Bug-Out of Obamacare Before It’s too Late

Obamacare has become one of the defining political travesties of our time. Ever since the federal insurance exchange was scheduled to open, all of the predictions that conservative pundits have been making about it have been coming to pass. There is no way to describe the problems with Obamacare, other than to say that it has been a total and complete disaster.

Even President Obama has had to recognize the disaster that it is, although he won’t say so publicly. He won’t allow a repeal of it, as it is his signature legislation; but he’s been reacting to the problems with Obamacare on an almost daily basis.

To date, the president has unilaterally made 38 separate changes and delays to Obamacare, not counting the thousands of pages of regulations that the Department of Health and Human Services and the IRS have made to it.

Most of Obama’s changes to Obamacare have been in the form of delays. He’s made those delays for purely political purposes, as a means of getting some of the pressure off of himself and the Democrat party for all of the problems that Obamacare is causing.

Now he’s trying to delay some parts of the implementation until after the 2014 midterm elections and other parts until after the 2016 presidential elections. The thinking seems to be that by delaying it, Democrats can keep more seats in the Senate, as well as possibly winning the 2016 presidential race.

There are those who are saying that Obamacare was never intended to work; and there is evidence to back that possibility up. If that’s the truth, then Obamacare was merely intended to provide a bridge to a one-payer system; which is a fancy name for socialized medicine.

Unfortunately for Obama but fortunately for us, the Democrats lost control of the house, so they can’t shove that legislation down our collective throats.

To Buy or Not to Buy Insurance?

Millions are flocking to avoid registering for Obamacare. No matter what numbers you use, Obamacare has been spectacularly unsuccessful in accomplishing its stated purpose, insuring the uninsured. Although the government statistics are intentionally unclear, the biggest possible gain they can claim is one million more people being insured than there were before. Of course, that includes illegal aliens and doesn’t respond to the problem of people who lost their health insurance.

Numerous surveys are showing that many people prefer being uninsured and paying the government penalty, over paying for Obamacare and becoming trapped in their system. Once again, figures are unclear, but it is clear that several million people who have lost their insurance have decided to go without. This number will probably increase, when the employer mandate finally kicks in.

Choosing to not buy insurance may be the smartest decision any of us can make. While there are risks associated with that, at least we’re not putting ourselves in the hands of the death panel. Nor are we having to pay those huge premiums and even larger deductibles. The penalty is much cheaper.

The good news is that one of Obama’s most recent changes may work to all our benefits. He has unilaterally loosened the requirements for people to get a hardship waiver for buying Obamacare. In other words, according to these new looser requirements, you can opt out of Obamacare, without having to pay the penalty.

These new “hardship categories” make it possible for almost anyone to get out of signing up for Obamacare. They all have special requirements, but some are requirements that pretty much anyone can manage to create for themselves. Take a look at these:

  • You received a shut-off notice from a utility company.
  • You recently experienced domestic violence.
  • You recently experienced the death of a close family member.
  • You filed for bankruptcy in the last six months.
  • You had medical expenses you couldn’t pay in the last 24 months.
  • You received a notice saying that your current health insurance plan is being cancelled, and you consider the other plans available unaffordable.

Those aren’t all of the possible hardships that will qualify you for exemption, just a few; there are 14 in all. I mention those because they are common ones to encounter. Of them, I especially like the first one. With the right planning, pretty much everyone can use that one.

So, hypothetically, anyone can refuse to pay their utility bill on time, and they’ll receive a shut-off notice (which is number 3 on the government list) and then use it to prove that they are a hardship case.

The “Application for Exemption from the Shared Responsibility Payment for Individuals who Experience Hardships” is available at: http://marketplace.cms.gov/getofficialresources/publications-and-articles/hardship-exemption.pdf. That’s it.

Besides not having to pay the premiums, the other really nice thing about this is that it keeps you out of the Obamacare database. Considering that Obamacare now has physicians asking questions about whether or not you have firearms in the home, it seems to me like that’s one more government database that it would be a good idea to stay out of.

new SMD01


This article has been written by Bill White for Survivopedia.

