much when you’re using the Chad Henderson standard of success.

Like Obama’s White House flunkies, Touré “selectively edited” the “glitch” tweets out of his celebration of Lizza’s success on “The Cycle.”

As of Friday night, Lizza reports that he is still unable to enroll or view eligibility results.

Lizza even brought Carney’s misleading retweet to his attention.

At the time this post was published, more than half a day had gone by since Lizza called out Carney’s retweet. It has not been deleted or corrected by the press secretary even though he continues to tweet.

And McGuinness is too busy spinning madly to worry about the pesky truth.

She didn’t respond publicly to Jake Tapper’s questions:

Because shaddup! Account created!

  • SawLogBackBone

    Too funny, too predictable.

    • RedSoloCup

      Your government at work.

      • Thomas, Snarkmaster General

        And remember, this was your government at work…during a government “shutdown.” Just imagine what they couldn’t do if they were totally on the job!

        • porkchop6209

          Broken washing machine stuck in spin cycle, still can’t get the dirt out. Re-Tweet that Mr. Carney.

      • IMPEACH_BOBO

        Just wait until these people find out how much this RAClST BOBOcare is going to cost them, I bet the website problems will seem trivial then !!! On the RAClST BOBOcare bronze plan, your deductible is over 5,000 dollars & for that high deductible you will get to pay 100 dollars a week for a single person & God only knows how much for a family, for the privilege of a 5,000 dollar deductible, thats INSANE !!!!! I hope these FREELOADERS understand that a 5,000 deductible means you pay everything until you hit that 5,000 dollar mark, then & only then will your RAClST BOBOcare kick in !!! Then BOBO is going to give Congress a subsidy of 70% , which is just fancy talk for me & you will pay that subsidy with our tax dollars, on top of the salary we pay them already thru our taxes !!!!!

        Then there are the over 1,200 waivers for businesses that me & you again will be making up for with our own BOBOcare premiums on this RAClST law !! Now don’t forget the 30 MILLION new FREELOADERS who will get free healthcare while me & you pay out the nose for ours & theirs !!!! It looks a lot like BOBO got his REDISTRIBUTION OF WEALTH BS that he couldn’t pass thru Congress, including the Seante which he owned lock, stock & barrel in 2009 & 2010 !!!!! BOBO just found another way to accomplish it without Congress !!! BOBOcare is going to collapse under its own weight in less than a year just in time for the MIDTERMS, I CAN’T WAIT !!!!!!

        I personally commend Ted Cruz for his going against this RAClST law, what he showed us is that if BOBOcare starts it will be almost impossible to cancel it since it is just another RAClST ENTITLEMENT program that WE THE PEOPLE pay into & get nothing from it unless your a minority or ILLEGAL IMMIGRANT INVADER !!!! BOBO is only going to be able to squeeze the 53% of Americans who pay all of Americans taxes already before we say, HELL NO & STOP PAYING OUR TAXES TO THIS CORRUPT ADMINISTRATION !!!!!! I say BOBO got his RAClST policy of REDISTRIBUTION OF WEALTH after all, I think a lot of Americans are going to remind BOBO the RAClST MUSLlM FLEEBAGGER why that policy didn’t pass Congress back in 2010 !!!!

        • logicrules

          I have a prediction.Obamacare will fail, but not by virtue of the noble efforts of Cruz, Lee, et al, but by virtue of the millions of americans who simply refuse to participate. I will be one of those millions.

          • nc ✓s & balances

            BUT maybe some non brainwashed people will remember it was Cruz and Lee that took the arrows from both sides for the cause sounding the alarm.

          • Coopahloop

            …you mean hundreds, not millions.

      • Vennoye

        Yep! We have gone from “Too Big to Fail” to “Too Big to Work”!! Just like the Federal Government, all right!!

    • Sara B

      So you can make a healthcare account but you can’t keep it.

      • William Kent Jenkins

        Sucks all your personal info then dumps ya , except vote register’s

    • b_truit

      You crazy conservative, theres no way you seen this chaos coming! /sarc

  • CatHerder ✓fire! ✓fire!

    This is the very paradigm of government-run programs.

    • http://www.artinphoenix.com/gallery/grimm snowleopard (the true one)

      Absolutely, failure is guaranteed in every detail possible.

  • 7Out7

    It’s going to keep a certain segment “in limbo” until ACA can evaluate the total body of people signing up. Those who are eligible for massive subsidies will find their applications go through quickly. The rest are in abeyance. I say the system isn’t broken. It’s performing exactly as it was set to do. Anyone who goes through the process has provided ACA with a huge amount of personal data. All that must be sorted out before completion of applications.

    • therealguyfaux ✓ᵛᵉʳᶦᶠᶦᵉᵈ

      “Anyone who goes through the process has provided ACA with a huge amount of personal data. All that must be sorted out before completion of applications.”

      Come back, Ed Snowden.
      All is forgiven. (*/sarc!)

      “Now I understand, what you tried to say to me
      And how you suffered for your sanity
      And how you tried to set us free
      But we would not listen, we’re not listening still
      Perhaps we never will…”

      • Joe W.

        And Obamacare does NOT cover self amputated ears, either……

        • therealguyfaux ✓ᵛᵉʳᶦᶠᶦᵉᵈ

          But will it cover “Sunflower” Oil treaments, and visits to a “spa” in the South of France? Snowden’s “Cousin Vinny” wants to know…

          • Joe W.

            Maybe on some starry, starry night we could ask Don McLean??? Over a piece of pie??

          • therealguyfaux ✓ᵛᵉʳᶦᶠᶦᵉᵈ

            Good ol’ boys drinkin’ whisky an’ rye,
            Singin’, this will be the day that we die…

          • Joe W.

            Drove my Chevy to the levy but the levy was dry…….

            Those was the days, were they not??

          • therealguyfaux ✓ᵛᵉʳᶦᶠᶦᵉᵈ

            “Those were the days, my friend,

            We thought they’d never end,
            We’d sing and dance, forever and a day…

            “Then the busy years went rushing by us–
            We lost our ‘starry’ notions on the way…

            “Well, my friend, we’re older but no wiser
            For in our hearts the dreams are still the same…”

            OK, so it’s Mary Hopkin, not Don McLean.
            Still true nonetheless..

        • porkchop6209

          However, it will commend you for poking your eyes out and cutting off your tongue.

  • ObamaFail

    They should just abolish the thing and keep it delayed indefinitely, until they can a) get it fixed where the site isn’t a mess and b) rewrite the law where it will actually be affordable

    • nc ✓s & balances

      Won’t ever happen because that would mean they would have to admit:
      1. They were wrong, and
      2. We, and specifically Ted Cruz, were right.

  • RedSoloCup

    I went over there to try and register Obama, and got this.

    • ObamaFail

      Since they are too incompetent to actually get the site working right, eventually they’ll just rewrite the message you get when the error pops up and that’ll probably be close to what they write.

