As Congress debates changes to the healthcare law, specifically repealing and replacing Obamacare mandates that have been in place since 2009, the reality of leaving the law in place gets darker.

Left unchecked, Americans’ health insurance premiums will likely go up by an average of 25% this year. Whether you get your insurance through your work, the individual market, or a government exchange, plan on spending more, according to a report by the Department of Health and Human Services.

And that 25% is just an average. Arizonans will see a 116% increase,  Tennesseans a 63% increase, Pennsylvanians a 53% increase, Oklahomans a 69% increase, and so on.

This means if you’re a 27-year-old man buying the second-cheapest silver plan in Arizona, your premiums will more than double from $196 to $422. Unfortunately, you may not be able to find another plan. Insurers have been dropping out of the exchanges. In some places, Americans only have one insurer to choose from, so shopping around isn’t an option.

Americans who get their health insurance through their work will see a smaller insurance hike, but deductibles for these plans have been going up steadily as well. Average deductibles rose 12 percent this year according to a Kaiser Family Foundation/Health Research & Educational Trust study.

Whatever happened to that promised $2,500 in health care cost savings the Obama Administration promised when the law was enacted in 2010? Since 2010, millions of Americans have lost their health insurance or experienced premium and deducible hikes. The so-called Affordable Care Act is also costing the nation more money than it has coming in. If allowed to stand, the law will increase the deficit by $131 billion over the next ten years.

It’s no wonder polls have consistently shown that a majority of Americans oppose the law.

Hopefully, Congress will move quickly to replace the law with patient-centered reforms that will increase choices and decrease costs. But is that the right move?

What are your thoughts?

Should we keep Obamacare as is, or is there a better way that results in better, more affordable healthcare outcomes? Does the government need to create a “solution” or should we empower grassroots, bottom-up ideas?

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