ObamaCare: What a Deal!


According to the IRS, the cheapest ObamaCare health care plan for a family of four in 2016 will be $20,000.00 per year.  Penalties for not having health insurance could cost you over two grand.

The examples point to families of four and families of five, both of which the IRS expects in its assumptions to pay a minimum of $20,000 per year for a bronze plan.

“The annual national average bronze plan premium for a family of 5 (2 adults, 3 children) is $20,000,” the regulation says.

Bronze will be the lowest tier health-insurance plan available under Obamacare–after Silver, Gold, and Platinum. Under the law, the penalty for not buying health insurance is supposed to be capped at either the annual average Bronze premium, 2.5 percent of taxable income, or $2,085.00 per family in 2016.

In the new final rules published Wednesday, IRS set in law the rules for implementing the penalty Americans must pay if they fail to obey Obamacare’s mandate to buy insurance.

To help illustrate these rules, the IRS presented examples of different situations families might find themselves in.

In the examples, the IRS assumes that families of five who are uninsured would need to pay an average of $20,000 per year to purchase a Bronze plan in 2016.

Using the conditions laid out in the regulations, the IRS calculates that a family earning $120,000 per year that did not buy insurance would need to pay a “penalty” (a word the IRS still uses despite the Supreme Court ruling that it is in fact a “tax”) of $2,400 in 2016.

Go here to CNS to read the appalling rest.  Quite a few of the “low information” voters who cast their ballots for the Southside Messiah last year, are about to learn one of life’s most valuable lessons:  You have to read the fine print.



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Donald R. McClarey

Cradle Catholic. Active in the pro-life movement since 1973. Father of three and happily married for 35 years. Small town lawyer and amateur historian. Former president of the board of directors of the local crisis pregnancy center for a decade.


  1. The “Penalty” for not carrying Obamacare is against the Eighth Amendment against cruel and usual punishment. The penalty in any crime must fit the crime. The fit penalty for not subscribing to Obamacare is no insurance.
    The tax being levied and collected by the IRS for not carrying Obamacare is taxation without representation. Taxes are set and passed by Congress not by Obamacare. The HHS Mandate which was added by an unelected official after the Affordable Healthcare Act was passed by Congress violates informed consent of the people, common citizens and politicians, even those exempt from Obamacare. Those citizens exempt from Obamacare were not informed nor were they asked to give informed consent to the constrictions of the Act.
    The solution may lie in non-profit organizations, like the Catholic Church and Charities separating and dividing its organizations into 49 person pods. Even naming these newly created groups with holy virtues. Or making these non-profit organizations into consulting groups of 49 individual persons. But now I am digressing. Obama gave us a year to figure out how to violate our conscience. Obama did not figure on us succeeding.

  2. Alinski is part of Oh’bomba’s makeup.
    That is why flies love him and find him so attractive. Flies find a great breading zone on Oh’liars face.

    Lord of the flies.

    That is the nature of your President.
    When your gamebook is Alinski rules you can not help the stench that accompanies the application of said rules.

    Dig in supporters of Oh’zombie. Your cake is waiting.

  3. @Philip: At least Alinsky believed in the devil. The devil would not have free reign if the Person of God had not been removed from the public square. Return the Person of God. The state; government has no authority over the public square, as the public square belongs to each and every person in joint and common tenancy. The state has even less authority over how sovereign persons perceive and acknowledge our Creator, since the state has not created man, nor has the state endowed man but with citizenship, which is the only right the community of persons endows to the individual born.

  4. What is your opinion of the video, Don? I’m not sure that it represents the subject rightly. Take, for example the suggestion that, if consumers shopped around, medical insurance would charge less. Beyond accepting generics permitted under policy, what choices do consumers really have? I suppose we could forego medical care altogether such as refusing to have a knee replaced. The marketplace for medical care isn’t anything like the banana market.

  5. One of many problems with the medical marketplace is the lack of transparency to use a common buzzword. All hospitals and medical care givers should be required to post a price list: one for people without insurance and the discounts given to insurance companies. One reason that people do not shop around is that they have absolutely no idea what anything costs when it comes to medical treatment. Just having the prices available to the public would have a big impact on pricing decisions.

    Another major problem is third party payors. I completely agree with the video that when third parties pay consumers are less choosey. I know I am. Once my deductible is met, my concern about the price of treatment drops like a stone.

    The medical marketplace is vastly distorted due to government interventions over the past five decades. Any meaningful reform has to eliminate much of this distortion.

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