Solutions to obamacare and the problem is the law has created. Espeal users gui to skyrocket a rocky premiums implants theyve told they could keep you have heard the litany of problems but tonight our panel of experts breaks down real strategy is in Real Solutions and answers. Douglas told secant is here chris Jacobs Center for policy Health Studies at george pataki. I was on the web site. You actually got through . Of of pages still says you can keep your insurance policy if you want to. Rita l. Thats not true of the president just apologize about that and the fact is 8 millionmericans is this year will be notified their policies are canceled. That is sent to right but theyre all are treated as a and exemptions that Congress Pass when they wou ram this through so there is help. Gerri for americanso have Insurance Coverage you can keep it. Duesne not to. Down, one of the fate this i have been talking about is the Kaiser Family foundation is known as an expert and they have a callator there website you could calculate the subsids you are eligible for. They use this on the federal government web site you cannot get on there. [laughter] they are experts it is a goodfaith effort to give help but the bottom line is we will have winners and losers the letters will go to Kaiser Family foundation a juicy it can break it down to something reasonable also it is not a solution for what h to present a at. The next question is to reduce the for your doctor . Gerri the problems go on and off but people tonight know that mo or dad or somebody in the family that was just canceled a and what can they get on the federal government web site . If you are 62 yearold woman making a 32,000 per year. Here is what you get from the obamacare web site at a premium of 7,200 a subsidy of 4400 so you py 3,000 out of pocket. That is 6,300 that is a fair amount of moneys be back for a lot of people premiums have gone up maybe therell be ying 2,000 with 4,000 deductible now they pay 3,000 with 6,300 deductible because obamacare is forcing Insurance Companies to cover other services they have to pay more. Than a 62 yearold woman is getting maternity services. But she still has to pay for it if she doesnt. Gerri private exchanges. Private insurance exchanges, is a possible this i a dancer . It already is. Self insurance were you are not under the heavy hand of obacare if you are signed up with Self Insurance a lot of times workers dont even know. You have no rules or penalties of our taxes of obamacare but for Small Businesses to join 60 of Large Business and 80 percent of the unions get it through a Self Insurance for only 50 percent of Small Business so they should look at this it is more e efficient and less expensive and allows you to tailor the coverage. Gerri what are your criticisms . If you are a self a small firms Health Insurer you take on allhe risk if one gets very ill you still have a problem. It is not a panacea but a tuation they have been cahow forced into trying to find any shelter. Governor . There is an option if you are a Small Business you dont want to assume the risk of somebody gets a serious illness you have to pay 200,000 is a you can get insurance anything above 5,000 or 10,000 you a covered with a private insurer that the employer pays for. You could limit their risk estimate thats a good point but the important to peace is it is tailored it is what obamacare does not let you tailor it to your circumstances the biggest difference betweenrivate republican aroach. Gerri people want to see private Sector Solutions they dont want to be with the government program. What else is emerging . Private exchanges are out there and Health Insurance is an option of. Pieces like clinics that have ready access to care. But to put the lipstick on the bigoard make lemonade out of beloved choose the analogy. On how they may not be available in would be difficult to get doctors and was searching for a solution because i hear from people from medicare to say i am really worried will lose my doctor over time that they will work with people who are really wealthy. I think these people should see what their plans are to majors. If they can get a doctor to enter the phone. Middleclass it is hard to do. Just as an exampl 82 a and kentucky signed up for medicaid there might not be enough doctors. Gerri what can we do about that problem of . If you have private markets we offer by a having a higher wages and attracng people died here is the low reimbursement rates to medicaid to save with the obamacare exchange. They are the medicaid of the future that is not a solution gerri out it is on view. Have to get your own coverage, find a doctor with the hospital they allow you to use, people say how can i look out for myself . I have spent jockeyed of wh still some weeks that does dna testing to look to see what shouli be werke to prott myself . Weill see more personalized madison because of the harnessing of the humagenome to be tailored you see that with the problem is obamacare tries to put the one size fits all solution. No question. One of the sad alternatives is to be a Small Business with fewer than 30 workers why were not seeing him plugging grow parttime workers held at 29 you e out from obamacare. There has to be a better way hope we can find that. Gerri you are sticking around as theolutions continue and we will talk about the polics suounding the law and what washington can do now. In the meantime go to gerri willis. Com. Willis. Com. Individual solutions so ally bank has a raise yo rate cd cause im really nervous thaabout getting trapped. Rate. Whys that . Uh, mark . Go get help i have my reasons. Look, you dont have to feel trapped with our raise your rate cd. If our rate on this cd goes up, yours can too. Oh that sounds nice. Dont feel trapped with