Written by

Bill White is the author of Conquering the Coming Collapse, and a former Army officer, manufacturing engineer and business manager. More recently, he left the business world to work as a cross-cultural missionary on the Mexico border. Bill has been a survivalist since the 1970s, when the nation was in the latter days of the Cold War. He had determined to head into the Colorado Rockies, should Washington ever decide to push the button. While those days have passed, the knowledge Bill gained during that time hasn’t. He now works to educate others on the risks that exist in our society and how to prepare to meet them. You can send Bill a message at editor [at] survivopedia.com.

Latest comments
  • I like the last one as it pertains to so many!

  • Wouldn’t submitting the Hardship Application then put you on a list of people who opt out of Obamacare? Still on a list…

  • Joining a Christian Health Share ministry is a legitimate way out of Obamacare and you don’t have to report your non-cooperation. I don’t know what, if anything the ministries have to report.

  • Fine. Have you got something better? Leaving healthcare the way it was could only lead to disaster. Conservatives would rather let poor people die because of too high the cost of healthcare and let the insurance companies rule over us, continuing to steal our money right and left. It just goes to show you conservatives are not on the side of the people, but are on the side of big business.

    • Doug – what we had WAS better. We were sold lies. The support this had was so that a small percentage of uninsurable Americans could have insurance. If the public had had an inkling of what the ACA was really all about, it would have had the approval it does today (about 26%, and this is still well before the full repercussions of the ACA hit this country). The cost of Healthcare ACCELERATED under the ACA. They did not go down, like we were told they would.

      Standards for hospitals are tightening (unreasonably so) under threat of medicare/aid payments being withheld (my wife is a nurse and knows this first hand). This is a big way the government is cutting healthcare costs – they simply won’t pay (because Obese Betty on Welfare got a bedsore or she got an infection from an unbathed nephew who sneezed on her – but hey! it’s the hospitals fault)! This is forcing healthcare to cut costs (usually by cutting staff), which means that care quality is going down, which means more $$ from the gov’t being withheld, more staff being cut, and on and on and on goes the cycle. We’re still early into this. I feel sorry for the Boomers who are going to suffer the brunt of this unmitigated disaster. The numbers simply do not add up. It can ONLY end in disaster. Wake up.

    • Doug, get your face away from Obama’s crotch. Canada has socialized medicine, such as you are having forced on you, and it is heading down the sewer. People from Canada go to the States for medical treatment, not the other way around.

    • Doug, although I agree that healthcare was expensive to the point of being unreasonable and out of reach for many, this is not the answer. Socialized medicine has not worked in any country it’s been implemented. Our closest neighbor Canada is a great example. I think there should be some sort of insurance reform so the companies aren’t paving their halls with marble and giving execs unfathomable bonuses. At the same time, there are fair market solutions to providing decent healthcare without the government running it. I agree this was designed to fail to automatically lead to the one payer system, but it’s still not the answer, much like everything else that’s being shoved down our throats from Washington, D.C. On another note, doctors are retiring early, or just going out of business because payouts are made according to Medicare and often this means the doctor gets paid LESS than his cost to do a procedure. If you don’t believe it, ask a few doctors what they think. And pay no attention to anything the AMA ever says because it’s not a medical organization. Again, ask a few docs.

    • Mr. Brown, while the healthcare system was not great before, Obamacare has killed more people in 1 year than old way did in 12 years. Forcing people to drop insurance, while insuring illegals ,wasted enough money to help the 1 million without destroying the U.S. You prove it-IGNORANCE IS BLISS!

  • When will America wake up?

    Congress has no authority outside of DC, Puerto Rico, Guam, American Samoa, the Virgin Islands, and the Northern Mariana Islands. It does not include the 50 states united.
    i.e. Title 26 Section 7701 Definitions (a) (9) and (10) 42 U.S.C. 405 (2)(c)(vii) from the Tax Code

    Statutory Civil Law (Codes, Regulation and Statutes) is Law for Governments and not the Natural Human Being.
    In as much as every Government is an artificial person, an abstraction, and a creature of the mind only a government can interface only with other artificial persons.
    The imaginary, having neither actuality nor substance, is foreclosed from creating and attaining parody with the tangible.
    The legal manifestations of this are that no government, as well as any law, agency, aspect, court, etc. can concern itself with anything other than corporate, artificial persons(US Citizens) and the contracts between them.