  • $25753324

    Jay Carney, the Baghdad Bob of America.

    • porkchop6209

      Can I share your Avatar?

    • Pat Arnold

      So sad but so true

  • YesterdayzNewz

    Why is it that the ones who tout this monstrosity are always (well 99.9% of the time) Liberals or Journos? #thelightattheendisatrain

    • ObamaFail

      Because they aren’t paid to report the news, they are paid to sing Obama’s praises, so that’s why even though Obamacare is already a joke, they are still acting like everything’s fine.

      • porkchop6209

        Don’t you mean “Kiss his @$$” and $V(# His Majistey’s Balls? (spelled on purpose)

    • cmazzJK

      Because they are more concerned with advancing their political agendas, than benefitting the American people

      • ObamaFail

        And until the liberals wake up and realize that, the Dems will get away with it every time.

  • http://drudge.com snyper77

    ..

  • ObamaFail

    Site is being shut down for repairs AGAIN. Maybe it’ll work this time? HA! Not likely. http://www.ijreview.com/2013/10/88408-third-times-charm-obamacare-website-shut-repairs/

    Obamacare website uses copyrighted materials without using proper channels. They broke the licensing agreement http://www.ijreview.com/2013/10/88403-thievery-company-claims-obamacare-website-swiped-copyrighted-software/

    • Perplexed

      Gary Freeman your avatar is creepy! Could you maybe cover the face with something and just leave the hair? I don’t know why, because I see pictures of her all of the time, but the one you are using bothers me. It is just creepy.

      • porkchop6209

        Spray paint?

    • Roto ✓Intentionally Left Blank

      Often new software bugs are made when trying to fix old ones.

  • NeoKong

    I can apply for a job at NASA online.
    It doesn’t make me an astronaut.
    Setting up an account online is a far cry from actually achieving the success that the account is intended for.

  • chetnapier

    I wonder did he get that big check from Brunei too?

  • Jimni27

    Does anyone have more info about the voter ID? What type of identification specifically do you have to have to register?

    • Joe W.

      Not a damned thing.

      • Jimni27

        Do you know that for sure? Do you have a link?

        • Joe W.

          No link. But it’s an OFA site. You can be dead and register.

          • http://deadrepublicanparty.wordpress.com/ rmnixondeceased

            Heh. I did!

          • Body image vs health??

            You can be dead and register, yes. But does that mean you can vote? I have family that works with elections. ALL people can register to vote, without an ID. They can get applications, fill them out and turn them in. NOT the same as actually being allowed to vote. That’s like saying because everyone can send an application to Harvard means their degrees are easy to get.

    • Michael Anderson (WB)

      The information provided to the “navigators” is more than enough to perpetrate massive voter fraud and to financially ruin their targets. You can’t vote and you can’t fight it.
      The “navigators” were drawn from politically active organizations like OFA and Acorn. Good thing we can trust them!!!

      • Perplexed

        I agree about the targeting part of your statement. I wonder about all the people who signed up for an account, put in their personal information, and then decided to opt out once they saw the high rates. Do you think our government is going to toss out all that information on those who are rejecting Obamacare? I don’t. But I disagree about the massive voter fraud. Just like medicare, medicaid and private insurance, obamacare will require a photo ID to use it. They have to. Otherwise anyone could go and collect someone else’s prescriptions or services just by giving their name. So by mandating that everyone have insurance, they are mandating that everyone have a photo ID and killing their own argument about voter suppression.

        • Michael Anderson (WB)

          That logic won’t fly with the justice department we have.

          At this point there is no way to remove an account, the personal info stays. Couple this with the groups who have access to the information and I suspect this was the second prong after amnesty to take votes away from conservatives.

          It only takes three or four elections to revoke the constitution and turn us into a totalitarian state.

          First the House needs a D majority, then the Senate needs a 67% D majority. That allows them to have the proper amendments presented to the states. After that if they can take over enough states the constitution is through as a legal document, and the USA is over.

          • porkchop6209

            Except the first section, which reads, in part, “When in the course of human history…..”, I invite you to go read the rest and fill in the blanks.

          • Michael Anderson (WB)

            I’m familiar enough to know it is events not history. The distinction is important, dissolution of political bonds requires only an event not a trend.
            However that is the declaration of independance not the constitution. They are hoping we will roll over and die, but they are purging the military in case we don’t.

          • AMERICAN Kafir™✓ᵛᵉʳᶦᶠᶦᵉᵈwhitey

            There isn’t even a need for ‘logic’. The 26th amendment of the Constitution is enough, and the fact that DoJ isn’t upholding it is proof they are committing treason against the US, by not upholding and defending the Constitution (which includes the 26th amendment) which they took an oath to do.

      • Thomas Dobbins

        And the illegal alien work pool waiting in front of your local Saudi-eleven…

        http://www.cis.org/edwards/illegal-alien-heads-obamacare-navigator-program-nyc

    • Perplexed

      I have not been on the site because I really don’t want to be entered into the Nigerian lottery because I posted sensitive info on an insecure website run by an incompetent government. But from what I have read, in order to even check obamacare rates, you have to create an account and enter personal information including identity markers like social security number.

      • Jimni27

        That’s what I want to know for sure. IS it SSN or something that requires photo id also. I went on there myself. Was only going to go as far as the part that asks me for personal info, but got an error page at like the third page.

        • Perplexed

          I don’t know anything for sure. You can call 1-800- f1uck- yo and ask them but if you are just wanting to check rates it isn’t necessary to go to the Obamacare site which is broken anyway. Kaiser set up a calculator site that will give you obamacare rates without requiring you to create account or input personal info. Do a search for kaiser calculator or kaiser healthcare calculator.

          • Jimni27

            Oh, now that’s helpful- I was wondering on another site how in the hell the Salon writer said he found three affordable plans for the guests who were on Hannity’s show complaining about Obamacare.

          • Roto ✓Intentionally Left Blank

            Kaiser Subsidy Calculator is at http://kff.org/interactive/subsidy-calculator/

      • Roto ✓Intentionally Left Blank

        Programmers who’ve checked the website’s security say they wouldn’t even put their Library Card number in it.

    • Jim Denney

      If you present your Tea Party 501C card, you breeze right through to the IRS audit site.

    • AMERICAN Kafir™✓ᵛᵉʳᶦᶠᶦᵉᵈwhitey

      The 26th amendment of the US Constitution states that citizens over the age of 18 are eligible to vote so I assume any that shows date of birth would be acceptable.

      I make the argument all the time.. you have to be 18 (and prove it) to gamble, and purchase tobacco products and in some states, to serve alcohol, and you have to be 21 (and prove it) to purchase alcohol.

      I don’t see what the big deal is, considering the age restrictions on gambling, tobacco and alcohol aren’t even listed in the Constitution, but the age requirement to vote is.

      • Jimni27

        I’m actually having that argument right now on another site. That’s why I asked. I don’t see how voter id laws are racist when you have to have ID for ACA

        • Body image vs health??