the ally raise your rate cd. Ally bank. Your money needs an ally. T several comeback to an hour to find Real Solutions to the problems created under law problems that the president today made a light touch did his p. J. Louisiana we had this problem with the website. I amot happy about that i want to fix it myself but i dont write code. There will only be so much support we get on that on a bipartisan basis and tell it is working real well then they will stop calling and obamacare. Gerri our panel is back. And from the center of Health Policy studies thank governor pataki is that in good taste . Ltd. Is pathetic he is laughing at a problem that millions ofamericans have bid0 million more will have. It doesnt just have colbert problems it is flawed. It willot work they can try to tax parts of it but ultimately they have to take a loo amir to say we screweup we finally read it we have to go back to the drawing board. Gerri hapologized last night. I am sorry that they are fiing themselves in this situation based on assurances they got from the. That is as close to an apology will ever get from this president. He is not noted for his modesty and i really think this will come back to haunt him. It a forceful way he did promise people he keep their plan or keep their doctor. It is not true but the governor is right that is not the only problem the more you dig the more problems you will find that is the taliban problem. Gerri now at the back and read the website tries to communicate with providers. It is interesting obamacare doesnt let you keep your alth coverage it does cover kirch feelings . Said he is sorry if youre hurt the leagues but not for ming the promises. Have a website still promises you could keep your coverage but they cannot fix the whole pagef the web site . How to the fix the web site . They cant they cannot fix the law. , the tides to buy securities they this was bad bill . They do ey were doing back. Gerri here is what the president said. I have been burned already with the web site or more apart the the of people have the verge. He still has his health care but what about the 65 yearold will get . I dont feel sorry for the president. I just want to echo. The American People have a problem they paid for a website that doesnt ork about may very well not be secure and once it is working they still have a bad lot it inonetheless the matter. Gerri why dont they delayed the mandate for one year . Check the ople need relief even if they get the web site working a constituent from North Carolina came to us last week and wh personal information and from another person applying for coverage that disosed tim a North Carolina man received a South Carolina cabana t elibility. Gerri in washington is the same state. [laughter] your information is not safe such you really want to use it . Flying down to the president. She knows that he is that travel in the louisiana and she is running next year. Then every major social issue advanced in a bipartisan way except obamacare this was the signate of the democratic majority with the catastrophe they have too old at what them to see that runaway. Gerri date sapir said the chief Technology Officer for the what will they learn . Iraq fifth security teing. There have been concerns about the security of the web site. There is so indication as they do there was a problem of at the lunch wertheir security concerns . Why did you go ahead . The web site may be fixed t that is a lasting judgmentall. Gerri as a you say not only did they know a bunch of pele would lose their coverage but they also do there was Security Problems . The administration and said theyd never did end to end testing and last wek it seemed fine in this would never have the baby because the people ascii for her resiation as she does not work for them so she doesnt care but the people the to go this website is secure before they pert but if the Social Security numbers to back the chinese will go more of themericans they have the nsa. I guarantee there is a little phial of everybody. It is absurd. It is funny except it is tragic. The irs the Social Security administration it is not just my number but a weak point in theecurity of u. S. Recordsriminals pay more for health care recos more is there a Social Security number and there it ito be had. Will be back after the break looking at more solutions to the rise a cost of obamacare. Dont go away. [ male announcer ] it is more than just a new car. More than a new interior liting system. It is more than a hot stone massage. And more than your favorite scent infused into the cabin. It is a completely new era of innovation. And the highest expression of mercedesbenz. Introducing the 2014 sclass. The best or nothing. [ male announcer ] the parking lot helps by letting us know whos coming. The carts keep everyone on the right track. The pow tools iroduce themselves. All the bits and bulbs keep themselves stocked. And the doors even handle the checkout so we can work on that thing thats stuck in the thing. [ female announcer ] today, cisco is connecting the internet of erything. So everyone goes home happy. Gerri users guide to obamacare continues tonight with the i depth look at the massive cost of this law that Small Businesses even the system itself could the cost craig the whole system down . Us bring back our guest. It introduced the floor from the wall street journal. About me with this. The price tag on eight we were originally told in 2013 over ted years is 1. 