    U.S. Case
    Penhallow vs. Doanes Administrators-1797

    Regulations only apply:

    “Foley Brothers, Inc. v Filardo, 336 U.S. 281 (1949).” states:
    UNITED STATES regulations apply only within the United States territories and the District of Columbia. It is a well-established principle of law that all federal regulation applies only within the territorial jurisdiction of the United States unless a contrary intent appears.

    “Caha v US, 152 U.S. 211 (1894)”. states:
    U.S.regulations apply only within the U.S. territories and the District of Columbia. “The laws of Congress in respect to those matters[outside of Constitutionally delegated powers] do not extend into the territorial limits of the states, but have force only in the District of Columbia, and other places that are within the exclusive jurisdiction of the national government.”

    “U.S. v Spelar, 338 U.S. 217 at 222.” states:
    (U.S. regulations apply only within the U.S. territories and the District of Columbia. “There is a canon of legislative construction which teaches Congress that, unless a contrary intent appears [legislation] is meant to apply only within the territorial jurisdiction of the United States.”)

    “Downes v Bidwell, 182 U.S. 244 (1901).” States:
    (Purportedly decided if the constitution applies to U.S. territories. In actuality, unleashed the great fraud of unlimited statutory power misapplied throughout the continental united States of America.
    Justice Marshall Harlan dissenting opinion:.

    “two national governments,
    one to be maintained under the Constitution, with all its restrictions, the Constitutional Republic.

    The other to be maintained by Congress outside and independently of that instrument, by exercising such powers as other nations of the earth are accustomed to…a radical and mischievous change in our system of government will result… We will, in that event, pass from the era of constitutional liberty guarded and protected by a written constitution into an era of legislative absolutism…
    It will be an evil day for American liberty if the theory of a government outside the supreme law of the lands finds lodgment in our constitutional jurisprudence.”
    In other words, a genuine de jure united States of America congress is always bound to enact laws within the jurisdiction of the constitution.
    He held to the obvious truth that congress does not exit, let alone have powers, outside the constitution, the supreme law of the land and the only source of the powers which our government, or any branch of officer of it, may exert at any time or at any place.”)

    *Title 4 United States Code*

    *§ 71. Permanent seat of Government*
    All that part of the territory of the United States included within the present limits of the District of Columbia shall be the permanent seat of government of the United States.

    *§ 72. Public offices; at seat of Government*
    All offices attached to the seat of government shall be exercised in the District of Columbia, and not elsewhere, except as otherwise expressly provided by law.

    Internal Revenue Service is only authorized to collect an Income Tax from corporations.
    “The individual, unlike the corporation, cannot be taxed for the mere privilege of existing. The corporation is an artificial entity which owes its existence and charter powers to the state; but the individuals´ Right to live and own property are natural rights for the enjoyment of which an excise cannot be imposed.” Corn v. Fort, 95 S.W.2d 620 (1936).

    “A statute does not trump the Constitution.”
    People v. Ortiz, (1995) 32 Cal.App.4th at p. 292, fn. 2
    Conway v. Pasadena Humane Society (1996) 45 Cal.App.4th 163
    (Opinion filed September 14, 2010), On Appeal From The United States District Court For The Eastern District of California

    “It [the federal constitution] must be interpreted in the light of Common Law, the principles and history of which were familiarly known to the framers of the Constitution. The language of the Constitution could not be understood without reference to the Common Law.” U.S. v. Wong Kim. Ark. 169 U.S. 649.18 S. Ct. 456.

    Statute requires that the Secretary of the Treasury have express lawful authority to operate outside of D.C., and it is under that Office that the IRS operates. Tax Code § 7621 is not that permission. This authority to operate does not exist; at least no denial of this by the DOJ is made in federal court.