          How about showing an ID to buy a gun? Is that okay?

        • Daiseymae

          That is true. Try telling that to those idiots at the Huffington Post. Oh you are racist. I have to show my driver’s license to vote here in Virginia. Holder hasn’t complained about Virginia yet. One man called me a racist against black and brown people. Guess what? This Republican is married to a Black and Puerto Rican man.

          • Jimni27

            Oh, two husbands? Lucky girl! Just kidding 😉
            And I bet they still kept on with it after you told them- they just don’t listen, it’s like they’re brainwashed.
            My high school sweetheart was black. Learned a lot of life lessons in those years. Most surprising was that yes, black people can be prejudiced too.

          • Daiseymae

            Thank you Jimni72. Yes, I was called all kinds of vile things.

          • Jimni27

            Same here. Almost got myself beat up too :(

  • socalcon

    Yea! Walked thru the front door of the most exclusive shop on Rodeo Drive! success!

    Um, forty minutes later, the salesgirl questioned my ability to pay for expensive garments and refused me service! success!

    ~ pretty woman

    • http://twitter.com/thetugboatphil TugboatPhil ✓Mate

      Are you sure it didn’t go like this:

      Yea! Walked thru the front door of the most exclusive shop on Rodeo Drive in Switzerland! success!

      Um, forty minutes later, the salesgirl questioned my ability to pay for expensive garments handbags and refused me service! success!

      ~ pretty woman Oprah

  • $29520529

    Hey you low info voters that voted for this, just wait, which you will, for the actual “care” you won’t receive when you need it! You can’t take from the rich then, when there aren’t enough beds, doctors, and hospitals to treat your sorry a$$.

  • Undine

    It’s easy to laugh at the White House and its flacks right now, but Jesus Christ, the fact that America is in the hands of these incompetent delusional drooling morons is terrifying.

  • bkeyser
    • nc ✓s & balances

      I’ve seen this in a Ramirez cartoon, but it’s still brilliant!

    • Evan Dickinson

      That’s not much less useful than the space shuttle right-side up.

      Just don’t turn it on and it can be something we stare at longingly like the right-side up space shuttle and pretend it was a useful endeavor that revolutionized space-flight.

      We could have used the money saved by not actually flying/refurbishing/maintaining to make efficient spacecraft.

  • rporth

    Hey!

    The NSA is supposed to be good with those computer thingeys….. How about giving the NSA a crack at the healthcare site?

    /sarcasm off

    • Jay Stevens

      Better idea – outsource to Google or amazon.

      • Body image vs health??

        The problem is how the government chooses the people it gives these projects to. They choose based on cronies, not on talent.

        Very much in the same manner that nearly all politicians are elected and the rich get their tax breaks as well as the corporations now being considered “people.”

  • happyscrapper

    What do you expect? The people who put this mess together are cronies of this government. There were no other bids looked at. They got the job even though their background had massive failures. They didn’t even run a test until 6 days before launch!! Folks, this is the single most important database in the world. It will theoretically hold the personal private information, including bank accounts, ss#, past health issues, etc etc of every person in the country. It is a mess. And completely open for hacking. Anyone who puts information into that site is crazy.

    • Michael Anderson (WB)

      It doesn’t need to be hacked. Get beyond the financial, the people in charge of the data are from groups already charged with voter fraud. If the country changes radically money won’t help you.

      • nc ✓s & balances

        Right you are. It’s as if bank robbers set up a false teller station and just collect all the deposits. And we all are forced to go to their window.

  • happyscrapper

    And don’t forget…the IRS will be in charge of “policing” this program. You know, the same IRS that targets conservatives for harassment. Still think this is a great idea?

  • MaMa1

    Apparently the goal of Obamacare is not to provide health insurance but simply to collect your personal information. And many people are all too willing to supply that information.

    • nc ✓s & balances

      TRUTH!!!!!

    • Crystallite

      Providing your ID info to all the illegals they plan to have vote in 2014.

  • http://www.thepiratescove.us/ William_Teach

    And by “maintenance at night ” Tara means “24 hours a day because the website is busted “.

    • Leland Eagleson

      These IT genius’s have lots of problems with Java, but brother do they excel in GIGO!!!

      • Roto ✓Intentionally Left Blank

        IF (Gazintas=0), THEN {Gazoutas=0}

  • http://whenfallsthecoliseum.com/author/kwatson/ megapotamus

    Someday, somebody will actually get a policy. Someday….

  • ICOYAR

    Obamacare did to healthcare and its own damn website as this did to Pokemon Red and Blue:

    http://www.youtube.com/watch?v=EG-0NP0hWcM

  • tops116 ✓Quipper

    Obamacare, redefining “success” at every opportunity.

    http://www.youtube.com/watch?v=zDAmPIq29ro

    • Sakemoto

      Hey! You found Waldo! Success! LMAO @ that pic of Carney.

  • texbarb

    Typical lying Obama regime BS. Can’t wait for this damn thing to blow up.

  • HeavyMetalPolkaMonkey

    GOVERNMENT WARNING: If you were able to complete ObamaCare form online, it wasn’t a legitimate gov’t website; you should report online fraud and change all your passwords.

  • AMERICAN Kafir™✓ᵛᵉʳᶦᶠᶦᵉᵈwhitey

    .@HealthCareTara @HuffPostPol How do you sleep at night, spewing these lies, day in and day out? You must have serious digestive issues….

    • vino veritas

      In coffins with the rest of the bloodsuckers.

  • http://whatandever.blogspot.com/ Osumashi Kinyobe

    What? That’s, like, two “real” people? Who is the next successful applicant? Frank N. Stein?

    • Chevypowered

      Some dude named “Shaq O’ Neal” Applied and got coverage for his whole family…Honest! (look up for lightning.)

      • http://whatandever.blogspot.com/ Osumashi Kinyobe

        As long as it is unverified, it must be true.

  • The Masked Avatar

    Can you imagine what it would have been like to have Twitter in Germany, 1933? Now you know.

    • ToyZebra

      “Sign up now for AdolphCare and your free train ride to health camp!”

  • http://proof-proofpositive.blogspot.com/ Mike

    Lizza’s tweet is like Obamacare: It’s the law! Once its out there, it can never be changed or modified or taken back. Carney was right to shut down communications rather than change Obamacare’s singular success story!

  • Scott Andrews

    How typical for Obama, Inc. “Move along, nothin’ to see here…”

  • Dan Thorpe

    This thing is going to be a colossal failure. They need 7 million people to sign up for this boondoggle, and if we believe the independent numbers only 36k have actually signed up. We keep hearing from this administration how everybody wants this, but the numbers prove otherwise. I don’t care how much misinformation and propaganda they keep pumping out because that’s all it is.

