When insurance costs more than survival, coverage is just a word.

Obamacare didn’t protect families, it priced them into submission.

A system that only works for the rich or the dependent is not a safety net.

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BRIEFING

It’s been just over a decade since Obamacare was implemented, and for a majority of Americans, it’s done jack diddly squat for them. As a matter of fact, one American family sat down, did the Obamacare math honestly, and realized that working, paying premiums, and playing by the rules still left them staring at a literal dead end. Let’s break it down.

One woman with five kids recently made a video where she lays out her income, her family size, and her insurance options, and what she was given were literally laughable. First option is $1,100 a month through an employer plan, and the second is a staggering $1,600 a month through the ACA, with a deductible so high it turns coverage into a technicality instead of protection.

SOURCE

American family has 5 kids. She makes $2,600 per month after taxes

The cheapest option she could get for health insurance from the Affordable Care Act marketplace is $1,700 per month with a $17,000 deductible

Barack Obama destroyed our healthcare system

“$1,600 a month for a $17,000 deductible and they will only pay 50% after I meet that deductible So I’m thinking we’re just gonna go die”

American family has 5 kids. She makes $2,600 per month after taxes

The cheapest option she could get for health insurance from the Affordable Care Act marketplace is $1,700 per month with a $17,000 deductible

Barack Obama destroyed our healthcare system

“$1,600 a month for a… pic.twitter.com/hEbeR8B6Ye— Wall Street Apes (@WallStreetApes) December 16, 2025

This is the stark reality of Obamacare for your average American family. Honestly, to benefit at all from this program, you either have to be earning well over $300k a year or be destitute. But for those in the middle who can’t afford the monthly premium or receive the subsidies that make ACA affordable, they’re literally left to fend for themselves.

Which, speaking of those subsidies, those are close to being on their way out. The enhanced premium tax credits — which made ACA plans more affordable — are slated to expire at the end of 2025, potentially forcing millions to pay much more or lose coverage entirely.

It’s hard to imagine that after the subsidies go away that anyone besides the extremely wealthy will be able to afford Obamacare.

SOURCE

Should the enhanced ACA premium tax credits expire on December 31, the roughly 22.4 million people relying on these subsidies would be hit with steep increases in their health insurance premiums starting in 2026.

Their premiums could more than double next year, per a preview of the available plans released by the Trump administration.

Millions more would lose subsidized ACA marketplace coverage, and roughly 3.8 million people are projected to lose health insurance coverage entirely and become uninsured each year from 2026 to 2034 due to high costs, per the Congressional Budget Office.

Around 47% of American adults reported fears that they would not be able to cover the cost of necessary health care should the tax credits expire, per a West Health-Gallup poll from last month.

DEBRIEFING

So folks, this is what Obamacare really looks like once you strip away slogans and subsidies and force it to operate in the real world. A working family does the math, and the math clearly tells them there is no version of the program that actually offers them security. The premiums eat income, deductibles make coverage downright theoretical, and care is postponed not because people are irresponsible, but because the entire system prices it out of reach.

But keep in mind, this entire outcome is not accidental. Obamacare at its core only functions smoothly inside narrow income bands. Make very little, and subsidies soften the blow, but if you’re someone who makes a great deal, the costs become inconvenient but still manageable. While everyone in between has the literal life squeezed out of them.

Then the whole issue of expiring subsidies exposes this design flaw of Obamacare completely. Democrats sold those tax credits as proof the system worked, but they were never a real long-term solution. Instead, they were simply a stabilizer, propping up a structure that cannot stand on its own. And make no mistake, once they disappear, the entire grand illusion goes with them.

NOW YOU KNOW

Obamacare doesn’t fail families. It prices them out.

Grant Mercer