    We are a Constitutional Republic:
    In this form of government “One” in which the powers of sovereignty are vested in the people and are exercised by the people,either DIRECTLY( which means Congress is a Adviser) or through representatives chosen by the people, to whom those powers are specially delegated. Say No to Obamacare !
    In re Duncan, 139 U.S. 449, 11 S.Ct. 573, 35 L.Ed. 219; Minor vs. Happersett, 88 U.S. (21 Wall.) 162, 22 L.Ed. 627.

    To quote the Supreme Court,
    Milvaine v. Coxe’s Lessee, 8 U.S. 598 (1808).
    “No fiction can make a natural born, subject to a corporation, a statute law, or an administrative regulation,” or can mutate a natural born Sovereign into someone who is subject to his own creations.

    Sovereignty itself is, of course, not subject to law, for it is the author and source of law;

    Sovereign powers are delegated to the agencies of government, sovereignty itself remains with the people, by whom and for whom all government exists and acts. And the law is the definition and limitation of power!

    The ultimate tribunal of the public judgment, exercised either in the pressure of opinion or by means of the suffrage

    The Supreme Court reiterated:
    In the United States***, sovereignty resides in the people who act through the organs established by the Constitution. [cites omitted] The Congress as the instrumentality of sovereignty is endowed with certain powers to be exerted on behalf of the people in the manner and with the effect the Constitution ordains

    The Congress cannot invoke the sovereign power of the people to override their will as thus declared.
    [Perry v. United States, 294 U.S. 330, 353 (1935)]

    The Constitution is”Common Law” ask your Senators and Congress persons, why are they passing Statutory Law( the Law of the Sea, which is Private Law) and betraying the American people.

    Remember this :
    1.The people( who are state Citizens, Our Founding Fathers were state Citizens) own the Government.
    2.The Government created UNITED STATES citizens, whom are to subject their compete authority though the 14th Amendment.
    3. UNITED STATES citizens are slaves! Welcome to the feudal times again.
    4. Sovereignty itself is, of course, not subject to law, for it is the author and source of law; now you why the Government is at war with the American people.
    (March 9, 1933 48 Stat. 1, Public Law 89-719 Declared by FDR Being Bankrupt and insolvent H.J.R. 192, 73rd. Congress in session June 5, 1933- Joint Resolution to suspend the Gold Standard and Abrogate the Gold Clause – Dissolved the Sovereign Authority of the US and the official capacities of all US Gov Offices Officers and Depts and is further evidence the the US Fed Gov only exist today in Name only. US being in Martial Law since 1933 and as far back as civil war Senate Report 93-549 (1973) Us Citizens Declared Enemies of US By FDR ex ord 2040 and ratified by congress march 9th 1933 48 Stat 1. FDR changed the meaning of TRADING WITH THE ENEMY ACT of DEC 6th 1917 by changing the word “without” to citizens “within”the US. a Legal Name is a “Prisoner of War” Name. Fictitious “nom de guerre” name for a non-living entity: also referred to as the strawman and or transmitting utility.JOHN DOE -Name in all caps which is format called Capitus Dimenutio Maxima Capitus Diminutio Maxima (Maximum Diminished Status) means that a mans condition changes from freedom to bondage and becomes a slave or item of inventory – Blacks Law Dictionary Revised 4th Ed. 1968. A fictional persona being surety for the debt as fiction in commerce also known as “Ens Legis” which means “legal entity” It is non-human and “civilly dead”. That is not you… unless you are a fiction. Realize with your REAL EYES 😉 Freedom is real and attainable.

    Wake up America,
    God Bless the Republic and Her People

  • Tip of the iceberg has taken place in Hawaii. Enough money has disappeared from the ACA in Hawaii to give every person who has signed up a new BMW.

  • Unfortunately 2 constraints make it so some of us are unable to opt out of Obamacare.
    1- It’s taken out of SS automatically- no option
    2- Spouse emigrated to USA and is seeking citizenship. So she must comply with rules to be able to get citizenship in future.
    I wish I knew a way to opt out, as I don’t want it.