  • TOM

    Obama and Success!! LOL

  • Fhalkyn Phoenix

    Nothing to see here! Keep calm and carry on! Obamacare works like a charm!
    #sarcasmatitsfinest #justkidding

  • no_more_deceit

    Just seen on Fox News that the millennials are not happy with o-care at all and are tending not to like all the gtiches to sign up, the same people that elected o and the same ones he needs the most to prop uo his monstrosity – oh well.

  • OldmanRick

    Not to seem too awfully obtuse, but can one really register to vote online? It does seem the opportunity for fraud would be quite easy.

    • Shawn Fifield

      I can see how you register to vote online, you do not need an ID. Maybe that is why 404 is malfunctioning, you do need identification to get Ocare.

    • HJD

      yes, but even registering on-line will have potential for reporting fraud, as there’s nothing keeping them from stating Democrat registrations are WAY UP…giving a false perception, like they always have.

  • Falcon D. Stormvoice

    Hm, the “Register As A Democrat” button works… odd.

    =p

    • Crystallite

      Is there a Register As a Repubilcan button and if so, does it work?

  • Guest

    These fools remind me of this guy…

  • John Howard

    Obviously he’s not eligible.

  • Dane Gunderson

    @HealthCareTara should charge for what she blows

  • Dane Gunderson

    $634,000,000 tax debt dollars spent on fired Canadian contractor wasn’t enough, DAMN GOP!!!

    “that has happened b4” to 99.6% right? So… “NOT NEWS” because ObamaCare SUCKING is no longer News

  • Body image vs health??

    I think it’s ridiculous that internet glitches are touted as reasons why the ACA won’t work. That’s like saying, I can’t register to vote online, voting is broken.

  • schveiguy

    EVERYONE should read this article (a little dated from July, but still valid) for what is in store for us:

    Happy Birthday To Great Britain’s Increasingly Scandalous National Health Service http://onforb.es/10DQUdC

  • vetgal1970

    The good news is, you get to register to vote every time you create a new account to replace the one they ‘lost’. hoo ray

  • Wonder Pony

    Correct me if I’m wrong. Wasn’t Lizza one of the people that went into a “Off the Record” meeting with the president yesterday? I thought I saw the story, but can’t seem to find it anymore. (Not joking, I thought that was one of the names)

  • Michelle ✓classified

    Saw a commercial here in CA last night, was for Covered California…in Spanish. And my thought was, if they promised us only citizens could get this coverage, and keeping in mind one has to pass an English test to be a citizen – why is there a Spanish version of the website? More important, WHY do we keep catering to folks who refuse to learn English?

    • Roto ✓Intentionally Left Blank

      Logic is not covered under the Affordable Care Act :-)

    • Chris Sky

      LOL how else can they manipulate an entire population into slave submission unless you flood it with people who can’t understand what you’re saying, dont’ know what a “right” or “constitution” is, and will happily not work to obtain “benefits” on the back of actual American citizens.

      That’s the democratic way to obtain/stay in power! (I’m not a republican… they are just as bad, with different methods of transfering wealth/power from the middle class to the poltiical/banking class)

  • JD Son

    But, But..It has to work…cuz it’s free….and stuff…snark fit here. What a joke.

    • Michelle ✓classified

      That’s my main source of giggles over this whole Obamacare nightmare. They keep boasting about the number of visits to each state’s website…and I can’t help but think of all the folks who went looking for free healthcare only to find you actually have to…pay for it.

      • nc ✓s & balances

        Wait til the ones who actually did sign up find out what the word “deductible” means.

        • Michelle ✓classified

          Oh, it’s just one big ginormous bag of fun! Wait until they “find out what’s in it” On the cheapest plan, a patient has to pay 30% of an MRI. Those run about $3,000 – wait until they have one, having no clue what it will cost them and then get the bill for $900. If I die tomorrow, I want to come back as a fly so I can be on a lot of walls when folks start getting their medical bills.

          • nc ✓s & balances

            Michelle, the bill will be $900 only after they have satisfied their deductible, which could be $5000 or more. That’s what I mean when I say the fits gonna hit the shan over the deductibles.

          • Michelle ✓classified

            Ooops – I forgot about the $5,000 deductible! I’ve never had one in my life, so I tend to forget about them.

          • CatHerder ✓fire! ✓fire!

            Never had a deductible? Mine nearly doubled this year on the health insurance I get from my employer. I seem to recall that Mom’s BCBS had no deductible (several years back), but I didn’t know there were any policies left like that. I’ll bet it’s expensive!

          • Michelle ✓classified

            HMO. I’ve always had an HMO, never had an indemnity plan (do those even still exist?) and never chose a PPO because all my Drs. were always available on the HMO, so I never had to go out-of-network. Other than some minor surgeries over the years, a broken ankle and treatment for cancer, I’ve been blessed with excellent health – so why get a plan where I’d have higher out-of-pocket expenses? Other than a $100 co-pay for the surgeries, my treatments for everything else were covered at 100%, my monthly premiums never higher than $180.

          • nc ✓s & balances

            Is that the total premium or is your employer paying a part? Because even with group rates with an HMO, that’s a heckava deal! Don’t miss a payment!!!!

          • Michelle ✓classified

            Through employer. I’ve always had employer provided insurance. The only time I have not is when Romneycare rolled out in MA, and my employer stopped offering insurance figuring we could all get it through the exchange – at a MUCH higher premium and completely crappy coverage. I opted to go uninsured and paid the $300 fine on my state taxes instead of tossing $248 out the window each month for a plan that didn’t kick in until I met a $5,000 deductible. Turned out to be a wise decision, I never once needed to visit a Dr. while I went uninsured for 1.5 yrs. I saved a crapton of money.

          • nc ✓s & balances

            Well, it’s apples and oranges then. Your employer is paying a boatload of a premium for you not to have a deductible. Plus, your HMO plan sounds like a modified PPO plan anyway, but what do I know?

            The rates for individuals has been extraordinarily high, but I’m biting the bullet because, as it turns out, the ObamaCare rates are even higher and the deductibles are higher too. And at least I don’t have to give up my ID info to the navigators.

          • Michelle ✓classified

            HMOs came along first, then PPOs and POSs (which is a combo of HMO/PPO) – so actually a PPO is a modified HMO. It’s not really apples and oranges, they are very similar. HMO has a network of providers you choose from and you have only a co-pay, no deductible, no filing claims. PPO also has a network and you are free to choose a provider from that network and your copay will be lower, but you can also opt to choose a provider not in their network, but your copay will be much higher and you have to file a claim to be reimbursed, and you always have a deductible. I have never opted for a PPO because other than my handful of surgeries and having cancer (caught so early I didn’t need chemo), I see a Dr. only once a year for an annual.

          • nc ✓s & balances

            When I said apples and oranges I meant the difference between paying for your premium yourself and having your employer pay part of it. In other words, your total premium is not $180, that’s just the part you pay. I understand how PPO’s work, and when I had that kind of plan I hated it. Messy, and once I got caught with a $10,000 bill because of a “misunderstanding.” I was able to negotiate some of it away, but it was a huge headache I never want to repeat.

