"How Are We Supposed To Live?" Michigan Workers Discover Obamacare Means Impoverishment

NBC does some actual reporting on Obamacare. This is what is happening all over the country.

The 41 employees of Extreme Dodge in Jackson, Mich., are very familiar with trade-ins, but this year they’re learning about trade-offs as they come face to face with the new realities of health care. A few workers say they’re getting a great deal, but most have a severe case of sticker shock.

“I feel like I’ve been taken to the cleaners,” said Neal Campbell, a salesman.

The news was presented at the company’s annual benefits meeting earlier this month, when employees were told that the health insurance plan that the auto dealership had provided its workers was canceled because it doesn’t comply with the Affordable Care Act, better known as Obamacare. 

Rather than officially sponsor a new policy, the company – voted one of the 100 best car dealerships to work for in the country last year – will instead provide its employees with $2,400 apiece to buy their own insurance, or to pocket and pay the new federal penalty if they elect to go without it.


A handful of the Extreme Dodge workers came out winners -- mostly low-wage earners who qualify for subsidies and therefore pay very little for insurance. The biggest winner is Brandon Chisholm, a detailer with two daughters, who will get health insurance for the first time, and will have to pay virtually nothing for it because he qualifies for a big government subsidy. That means he can bank the $200 a month the company is giving workers to replace the health insurance it previously provided.

Asked if he was excited at the prospect of getting nearly free coverage on top of the cash stipend, he replied, “Oh yeah! Anything that can help me and my family out, that’s what I’m going to do.”

Twenty-six of the dealership's workers had been covered this year under the old company plan. Twenty-one have now decided to go with the new group plan recommended by the company for next year, though they realize that they face sharply higher out-of-pocket costs next year.

Their deductibles will go from $1,125 this year to $3,000 next year, and maximum out-of-pocket costs jump from $2,250 to $6,350. And for families, those numbers double: to a $6,000 deductible and $12,700 out-of-pocket maximum.

“How is this helping the average American that’s working 40 to 50 hours per week?” said Terry Hardcastle, a salesperson. “How are we supposed to live?”

Cathy Smith, who’d hoped she’d qualify for a subsidy and made just a little too much money, had tears in her eyes.  "You don't make that much money to begin with,” she said, “and the prescriptions are going to kill me."

This scenario is going to be playing out all over the country. It is into this environment that the Obama Administration plans to pump out their stories about people who have been helped by Obamacare.

I think I know the answer to Kathy Hardcastle’s question. How is she supposed to live?

She’s supposed to barely survive.

She’s supposed to give up all hope of saving for anything or owning anything nice. She’s supposed to learn to be desperate, truly desperate, for every promise that the government holds out for poor people—among whom she will soon learn to count herself.

She is supposed to learn to beg for food stamps, beg for tuition help for her children.

She’s supposed to get too busy and exhausted to care about Iran or Syria or drones or anything else our political torturers wish to do overseas.

She’s supposed to learn to submit to ever cop and every checkpoint because only people who can afford lawyers can really push back against unconstitutional encroachments on the part of the government.

If she owns any firearms, she’ll need to sell them so she can buy more important things. At her new income level, she can’t afford the higher price of “green” ammunition anyway.

The middle class are a pain to the political class. Obamacare will provide them with relief.

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About Mark Horne
Mark Horne was born in Melbourne, Florida, but has also lived in Liberia, West Africa, and Kwajalein, Marshall Islands before graduating from high school. He is an experienced editor and freelance writer, working with Gary DeMar, George Grant, Chuck Colson, and many others. He earned a Master of Divinity from Covenant Theological Seminary and has pastored in Washington State, Oklahoma, and St. Louis, Missouri. Mark is a prolific writer and the author of a layperson's commentary on the Gospel of Mark, a tract on baptism, and a biography of J.R. R. Tolkien. He currently resides in the St. Louis area.
  • Kirk Smith

    Our Fortune 500 Company announced yesterday that starting this year no one will work over 25 hours!

  • kap2002

    This was the plan from the beginning. People will be unable to pay for private insurance and that is how we will end up with socialized health care. How sad this once great country has become.

  • Angel House

    Mark, Thanks for this article.
    Maybe you should correct it though. You know the other side will try to say it's not true if it has errors. You say here "Kathy Hardcastle"
    But the Hardcastle is Terry, a salesman, who asked "how are we supposed to live?"
    Cathy is Smith and she made Just too much to qualify for subsidy. The article doesn't say how many people actually Work at this business. $200 a month is really good money actually - no wonder they were voted among the top to work for, kudos for that.
    One percent of a person's income (penalty) is Cheap instead of the premiums I've read about.
    This sort of thing Is so Common, and needs put out there, Thanks again.

