August 10, 2017

Obamacare: What happens if people have no Obamacare health insurance choices?

Obamacare:  What happens if all insurance companies exit the Obamacare marketplace, and people have no Obamacare health insurance choices?

Good question, given the number of insurance companies fleeing the Obamacare marketplace, including Anthem Blue Cross Blue Shield.  With Anthem's Nevada exit, 17 Nevada counties currently have no Obamacare health insurance coverage choices for 2018.

And the answer?  Right now, no one knows. The Obamacare law (technically the Affordable Care Act, although the insurance coverage has proven to be anything but affordable for many people) is a mega 961 page document.  But nowhere ... nowhere ... does the law address remedies for consumers who are legally required to purchase Obamacare health insurance coverage, yet cannot do so because no insurance companies offer coverage in their area.

Yes, the politicians who drafted this law thought that scenario would never happen.  They thought insurance companies would be lining up outside the door to provide coverage in the Obamacare insurance exchange, when just the opposite is happening.  And remember, our politicians also assured us that Obamacare consumers would be able to keep their current doctors and health plan, with lower costs to us all.  Turned out to be a bold faced lie.
"If you like the plan you have, you can keep it.  If you like the doctor you have, you can keep your doctor, too.  The only change you’ll see are falling costs as our reforms take hold."  -- President Barack Obama, June 6, 2009.
Concerns about Health Insurance or Related Obamacare Matters?

Mary Rae Fouts, EA assists clients who have concerns about insurance, tax, and related financial issues.  For more information about Mary's Tax, Consulting, and Expert Witness Services visit Fouts Financial Group.  She welcomes your call at (510) 421-5457 or email to

Mary Rae Fouts


  1. Why cant a person buy Obamacare insurance from another location?

    1. The Affordable Care Act mandates coverage based on what insurance companies sell (and the respective plan prices) in the county in which you live. Or parish for Louisiana. So you are limited in choice to what is sold in the county in which you live.

  2. Why can't an insurance company be forced to provide Obamacare insurance?

    1. Free market place. An insurance company can choose to participate, either in an entire state or only in certain counties/parishes in the state, or choose not to. Right now, the government has no backup plan if a consumer is left with no Obamacare choices.

  3. We need a single payer system like Canada and other countries. Works best for everyone.


Thanks for sharing your comments here! Mary Rae Fouts