            So glad to hear you caught your cancer early, it’s amazing what they can do these days. God bless you!

          • Michelle ✓classified

            Thank you, and I was very fortunate to be living in Boston at the time and having Drs. at Mass General Hospital (one of the BEST in the nation!). After that very minor experience w/ cancer, shortly before I moved back to CA, I discovered a lump in my breast, called my Dr., they got me in two days later for testing (mammo/ultrasound) and during that very same visit, Dr. came into exam room and said, “You definitely have a tumor and you’re having surgery next week to remove it.” Wow, that’s being on the ball. I asked why not a biopsy first (as most Drs would make you go through first before deciding surgery) and he said whether or not it’s cancer, it has to come out and he’d do the pathology after he removes it, but it can’t stay there. Are ya kidding me? Most Drs. would do a biopsy and if benign would give you the “Let’s just keep an eye on it” answer in an attempt to save money and score points with the insurance company. So in short, I found a lump, two days later they confirmed it was a tumor, a week later I had surgery to have it removed and a week after that was told it was benign. Boom! All said and done in, and put behind me in just two weeks. Outstanding service! THIS is the kind of service we’d lose if we went the route of Canada’s healthcare system. Heck, to this day I’d probably still have that tumor in me and waiting to see a specialist.

          • nc ✓s & balances

            When the dust settles about premiums, deductibles, co-payments and doctor shortages, the real tragedy of ObamaCare will be the needless destruction of access to the world’s greatest medical care. Were there “glitches?” Sure, plenty, but they could have been fixed. No one ever really tried.

          • CatHerder ✓fire! ✓fire!

            Wow. I’ve never had a deal like that. Will you adopt me?

          • Michelle ✓classified

            Do you do chores?

          • CatHerder ✓fire! ✓fire!

            Replaced a toilet yesterday, then fixed supper. Close enough?

          • Michelle ✓classified

            Not drawing me toward adopting you. I can also change out a toilet and fix dinner. What else ya got?

          • CatHerder ✓fire! ✓fire!

            That’s about it, these days.

            When I was younger I built everything from treehouses to high-rises, rebuilt my own engines, did a bit of body work, cut down trees for the timber and split ’em up for stove wood, slaughtered my own hogs, did some residential plumbing, wired a few houses, repaired lawn mowers, built tree swings, killed snakes, bandaged kids’ boo-boos, glazed windows, did not pass out when my wife gave birth, dug septic tanks and field lines, taught both my kids how to shoot and when and kept my family housed and fed through thick and thin.

            You do realize I was just funnin’ you, I hope. Oh heck, I know you do!

          • Michelle ✓classified

            Of course I know we’re funnin’! And I get where you’re coming from – I’ve been an extremely physically capable woman all my life (used to lift weights, have a lot of strength for a woman). Plus my LOVE of learning how to do things, coupled with a father who was a career carpenter, I learned so very much! I remodeled my own bathroom (lighting fixture, toilet, flooring, vanity, rewired outlets/switches, med cabinet) all on my own like a big girl! I can do a ton of stuff around the house that is traditionally a “man’s job”. Love all of it! But, age is catching up with me and I hurt in places I never knew existed…so my physical abilities are sliding. And that’s what bums me out the most about aging – not the wrinkles or the grey hair. I’m so scared of the day when I can no longer do for myself physically.

          • CatHerder ✓fire! ✓fire!

            I hear you. I don’t give a quack about the hair, but I surely wish I could keep the capability a bit longer. It’s not pleasant getting old. Until the grandbabies visit, anyway…

          • nc ✓s & balances

            My guess she’s a Kaiser girl. They’ve been around since WWII I think. My family joined when I was an infant. Although they have been traditionally an HMO, in the last several years they’ve been offering individual plans with deductibles (my son has one). Luckily, he’s “grandfathered” in, so his premium and deductible are not too bad. But, unless you bought it before March 2010, his plan is now unavailable for purchase.

          • Michelle ✓classified

            Nooooooo never Kaiser! I’ve never liked the idea of choosing a health plan that makes you go to THEIR doctors and use only THEIR hospital.

          • nc ✓s & balances

            Silly rabbit, don’t believe the stories. My parents had nothing but Kaiser for more than 50 years, mostly No. CA, but also So CA where I have it now. They had first rate care all the way, right to the end.

            For a few years, because of my or my husband’s job, I had BC/BS, and let me tell you, I couldn’t wait to get back to Kaiser.

          • Michelle ✓classified

            My significant other is on Kaiser, it’s not a story silly. He has to go to their Drs. at their facilities and use only their hospitals. He’s not all that happy about it, but it’s the most cost effective plan his employer offers. As for me? I’d rather pay a wee bit more each month and be able to choose my own Dr.

          • nc ✓s & balances

            But does he get quality care? I remember in the 80s there were rumors about poor care in some So Cal facilities. I don’t know if it was ever proven true. But I have only witness top notch care. My dad, for example, and a file so thick you wouldn’t believe it. They treated him with respect and the best they had always. They even covered hospice care in our home at the end which was a true blessing.

          • Michelle ✓classified

            SoCal has excellent hospitals. But actually, back in the 80’s it was Kaiser that had really poor care. They were a joke around here. They’ve brought their quality level up over the years, but still nothing to write home about. My guy gets good care, but after a whole lot of runaround, red tape, and a bunch of nonsense. He’s able to see Kaiser doctors in a satellite office out where we live, but if he ever needs surgery or to be hospitalized, he has to go to their hospital an hour away. He shattered his ankle in a dirt bike accident a few years back, and after receiving ER care at the closest hospital, they forced him to transfer to the Kaiser hospital for the surgery and two weeks in inpatient care – it’s an hour away, so that made visiting him a bit of a pain-in-the-(_)_). And to this day, all his follow-up visits w/ specialists, he has to drive to their main facility. There is a fantastic hospital 10 mins from us – if I needed hospitalization, I’d get to go there. He has to go an hour away. My mother’s husband was a cardiac patient for many years, at first he had Kaiser and they didn’t do so good with him. He changed insurance and was able to use Northridge Hospital for his care (a top-notch facility) and received excellent care until he passed away. I don’t knock Kaiser, I just know it’s not for me.

          • nc ✓s & balances

            I am truly sorry to hear that. I guess it depends where you live. Here in Irvine we have a state of the art facility that’s fairly new, but even the older hospital was only about 20 minutes away and not bad. Plus, I remember they put my dad up in another one that was closer.

          • nc ✓s & balances

            One more thing about Kaiser: About 20 years ago, my parents were traveling in England, and my dad got very ill (he had a heart condition). They had to leave their tour and my dad was hospitalized in a suburban English hospital for about 10 days, til he was well enough to come home.

            Kaiser paid the entire bill. Every penny.

          • Howard Roark

            $5k deductible for a single…$10k-$12k for a family. The FREE fun just never ends!

