Buyer beware: Reasons not to enroll in Obamacare

Monday, December 10, 2018
Chris Woodward (

ObamaCare (generic)Those who want or need health insurance next year still have time to enroll in an Obamacare plan, but there are a number of critics who believe that Americans should not sign up.

The enrollment period that began last month on November 1 runs through Saturday, December 15, and only those who qualify for a Special Enrollment Period will be able to get coverage beyond this deadline.

"After you fill out an application with the Health Insurance Marketplace and provide household and income information, you'll find out if you qualify for a premium tax credit that lowers your monthly health insurance bill," informs.

While a majority of people who have enrolled over the years did qualify for a tax credit of some sort, Citizens' Council for Health Freedom (CCHF) has created a list of 10 reasons why people should not enroll, with one reason being “compromised privacy.”

CCHF’s Twila Brase wants Americans to know that they will sacrifice some of their privacy by getting their health care through the government.

"Every time you have a government program, the government has to collect data from it – and so people should not be thinking that privacy comes in any government program," Brase stressed. "The bigger the government programs get, the more people have their privacy in a government database there to be accessed, shared and used for purposes for which the individual is unaware."

Brase also noted that under the Affordable Care Act's "value-based purchasing" model, doctors will be paid for value – not for actual services given.

"Thus, doctors may have to comply with one-size-fits-all treatment protocols, accept outsider definitions of ‘value,’ focus on population health instead of patients or agree to participate in ethically challenged ‘team-based care’ – where clinic staff are allowed to follow computer-based treatment protocols leaving patients at the mercy of non-physicians … and in the dark about who's actually responsible for their care," Brase informed.

The electronic health record (EHR) mandate imposed in the 2009 Recovery Act and the ACA's reporting requirements will be used to judge physician compliance with the "value-based" and the "team-based" models.

"The list of 10 reasons not to enroll in Obamacare should be shared with neighbors, friends, colleagues, members of the legislature, whomever, because I think that a lot of people don't understand this," Brase suggested. "We also have a list of alternative options to Obamacare, which includes health care or private insurance – or just finding an exemption."

Beginning on January 1, 2019, there will no longer be a penalty for being uninsured; however, tax returns filed in 2019 – for the 2018 tax year – will still include penalty assessments.

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