8 trillion how does that have happened . Why is there such a big boost . Douglas is the one who bridges the numbers i think it is voodoo. We have talked for weeks about the fact the promise is broken and if you want your health care you could keep it but here is the bigger lie the idea this will pay for itself and will not blow a hole in the deficitand reel the opposite. People are not citing up to subsidize but youan see a massive cost. One of the biggest cost of the detrimental impact is what of the reasons you see the price tag go up. A lot of people who are unemployed logger than anyone projected and obamacare raises the price tag. If we get past the starter problems there is no chance it will add up but the premiums are too high and dead in tt end we dont get much of a program. The store famine. Nothing in between. Gerri and i think the real fear is the program goes topseeded billions of people inside that said we have a huge tap have the president said yesterday that he wants to put even more subsidy money on the table. Exactly. In addition to promise a you can keep your plan but did in 2008 president or a candidate obama said it would cost 50 or 60 million per year when fully implemented the commercial budg office says 2023 it will cost 250 billion for the subsidies. That is four or five times what he prosed not county if you kids get a waiver or if they have to subsidized or four employers decide to drop coverage it is a lowball estimate. Gerri and so a big announcement from Kathleen Sebelius earlier today talking about adding mentalhealth. [laughter] so she says there should be parity beten carriagof mentalhealth issues and physical ailments. If i break my arm on sixth avenue i will see a doctor who wwll fix ann it is over. Therapy is once a week over years. How do you make them the . The cost is different. You talk to all major new crosstree already know that obamacare is basic plan is much more important one dash expensive than people thought. They will continue to add benefits. If it ever getoff the ground. Every american and once their own health plan. Like kiwi be a society to pick and choose . Why do we do onesizefitsall . I do not the maternity care. [laughter] gerri tell me something intelligent aboutthe Mental Health benefit i understand but psyiatrists do not work to work for this ki of money that medicare and Medicaid Services do. That is between the metal kolff services with a lack of access. Said it there are some elements like diabetes better chronicler better similar to a Mental Health so they try to establish parity but the k point is why do we add more benefits to the one size fits all package . Th is what is wrong with this from the Insurance Point of view. Gerri last word what is the biggest problem . The benefits a of that there are incentives to put more people in the exchanges so he put them with a government benefit kirk combinewith the problems of Medicare MedicaidSocial Security is a recipe for disaster. Gerri you weren capitol hill did you see it . Dont say we didnt try to warn you but the regulations in three years ago said you cannot keep your plan but now people our just waking in up to the reality. Gerri stake you so much. We appreciate your time. Coming up we will switch gears for current legal panel weighs in on a new tren of public they began shaving. Added next one of the most important stories from the week a look at a genetic teing can change your life after the break. When we made our commitment to the gulf, bp had two big goals help the gulf recover and learn from what happened so we could be a better, safer energy company. I can tell you safety is at the heart of everything we do. Weve added cuttingedge technology, like a new deepwater well cap and a statoftheart monitoring center, whe experts watch over all drilling activity twentyfourseven. And were sharing what weve learned, so we can all produce energy more safely. Our coitment has never been stronger. So i deserve a Small Business credit card with amazing rewards. With the spark cascard from capital one, i get 2 cash back on ery purchase, every day. I break my back around here. Finally soones recognizing me with unlimited rewards meetings start at 11, cindy. [ male announcer get the spark Business Card from capital one. Choose 2 cash back or double miles on every purchase, every d. Whats in your wallet . I need your timeeets, larry see who does good work and compare costs. It doesnt usually work that way with health care. But with unitedhealthcare, i get information on quality rated doctors, Treatment Options and estimates for how much ill pay. That helps me, and my guys, make better decisions. I dont like guesses with my business, and definitely not with our health. Innovations that work for you. Thats health in numbers. Unitedhealthcare. train horn vo wherever our trains go, the economy comes to life. Vonorfolk southern. Ains go, one line, infinite possibilities. Gerri welcome back. Finding answers to coping with obamacare is not easy on a personal level a can be intimidating. Or scary for the 5 Million People who have had their Health Insurance canceled but the risks our bigger than back getting Affordable Care you can have confidence in it is more difficult for ever but a. Will your doctor be around next year . The year after that . What about your hospital . Will your insurer paid for you to go there or had chosen at cheaper facility . The burden of responsibility is shifting to you. You have to make sure you get the care they you need and deserve. Under obamacares shifty to protect itself that leaves you on your own. We have been talking about solutions than one shtcut or one solution that i thought that may interest you is a web site that is a dna test a web site. Gerri i was blown away. Surprise. Ancestry affirmation. We have a schoolteacher lled the ancestry composition we can take your dna to break down into percentages of your ancestors who are mostly european said tuesday a b chunk from Great Britain or ireland. We do this for europe and africa and asia all over the world. Gerri 40point 5 british irish got a surprise. I h