      • Chris Sky

        The funniest thing?

        On the official Obamacare wesite for the last 3 years there was a heading for the parasites that said “where can I obtain FREE or low cost healthcare in my area.”

        2 days before Obamacare became law, Obama’s cronies altered the offical website’s heading to simply say “where can I obtain low cost healthcare in my area”…

        So much for that “free” business! And that was before Obama added 10,535 pages or “regulations” during the shutdown!

  • Pat Arnold

    Jay Carney being less than honest about Obamacare? Misleading people? Telling half truths? The next thing you will be telling me is the Obamacare website was made in Canada

  • Roto ✓Intentionally Left Blank

    .
    .
    .
    .
    .
    This is what it looks like if you need to sign up on the 4O4 site by Dec. 15th

  • garygramscom

    I guess running a website is harder than rigging an election…. who’d a thunk it?

  • Bryn Watkins

    Usually, an account means a user name (your email address often) and a password. They screwed that up?

  • porgiefirefighter

    Keep posting those screenshots.

  • Chrystal Myghty

    I called the 800 number on Healthcare.gov, and I was able to complete my application by phone with a very helpfull government employee. It took about 45-50 minutes. So, you don’t have to wait until the website glitches are worked out, (they will be fixed), just call the 800 number on and you can apply. It was very easy.

    • kssturgis62

      What were your rates like? What state are you in? Who do you work for? When was the last time you pushed propaganda for OFA, or the White House?

      • Chrystal Myghty

        Q1: My out-of-pocket monthly cost for a silver plan should be around $237, taking available tax credits into account. I knew this long before October from visiting Healthcare.gov in August. Processing my application will take about 3 weeks. Then, I will be contacted to complete the process of signing up/purchasing healthcare insurance, which will replace the health insurance policy I have been purchasing for myself the past four years since I retired.
        Q2: Ohio (It would have been so much easier to apply if the idiot mouth-breathing GOP/Teabag Party Ohio legislature would have created an Ohio Healthcare Exchange, but they are not interested in doing anything to benefit Ohioans. They only exist to placate their corporate masters who control them.)
        Q3: I’m retired, age 63. (I worked from age 12 until age 59 – now I enjoy NOT working for anyone except for myself and enjoying my free time and liesure.)
        Q4: I have been posting factual information regarding the ACA and Healthcare.gov for almost a year now. I do it because I support the ACA, I am a big supporter of the President and the Democratic Party (the party that cares about people), and because if naysayers would take the time to educate themselves about the ACA (or ObamaCares, if you prefer) they would find out that the GOP/TEABAG Party, and the right-wing media whores have been lying about it all along.

        God bless President Obama and the Democratic Party!
        Hillary 2016!

        • kssturgis62

          You have been lying – Just like you are lying in this post about John Kasich.

          Your Governor accepted the Obamacare mandate of expanding Medicaid, so he would get federal dollars, to help pay for out of pocket Expenses of the poor, so they would get their Subsidies. If you were actually posting Actual factual information, you would know that. The Supreme court stated that states didn’t have to be forced to expand medicaid. Thus if they didn’t they still had to enforce obamacare. So Republican Governors accepted the mandate, so they could get the Federal Dollars to pay for the poor in their states, so that didn’t raise taxes on the people that lived there. EITHER WAY THEY are just Redistributing the Wealth in each state, from we the TAX PAYERS TO PAY FOR IT>

          For someone as you say is retired at the age of 63 you are a Foul Mouthed Liberal. I am not a TEABAGGER or a TEABAG. I am an AMERICAN CITIZEN. Just like you. You obviously have no self esteem or any value to yourself. Your mother obviously didn’t teach you any manners, or how to communicate with anyone. For someone who likes to spout how they WON – You are a very angry individual. Which tells me you dont’ think life is fair. I am glad you can afford 237 Dollars a month. Most will not be able to do that. don’t even begin to tell me how affordable this insurance is. Because if you were speaking actual facts you would know most Ohioans actually have an INCREASE OF 88 percent. SO THE AMOUNT YOU SAY YOU ARE PAYING YOU ARE LYING ABOUT !!!

          WRAP YOUR LIBERAL BRAIN AROUND SOME FACTS

          http://www.forbes.com/sites/theapothecary/2013/06/10/ohio-dept-of-insurance-obamacare-to-increase-individual-market-health-premiums-by-88-percent/

          • kssturgis62

            BY THE WAY IT STATES IN THE LIBERAL FORBES ARTICLE THAT THE CHEAPEST PLAN STARTS AT OVER 280 Dollars.

            YOU SEE UNLIKE YOU – WE ACTUALLY DEAL IN FACTS AND TRUTHS. UNLIKE YOU WE DON”T TAKE OUR TALKING POINTS FROM OBAMA. UNLIKE YOU WE RESEARCH AND GET EVERYTHING FROM EVERYONE TO FIND THE ANSWER. HOW COME ONLY A SELECT FEW SAY THEY ARE EXCITED ABOUT THIS.

            GET HELP YOUR LIBERALISM IS A DISEASE> YOUR 63 and you haven’t learned one thing of value in your life. If you worked the way you say you did, you wouldn’t be so eager to die at the hands of the IPAB panel in Obamacare. Be happy in your ignorance, because when the stuff really hits the fan. WE will be prepared, While you are still flying around on your Unicorn in the fake Utopia you have set up for yourself.

            AGAIN WHAT OBAMA ORGANIZATION DO YOU WORK FOR> BECAUSE YOU ARE A LIAR LIKE EVERY OTHER LIBERAL IN EXISTENCE.

          • Chris Sky

            agree 1000%

          • Chrystal Myghty

            “…Ohioans can start signing up for policies through a federally run insurance marketplace.”
            That’s because “…not a word of advice is available on the state Department of Insurance’s home page.”
            (source: http://www.cleveland.com/open/index.ssf/2013/09/state_insurance_department_web.html)

            Ohio Gov. Kasich asked the Ohio legislature to accept the ACA’s expanded federally funded Medicaid mandate – the legislature declined to do so. Kasich is currently attempting to go around his Teabag Party legislature to implement the expanded Medicaid program.

            “After a seven-person state board votes on Monday, Ohio is expected to become the 25th state to expand Medicaid under President Barack Obama’s Affordable Care Act.”
            “Gov. John Kasich, who would be the eighth Republican governor to oversee Medicaid expansion, has spent a year clashing with his party. But on Monday, he is expected to get his way.”
            (source: http://news.cincinnati.com/article/20131020/NEWS010801/310200037/Ohio-Medicaid-expansion-verdict-draws-near)

            The monthly premium for a silver plan which I posted is an actual FACT – DETERMINED BY USING THE COST CALCULATOR ON THE healthcare.gov website – you reptilian jackass! It is based on my actual annual income and I can afford it, just as any single individual with an income approximate to mine should be able to afford. It is, in fact, only about $7 a month more than I paid this year for a 5k deductible health insurance policy.
            You are so misinformed and and stupid – why don’t you stop watching Faux Noise and stop listening to right-wing media whore propogandists who deceive you with every word they utter or print?
            God Bless President Obama and the Democratic Party!
            Hillary in 2016!
            Michelle in 2024!