  • richardcancemi

    Liberal voters who refuse to see Obama and the "Democrats" for what they are namely Progressive Socialists. They do not help people despite their rhetoric. They are power hungry and want only to rule and control people. Those who vote for these S.O.B.'s deserve what they get. The rest of us,who know them for what they are, do not!

  • Runningbear

    That's a lie and the credits will have to be paid back next year!and their taxes will go up even more!

  • Ray - Jesus is the Son of God.

    Take note of how angry Michelle Obama looks
    as her muslim husband flirts with another woman.

  • Sam

    Welcome to socialism

  • ARJ190

    Where have they been for the last three years that they didn't know this was coming. They can thank their Democrat Reps and Senators.

  • Xtech

    This is all part of the plan to force Americans into a single-payer system CONTROLLED by the government; The poor are already
    controlled by the government via free or subsidized health care, food, housing,phones, etc. The wealthy are NObama’s biggest financial supporters and can well afford to buy their own. In order to control the majority, NObama has to destroy the middle class and he knows making health care unaffordable will force them into accepting what the Feds offer. Everything this administration does is about CONTROL. Pure EVIL.

  • RDB

    What's Brandon going to say when he finds out some needed services aren't covered; when he learns his doctor refuses to treat him due to low pay? He will learn there is no free lunch! And I don't care.

  • AppraisHer

    Why didn't anybody ask the "biggest winner", Brandon Chisholm", who is getting his insurance "almost free", what his deductibles and co pays will be and how much will he have to pay out, before the "coverage" kicks in?? Also, did they explain that he'll have to pay the entire cost for the year (cost of policy, co-pays and deductibles), before he gets his "government subsidy" when he files his taxes?? Does Brandon understand the democrats he probably voted for are giving him "health insurance, not "health care", it really "isn't free" and most likely won't help him unless HE needs birth control pills, a breast exam or a PAP test?

    Although, he might get to use the "mental health" provision, once he finds out how great his "free, health insurance" really is. Which might help wake him up to from his stupid, utopian delusions.

  • gavinwca

    Obamacare is a government plan to murder all of Americas terminally Sick people by cutting off their medical coverage, thus cutting the amount of medical services they can receive. Also it is an extreme tax against all Americans there is a 2 trillion dollar tax imbedded in this kill good Americans bill. Fascism is alive and well, this is no different than The NAZIES loading the sick and affirmed into garages then hooking up the exhaust pipe of trucks piping gassing inside killing them to. Only Obama does it by removing services. May he rest in Hell.

  • ldrussell

    Far too many people are in the entitlement mentality to make any real change in those that are handing down laws such as Obama care.
    The administration has used the have and have not divide to do exactly that, divide the nation into two classes either by social class, racial class and where you may be on the health scale. With Obama's plan The middle class will ultimately be the losers. They know they can not destroy the 1% of the wealthy people because they have the ability to move assets to safe places and relocate them selves if necessary.
    The poor have what they need to exist so the only thing or place that money can be gotten is from the middle class until there is no middle class and then things will change dramatically when this happens. There will be the rich, the ruling class and the rest will be subject to what the government wants you to have.

  • http://www.loseitorbuildit.com/ tpishdad

    I thought, Ameriplan benefits would be out the door once, Obamacare took over. I was wrong. PandWservices to learn more.

  • Death2Unions

    ...and NYC now has an admitted Marxist for mayor. NYC will be vaporized by him in short order. Meanwhile we have a dedicated Marxist who's Puppet Master Valerie Jarrett controls his strings and has a visceral hatred of America. This doesn't end well for citizens. The establishment of a Marxist State tends to get rather bloody.

  • Athanasios1

    If you need hospitalization, get rid of your identification and pass yourself off as a deaf-mute illegal alien. You will receive all the medical services for free, and they might give you money to go to college as well as a link card and free housing. If you decide to go to college, remember not to make any friends, don't show up at class and finally, marry an ugly racist baboon. By 2020, you too may be elected to some high public office..

  • Shirley Crowfoot

    The destruction of the middle class is a necessity, according to Marx and Lenin, for the formation and acceptance of a Communist State. Every policy, regulation, and entertainment that promotes a lack of family, religious, self-reliant values makes our culture more open to our loss of freedom and opportunity. How do they expect you to live? As a serf totally reliant on the gov't for which you are trading your freedom and hope to improve your lot in life.

  • Mitchina

    fuqin liberbal indoctrination worked sooooo well on these bozos. They actually BELIEVE this POtuS cares about them or anyone for that matter. This fool believed he would get those 15 million (and that's what it was when we started this whole propogahnda mess) uninsured taken care of... at the price of 30 million other's getting insurance AND EVERYONE else's paycheck and against the religious beliefe of 75% of thsi country. Wow... how dumb are these liiberal bleeding hearts? Let them suffer along with the rest of us. Bailouts should be banned from gvt every having the authority to throw them away like they do.