Obamacare’s Dependency Agenda
A Pennsylvania widow resists being pushed into welfare.
By Deroy Murdock
NationalReview.com
Helen lives in Pennsylvania. Her experience with
Obamacare has left her so humiliated that she wants
to keep her surname to herself.
Helen’s pride and self-respect reflect her intense
sense of independence. This 60-year-old widow, a
self-employed house cleaner, has survived on an
annual personal income of approximately $15,000. She
pays her own Social Security taxes and tells me that
she never has accepted a penny of public assistance.
She always has wanted to rely only on herself.
Helen could not afford health insurance, but she
deliberately avoided government medical programs.
Instead, she was happy with the care that she had
received for the last 20 years at Health Link in
Southampton, Pa. At this free clinic, doctors donate
their time to see self-employed people whose low
incomes are documented via their tax returns. Among
other things, Health Link arranged for Helen to see
dentists and other specialists and receive no-cost
pharmaceuticals.
Nonetheless, this lifelong Democrat considered it
her duty to sign up for Obamacare. After all, it is
the law. And Helen did not want to pay the penalty
for violating the individual mandate.
So, last October, Helen visited HealthCare.gov and
smacked into the same delays and diversions that
have flummoxed so many Americans. She rang the
HealthCare.gov help line and spoke with someone whom
she described as sweet and friendly. The woman on
the phone, who never gave her name, listened to
Helen and then recommended that she seek public
assistance.
“Public assistance?” Helen erupted. “That sounds
like welfare. I raised my family my whole life and
never took one penny of welfare — ever. Why would I
want to take government aid now? This is why the
system is the way it is today. I am an honest
person, and this is why I am refusing welfare.” The
woman kept firing questions at her. Helen felt as if
the navigator wanted to derail her train of thought,
break her down, and make her surrender and accept
government aid.
Helen says the Obamacare navigator told her that she
did not meet the criteria to qualify for Obamacare.
Still, since Helen already had started the
application, the navigator told her to complete it.
This devoured another hour and 45 minutes. The
application was filled with some three dozen deeply
personal questions about her bank account, health
condition, and even HIV status.
“I felt violated,” Helen said. “It was as if they
thought I was a criminal.”
After two weeks, Helen received a letter. The
federal government deemed her ineligible and denied
her Obamacare.
Helen called the Obamacare phone line once again.
She was furious. After spending all of that time and
answering all of those questions on an application
she never wanted to fill out, she had nothing to
show for her efforts.
That day’s nameless navigator said that she could
not find Helen’s paperwork.
Helen exploded anew.
“I gave you so much personal information, and now
you tell me you lost my application?”
The navigator began asking even more questions.
Annoyed, Helen said she had furnished Obamacare
enough details about her life.
A few moments later, the voice of a gentleman at the
Obamacare phone bank emerged from Helen’s receiver.
Quite politely, Helen recalls, he directed her to a
female supervisor who told her to reapply.
“You lost my first application,” Helen explained,
yet again. “Where did all of my personal information
go? Who has it and who is looking at it?”
Exasperated, she asked, “What good is it to reapply
if this is how Obama does things?”
Feeling she had little choice in the matter,
however, Helen reapplied for Obamacare. She
repeatedly asked the Obamacare navigators by phone,
“This is not welfare, now, is it?” They reassured
her that it was not. Helen could receive $616 per
month ($7,392 annually) to help cover her insurance
expenses, one navigator explained. But, the
Obamacare representative warned, “You may not fit
into the Affordable Care Act criteria, and if you
earn more than $15,000, you may be taxed on the
extra earnings.”
Two weeks later, Helen’s paperwork arrived by
mail. She was horrified to discover that she now had
exactly what she had struggled to avoid: welfare.
The man on the Obamacare hotline had lied to Helen.
He had enrolled her in Medicaid. She was being roped
into public assistance after all.
Helen dialed the Obamacare hotline in a blaze of
disappointment. “You misled me!” she said. “I want
to cancel the whole thing and get my own insurance.”
“Are you sure?” the Obamacare tele-navigator
asked soothingly. “This is such a good plan for
you.” While Helen remembers the woman on the phone
being quite amiable, she also was quite insistent:
Helen should keep the plan into which the government
had corralled her. Helen sensed that Obama’s agents
were laboring to lasso her into government
dependency through a subpar entitlement. After all,
the more people who get
addicted
to Obamacare’s subsidies sooner, the harder it will
be to padlock this program later.
But Helen was equally firm: She didn’t like her
plan, and she didn’t want to keep her plan. Period.
The Obamacare woman told Helen, “Remember, if you
don’t have health care, you will have to pay a
penalty.” (Note that she didn’t say, “If you don’t
have insurance . . . ” She said, “If you don’t have
health care . . . ,” as if these two terms were
synonymous.)
“I don’t care,” Helen told the Obamacare navigator.
“I didn’t want welfare, and you said it wasn’t
welfare. But it is. You lost my information. I never
wanted this terrible Obamacare. You forced me to get
it. I was happy with what I had before. I don’t like
the way Obama is forcing us to do things.”
The cheerful Obamacare operative suddenly said
something ominous: “You do know that this call is
being monitored.”
“I don’t care,” Helen shot back. “This damn
Obamacare sucks.”
After all that time and trouble, the government
finally canceled Helen’s Obamacare plan.
Helen eventually bought her own plan from Assurent.
She learned about it outside the Obamacare exchange,
on a TV commercial. This private insurer did not
irritate Helen with intimate questions. Assurent
merely inquired about her medical history and what
she could afford to pay. They then tailored a plan
that fit her circumstances.
Assurent warned Helen that her policy might not
comply with the strictures of the (un)Affordable
Care Act, such as its unfathomable mandate that her
new policy (and all others) include maternity care —
at age 60. Thus, Assurent told Helen to expect a tax
penalty for refusing to obey Obamacare. Furthermore,
Assurent warned Helen to assume that her
Obamacare-non-compliant policy will be canceled next
year. Conveniently enough, for Obama and the
Democrats, this follows November’s midterm
elections.
For now, Helen’s policy costs $177 per month. This
$2,124 annual expense equals 15 percent of her
$14,160 income in 2013. (Her earnings dropped 5.6
percent last year as she sacrificed working hours to
help her husband battle colon cancer. He passed away
last December.) This new expense, which Obama
imposed on Helen, exceeds her income tax. Yet Helen
is proud that she still pays her own way, rather
than receive welfare.
Helen scoffs at her friends who are grateful that
Obama has given them “free” medical insurance via
Obamacare’s Medicaid expansion.
“It’s not free,” Helen says. “I pay my taxes and so
does everyone else. So, if I get something for
nothing, taxpayers pay for it. So, it’s not free.”
Helen now embodies what happens when the government
promises everyone everything for nothing. Hers is
just one scary cameo in the endless 3-D Imax horror
epic called Obamacare.
– Deroy Murdock is a Manhattan-based Fox News
contributor and a media fellow with the Hoover
Institution on War, Revolution and Peace at Stanford
University.