          • kssturgis62

            HAHAHAHAHA You are using the Cost Calculator at the OBAMA WEBSITE INSTEAD OF THE ONE PROVIDED BY THE STATE OF OHIO, BOY ARE YOU DUPED. Thank goodness your Legislature SAID NO. WE DO NOT WANT THE DEBT OBAMACARE BRINGS TO THE STATES, I am glad your Legislature SAID NO !!! Kasich Proved with his stance what a Liberal aka RINO he is,

            AGAIN for being a WINNER you sure are an ANGRY Liberal. Again you are 63 years old and you praise and Worship communists. your blessing obama who’s goes against God at every turn, and destroys the Lord and HIs Word every chance he gets. Do you think God Blesses a man who Kills his own people, and champions murdering as many babies as possible, and slaughtering christians? do not say he doesnt’ do anything I stated, he loves Planned Parenthood, follows communist rule, marxist Ideology, helped Kill our ambassador, and says nothing about Muslims slaughtering Christians. You support all of that. You support Hillary, who helped murder our Ambassador, and WHO HAS NO ACCOMPLISHMENTS at all except being a murdering Lying Criminal. The Lord will not bless these followers of Satan unless they change their hearts. By the Way the Democrats don’t believe in God, they BOOED HIM THREE TIMES WHEN THEY WENT TO PUT GOD BACK IN THEIR PLATFORM, YOU SEE WHAT A LYING DECEIVER YOU ARE. Go play with your unicorns, they only fly for liberals.

        • Chris Sky

          I call 100% complete bullshit on this entire post.

          paid government shill guarantee on this one.

          • kssturgis62

            NO Kidding, the only place she touts is Healthcare . Gov, and yet no one can get on, she/or he is a paid shill for Obama. disgusting Individual to the core of their being. Says God Bless, Democrats don’t believe in God and they only follow Satan.. Everything stated is obama’s Talking points.

          • Roto ✓Intentionally Left Blank

            It’s possible to get a $237/mo. Silver Plan, **BUT** they will have an annual Out-of-Pocket cost of up to $6,350!! They screwed themselves buying Obamacare!!!

            Using Kaiser’s A.C.A. Subsidy Calculator for a Silver Plan, inputting an annual income of $32,000 per year (that’s 279% of the poverty level) gives a Total Premium of $6,611 per year, with a Government Tax Credit of $3,770 per year, leaving an Annual Premium of $2,841 or $236.75 per month.

            Calculator inputs were:
            1. Ohio zip code 45209 for the Oakley suburb of Cincinnati
            2./3. $32,000 annual income in 2014 dollars
            4. No employer coverage (must be “No” or you’re kicked out)
            5. # of people in family = 1
            6. # of adults enrolling = 1 Age = 63 and No tobacco use
            7. No children enrolling
            http://kff.org/interactive/subsidy-calculator/

        • Roto ✓Intentionally Left Blank

          $237 is NOT your “out-of-pocket monthly cost.” That’s your Monthly Premium. :rolleyes:

          Using Kaiser’s A.C.A. Subsidy Calculator, you probably now have a $6,350 annual Out-of-Pocket cost on a Silver Plan (see info in post below). What was your Out-of-Pocket (aka Deductible/Out-of-Pocket) on your old policy?

          EDIT: I found your old policy’s $5,000 Deductible below. If my Kaiser inputs are correct (which produce a $237/mo Silver Plan Premium), you screwed yourself with Obamacare!!!

          Annually, you will be paying $84 MORE for the Premium AND $1,350 MORE in Out-of-Pocket costs, for a total increase of $1,434!!!

    • Corey Dennison

      Gee, only 45-50 minutes on the phone? Wow, this is gonna go swimmingly!

      Much success!
      /Borat

    • Chris Sky

      A successful sign up… interesting… a few questions then.

      1) what age bracket are you in?
      2) what State?
      3) did your premiums/deductible rise?

      • Chrystal Myghty

        As posted above, I’m 63 and from Ohio.

        My current monthly premium is $231 for a 5k deductible plan, which I purchase. I cannot keep this plan (rules of ACA) and must purchase via the exchange for 2014 and 2015 until going on Medicare in mid 2015.

        As “ROTO” posted above, $237 will be my monthly premium – a $6/mo. increase. And he is correct that a Silver plan has an annual out-of-pocket max of $6350. But the difference in the policies is that I currently have to pay for ALL my medical costs, (except for free annual wellness check-up which I have taken advantage of for past three years. This was a provision of the ACA already implemented in 2010) until the 5k deductible is met before the plan pays (at 100%). With the ACA plan, it will also pay for the annual wellness check-up, but it will pay 70% of my medical costs, if I have any, from the start, with no deductible. That is a much better deal than the 5k deductible plan from my perspective. Fortunately, I enjoy excellent health, I am very physically active and take no medications. If my health and active life style continues, I will not be financially stressed by the cost of my ACA plan. (BTW – It’s too bad Medicare doesn’t have an annual out-of-pocket maximum. Many seniors would be willing to pay a higher premium for Meidcare if that feature could be added to the Medicare coverage. I must write my Senator and congesseman in regards.)

        BTW – I am not a ‘paid govt. shill’ as you remarked above. Those of us who support the President, support the Democratic Party and support their efforts to make healthcare insurance available to all Americans are just regular people. We work, socialize, raise families, attend our children’s and grandchildren’s school and sports events, go to church (if religious), and live pretty much the same kind of lives most conservatives do, (except that we tend to be more christian-like towards the less fortunate among us than conservatives do). But, with all the glitches and complications associated with the ACA, it is much better than the way our healthcare insurance system was before, with people being bankrupted by greedy insurance companies and denied coverage for pre-existing conditions and such. It would have been so much better for the country and the American people if a single-payer system could have been put in place. I hope for future generations that President H. Clinton and a Democratic House and Senate will be able to do that before the end of her 2nd term as President.

        God (figure of speech) bless President Obama!

        • Roto ✓Intentionally Left Blank

          So, if true, you’re a living example of Obama’s lie that “if you like your health insurance you can keep it” and you still support him. Amazing.

          And because I think you don’t understand health insurance basics, you don’t know that Obama royally screwed you with Obamacare. I don’t think you know the definitions of out-of-pocket, coinsurance, and deductible. If you did, you’d screamed at Obama at the top of your lungs!!

          Sounds like you actually had a $231/mo. premium policy, with a $5,000 deductible, and NO COINSURANCE!!! That’s unbelievable!!! With a $237/mo. premium, I guarantee you still have the $6,350 deductible, AND NOW you ALSO have the 30% Obamacare coinsurance!! That could be a HUGE amount you never paid until Obama kicked you out.

