Governor Murphy is ensuring that more New Jerseyans leave the state by continuing to make healthcare unaffordable.

Rather than admitting that the Affordable Care Act (known as Obamacare) as been an abysmal failure as so many elected officials, employers and health insurance subscribers across the county have Governor Murphy continues to double double down.  He announced in March that New Jersey will move to a state-based healthcare exchange beginning in 2021.  Murphy claims the move is to protect New Jerseyans from the “sabotage” of Obamacare by President Trump and Republicans in Congress.  What Murphy is really doing is putting politics before the health and lives of New Jerseyans and further ensuring that healthcare is unaffordable.

At a time when healthcare has become a crisis across the country Murphy’s move will further entrench the failed ACA in New Jersey   New Jersey has reinstated the individual mandate requiring New Jerseyans have insurance or pay a penalty and prevents insurance companies from selling less expensive less comprehensive policies.

Governor Murphy is playing political games with our healthcare and putting politics before the lives of New Jersyans.  Obamacare has made healthcare unaffordable for employers and subscribers and has all but destroyed small businesses.  I rarely make this blog about me but I will use myself as an example.  I founded my small business in 2005.  Prior to the passage of the Affordable Care Act I was able to go out to the competitive open market and shop for insurance or get on the group plans of professional organizations.  None of that exists anymore.  I now must go through the exchange.  Healthcare costs for a family of five used to cost me under $10,000 per year including premiums, co-pays and prescriptions prior to the Affordable Care Act becoming law.  As I shop on the exchange for a 2020 plan my healthcare costs will increase to between $30,000 and $40,000 for two people!  My 2020 healthcare costs will exceed the median income in the U.S.  Add to that an average combined state and federal tax bill of around $35,000 and I will spend $65,000 to $75,000 in 2020 on healthcare and taxes before I pay for any other life sustaining requirements such as food and housing!

Here are some of the options I have.

Ins 1

Ins 2

Ins 3

Ins 4

Ins 5

You’ll notice that there are only two companies writing individual policies in New Jersey – Horizon Blue Cross Blue Shield and Amrihealth New Jersey.  That’s it.  There is literally no competitive marketplace for health insurance in New Jersey.  Those who need individual plans must go through the Marketplace and must choose from one of two companies.

While Republicans held both the House and Senate they failed to come up with a better plan.  We are stuck in a national healthcare crisis that Governor Murphy is making worse for New Jerseyans.  There is hope.  We need to ensure that President Trump is reelected in 2020, Republicans take back the House of Representatives in 2020 and Republicans maintain control and gain seats in the Senate .  That is our only hope at solving this crisis.  Democrats have demonstrated that they will not fix the healthcare crisis

Dana DiRisio, 2020 Congressional Candidate (R, NJ-05) said “In 2009, Republicans in The House of Representatives worked tirelessly to defeat Obamacare (known today as the Affordable Care Act). At the time, I was a congressional staffer and, along with my colleagues, worked around the clock to defeat the bill.  A little-known caucus, The Republican Study Committee, had formulated policy alternatives to ACA. During an aisle conversation at the 2010 State of the Union, my former boss shared those alternatives with President Obama on behalf of the RSC.

After many nights, weekends, thousands of phone calls, sweat and tears later, Republicans accepted defeat. We know how the story ended; as Nancy Pelosi said at the time: “We have to pass the bill to find out what’s in it.”

Ten years later, Americans are still experiencing the consequences of this disastrous legislation. When President Trump was elected in 2016, he created an upheaval in buttoned-up Washington, DC and as a result, the Republicans took FAR too long to embrace their new President and therefore lost the chance to repeal and replace Obamacare.

The last best hope to remedy our healthcare system is to re-elect President Trump in 2020 and take back the House of Representatives in a Republican landslide”.

Tricia Flanagan, 2020 Republican candidate for United States Senate from New Jersey said “The decline of American standards in healthcare started with a steep turn toward Obamacare in the 1990’s when Hillary Clinton, the self-appointed Czar of Healthcare, decided that it was lawyers, HMOs, and government who needed to be in charge of medical treatments and decisions. It was that slippery slope of intervention that sparked the mandate of higher costs, sky-rocketing premiums, decreased quality of care, and limited access to innovation that ultimately resulted in what we now know as Obamacare. It put bureaucrats at the helm of increasingly rationed care and service, and put a staggering price tag on an insurance mandate where the only winners are the government and illegal resident recipients. What happened and how do we fix this healthcare mess?”

Flanagan is rolling out her plan the American Healthcare Restoration Act which cuts premiums by as much as half, with no deductibles, and offers increased access to quality care and innovative treatments.  Flanagan’s  Healthcare Plan ensures that patients and doctors are put back in charge of healthcare decisions instead of the government who never should have been involved – all at a drastically lower cost to patients with increased benefits in return.

Both President Trump and Senate Leader McConnell have pledged to repeal Obamacare in the coming legislative session after the 2020 election.  Governor Murphy is up for reelection in 2021.  It is critical that we come together to ensure that Republicans maintain a majority and gain seats in the United States Senate, retake the United States House of Representatives, retake the New Jersey Governor’s seat and take control of the New Jersey legislature.  There is too much at stake for our nation and our state!  In the meantime I will spend between $30,000 and $40,000 on my healthcare in 2020 and hope and pray that someone ends this crisis.

We read last week that a Garden State Initiative/Fairleigh Dickinson University poll found that 44% New Jereyans are planning to leave the state within 5 years.  The mains reasons cited were taxes and overall cost of living.  Rather than moving us closer to a free market health system to reduce costs Murphy is doubling down on the very cause of our crisis.  Governor Murphy and the Democratic Legislators in Trenton appear focused on their taxpayer funded war on Washington, opposing President Trump, “legalizing” marijuana, sanctuary for illegal immigrants, free college education for illegal immigrants, funding the legal defense of illegal immigrants facing detention or deportation, LGBT education in schools, ending the livelihoods of independent contractors, criminal justice reform that will make your family less safe, how law enforcement interacts with the LGBT community and a host of other things that do not have an effect on the lives of average New Jersyans while I see them doing nothing to stop the outflow and projected outflow of businesses and residents from the state by making New Jersey more affordable. 

Murphy Hands

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