          You pay for medical costs that SAME WAY on BOTH policies. Both policies pay for the 15 preventive services and you pay for all medical services until you meet your deductible. THEN the cost sharing begins.

          On your old plan, you said they paid 100% of the medical cost (0% coinsurance) after your deductible was met. Now under Obamacare, you’re going to pay ***30%*** coinsurance on all services after your deductible is met. On your old policy you had a $1,350 smaller deductible, a lower premium, AND NO coinsurance. You got screwed and don’t even know it.

          • Chrystal Myghty

            You’re the one who doesn’t understand the difference between out-of-pocket and deductible. On my current policy, the insurance doesn’t pay ANYTHING until I meet the 5k deductible. With the ACA plan, the insurance will pay 70% from the start (Jan.1) and I will pay 30% – until (and if) I have paid out-of-pocket the $6350 amount. Then it pays 100%, if necessary. I still have the free annual wellness check-up. So, theoreticllay, I could pay out $1350 more – if I have some fairly major health issues to contend with. My health is excellent, so barring the unforeseen health or accident problems that can occur to anyone, I am pretty darn satisfied with the ACA plan. Incidentally, if the ACA were not in place and I could keep my current 5k deductible plan in 2014, the monthly policy cost would be $265 (vs $231 this year) due to my age. And it would likely be around $300/month in 2015 until I turn 65 and go on Medicare. Screwed you say? I don’t think so.

          • Roto ✓Intentionally Left Blank

            Answer this — BEFORE you reach your Deductible Limit, on a $100 service how could they calculate your ACA deductible payment AFTER the insurance company paid their 70% and you paid your 30%??? You pay all costs up to your deductible limit BEFORE your 70/30 coinsurance cost sharing begins. Understand now? If not, this is YOUR heathcare.gov definition of Coinsurance (my capitalization to help you):

            “Coinsurance – Your share of the costs of a covered health care service, calculated as a percent (for example, 20%) of the allowed amount for the service. You pay coinsurance plus any deductibles you owe. For example, if the health insurance or plan’s allowed amount for an office visit is $100 AND YOU’VE MET YOUR DEDUCTIBLE, your coinsurance payment of 20% would be $20. The health insurance or plan pays the rest of the allowed amount.” https://www.healthcare.gov/glossary/co-insurance/

            I shouldn’t have stayed with your simple language, so I’ll help you with your wrong definitions. Coinsurance, copayments (which you haven’t mentioned but are probably there), and deductibles (yes, plural since there will be many on your schedule of benefits) are some of the costs in the Out of Pocket category. Your $6,350 is your total Out of Pocket limit. You will have calendar year deductible limits per service on your benefits schedule, where you pay all of costs until you reach each limit. Unless you have some magical policy, both your old and new policies pay out the same way for deductibles and coinsurance.

            Even not knowing what your deductibles are, you still got a bad deal. Your premium went up AND your out of pocket cost risk went up to the maximum limit allowed by law ($6.350) for the same services. Yea, that’s screwed to me. At 63 y.o., I’d quit planning for the BEST case. Even with a $28/mo. cheaper premium, you lost it to an increase of $112/mo. in out of pocket costs (6350-5000 = 1350/12 = 112.5). And if you think your Obamacare premium isn’t going to go up, you’re crazier than I thought. Good luck though!!!

            Edit: Here’s some more help, since it sounds like you need it. Best regards. http://www.safepol.com/health-insurance/101/difference-between-coinsurance-deductible-out-of-pocket-limit-copayment-and-premium.html
            From Blue Cross Blue Shield http://www.bcbsm.com/index/health-insurance-help/faqs/topics/how-health-insurance-works/deductibles-coinsurance-copays.html

          • Chrystal Myghty

            BTW, Roto, one of the reasons for establishing the ACA was to eliminate high deductible plans that cost individuals and families a lot of money for office visits for common ails like bronchitis, flu, broken wrist, sprains, etc. At least with an ACA plan you are getting 70% (silver) 90% (gold) or 60% (bronze) coverage from day one. Best regards.

          • Roto ✓Intentionally Left Blank

            Geezuz… :rolleyes: Wrong again on the cost sharing (see below), and that’s the complete opposite of what has happened with deductibles. HeII, YOUR OWN potential deductibles’ cost WENT UP 127%!! Just deductibles in the out of pocket category have skyrocketed — the old $100-$150 deductibles are long gone to the $1,000’s, and the $1,000 deductibles have gone to the $5,000-$6000’s. Because Obama slapped insurance companies with all the new requirements, price controls (not seen since Nixon), taxes, etc. they’ve had to raise prices to accept the risk. Any idiot with business experience would’ve understood that, but Obama doesn’t have any business experience. It’s no wonder weren’t stuck with this stupid law that’s costing ALL of us money…

  • Sheik Yerbouti (I)

    Three days now, and Lizza’s tweet is still up on Baghdad Jay’s time line, despite numerous people alerting him to the fact that he is looking more and more like the lying douchebag he is. What a pitiful, spiteful, desperate little man.

  • Chris Sky

    LOL People think it’s “broken”… It’s working EXACTLY how they want! The “launch of the website” was enough to legitimize and make sure Obamacare was not REPEALED! The government shutdown THEATER was a smoke screen to allow Obama to add 10,535 pages of “regulations” to Obamacare under the radar. Now the whole point of the Website is to sign people up, take your info, get you in the “system” but of course it won’t let you “finish” signing up. Because then millions of people would see that their premiums/deductible rose dramatically and we would have public backlash large enough to destroy Obamacare. Hence the THEATER and dirty tricks to slowly bring the beast to fruition without allowing Americans to have any idea what they are getting them selves into….

    • Chris Sky

      just LOOK at that stack of BRAND NEW never before SEEN OR READ “regulations” that were secretly added by Obama to Obamacare during the “shutdown.” 30x longer than the original law and stacking over 6ft tall! but im sure there’s nothing important in there, and that every word is simply there to “help you” and not to give more power/money/control to the government over your life… Regulations are ALWAYS in YOUR best interest. Especially when you’re not allowed to know what they are! Ahh the most “transparent” administration in history!
      http://www.cnsnews.com/news/article/penny-starr/11588500-words-obamacare-regs-30x-long-law

    • bo ure

      Excellent analysis. A for you. The voters wanted a black president, that right there defines them as racist, they got what they wanted and ignored his community organizer background, instigator, uses public resources for the benefit of Party, party uber alles, and never for the groups intended, that is the history of it, that is misuse of public resources, and now on a national scale. Thanks, racists.

  • http://Twitter.com/jkerrysforehead John Kerry’s Forehead

    It was never about providing health insurance. Hence the ability to register and not to enroll in insurance.

    • Chris Sky

      It was always about:
      RAISING TAXES on an unsuspecting population
      MORE POWER/CONTROL to the Government.

      “providing insurance for the needy” was the emotional propaganda angle to sell it to the sheeple.