Judgment Day - October 1st, 2025 Nationwide Obamacare Crisis That Can't Be Stopped
You are in the right place at the right time to become wealthy. A crisis hits America on 10/01/25Judgment Day for Obamacare. Two things are happening that cannot be stopped. First, Obamacare's 2026 rate increases are massive. Healthcare.gov Rate Review lists Blue Cross of Texas' rate increase request at 39.28%. Here is proof:
https://ratereview.healthcare.gov/#urrresults?U2FsdGVkX19CmLe%2FG%2BwAaR%2BGiIaswzy%2BPVvqiJywQ1jpyovjoyodfm64FXA6L%2FTd%2FyyAsyvyUtgzyk7ie6VwEbQOXsxWGyt3TPwfwIIIhHE%3D
Secondly, the Democrats' Inflation Reduction Act (IRA) "Extended Tax Credits" expire in 2026. This means people earning more than 400% of the Federal Poverty Level (FPL) ($81,000 for a couple) will lose their 2025 ACA Subsidy. For example, a 62-year-old couple in Wichita Falls, Texas, on the Blue Cross HMO earning $82,000 in 2025, qualifies for a $32,220 ACA Subsidy that covers their entire $26,880 premium. Their 2025 cost is zero. However, with a Blue Cross 39.28% rate increase and the loss of all subsidies, their 2025 ACA premium of $0 will jump to $37,438 in 2026! That’s a $3,118 increase each month! This unreported crisis is happening nationwide and cannot be stopped.
Obama's legacy and the Democrats are in serious trouble. The crisis with Obamacare is more severe in Illinois than in Texas. If the 62-year-old couple moves to Carbondale, Illinois, their premium will jump from $4 in 2025 to $4,257 monthly, or $51,087 annually, in 2026. The collapse of Obamacare will be the top issue in the 2026 Election.
Here's what's happening: the free market is dismantling Obamacare without any politician’s help. This makes me proud to be an American. I work as a recruiter for America's oldest health insurance company, and I created America's first Health Savings Accounts (HSA) in 1996. My new book on Amazon is titled: The Great American Health Care Scam: How Politicians Created a System That Wasted Trillions and Trapped You in It Book link.
Amazon.com: The Great American Health Care Scam: How Politicians Created a System That Wasted Trillions and Trapped You in It eBook: Benham, Lee, Greiner, Ron: Kindle Store
https://www.youtube.com/watch?v=okephRYxO7k&t=1s
Obamacare led to the elimination of most Individual Medical (IM) insurance companies in the United States, resulting in America’s oldest health insurance company having no competitors. Luck is when preparation meets opportunity. I have been with this company since 1993, and Allstate has acquired it. The Trump Administration has introduced new rules that allow us to market our low-cost health insurance plans.
We have an exclusive offering on Short-Term Medical (STM) insurance that qualifies for tax-free Health Savings Accounts (HSAs) in Texas. Our HSA-qualifying STM can last for up to three years. As we do not enroll individuals with cancer, our premiums are significantly lower than Obamacare's. This process is referred to as medical underwriting.
Blue Cross HMOs pay nothing at non-network facilities like MD Anderson Cancer Center, which Newsweek has voted as the best cancer hospital in the world. MD Anderson Cancer Hospital is a network provider for Allstate, and no preauthorization is needed. Blue Cross of Texas reports that it has denied 30% of all in-network Obamacare claims. If your spouse gets cancer and you want the option of MD Anderson Cancer Hospital, you should choose Allstate Health Solutions.
Allstate has developed a new product that is zero-deductible and guaranteed renewable for this 62-year-old couple, at $10,956 per year. The manager I hire will earn $2,191 in first-year commissions and spend $10,000 monthly on talk radio, generating about 200 leads. A 20% closing rate will produce 40 sales, totaling $80,000 monthly or $70,000 after advertising expenses. That amounts to $840,000 in first-year commissions. The best part about insurance sales is that you sell once and continue to earn income forever. After the first year, the manager will earn over $1 million annually when renewals are added. This is personal production without agents.
www.Save101.com managers get the leads for the counties that they advertise in. These are called Regional Managers. The opportunity is larger than you can imagine. America's first HSA was enrolled at www.Save101.com in 1996, giving you tremendous credibility when selling our Allstate Health Solutions. The market is vast as the public switches from expensive employer-sponsored insurance and Obamacare to low-cost, medically underwritten insurance that costs 80% less.
Let's compare two examples. A retired City of Dallas employee must pay 100% of the Blue Cross premium. A 59-year-old retired couple in Dallas with two college-age children has to spend $3,508 monthly on the $6,350 HSA-Qualifying Blue Cross deductible. Allstate's zero-deductible plan costs $886 per month, offering better dental coverage that pays up to $3,000 per person and includes a 3-year rate lock. People dislike using their VISA card to pay the $6,350 deductible during hospitalization. They prefer using their zero-deductible Allstate card. The first-year commission is $2,126. For proof of Dallas retired City workers, see page 14.
https://dallascityhall.com/departments/humanresources/benefits/PublishingImages/Pages/2025%20retireebenefits/2025%20City%20of%20Dallas%20GuidePre%2065%20Retiree%20WD.pdf
Employees are paying more than Allstate prices. Rice University and City of Houston employees pay $1,000 monthly for employee family insurance. A 29-year-old Texas couple with three children can get the Allstate portable, zero-deductible insurance for $489 monthly, which includes the 3-year rate lock. Many employees can cut their premiums in half with Save101.com. Rice University employees pay $1,039 for the Aetna Choice PPO. Rice University spends an additional $3,014 monthly for a $4,053 total monthly premium. Proof page 4:
https://rice.app.box.com/s/cwje76no42yc6l2qrftq8dfhezwns55j
Since I created the first HSA in October 1996, the same month FOX News was launched, I have supported Nobel Prize-winning economist Milton Friedman's Republican idea of tax credits for Americans who buy individual insurance and do not rely on the significant tax advantage of employer-sponsored insurance. President Trump's American Health Care Act 2017 included age-based tax credits similar to those in decades-old Republican reforms. Many call this plan Trumpcare. I have never seen FOX News cover Republican healthcare solutions, so Texas Senator Ted Cruz, who ran for President in 2016, apparently has no understanding of Republican reform.
Senator Ted Cruz said he couldn't stomach Trump's refundable tax credits for poorer Texans in 2017. However, he has no problem with Rice University football coach Scott Abel earning $1 million annually, deducting his $48,636 health insurance premiums, and not paying a Cadillac Tax. The federal treasury loses Income and Payroll Tax, or 52.65%, or $25,606 annually, on this millionaire football coach's Aetna PPO. Ted Cruz doesn't want poorer single-parent mothers without employer insurance to have any federal tax breaks on Allstate insurance. Yet, he voted to eliminate the Cadillac Tax on millionaires' free employer insurance. My team is helping Alexandria Butler run for US Congress in Texas District 9 in Houston. Texas Senator Phil Gramm taught me about tax-free HSAs and Republican solutions in 1994.
https://www.youtube.com/watch?v=bSlAueeHfI
I met Congressman Chip Roy in Iowa when he supported DeSantis over President Trump in the 2024 election. Chip Roy told me his COBRA was $1,800 a month in 2011 when he got cancer, went to MD Anderson, and survived. I told Chip that Texas Obamacare plans exclude MD Anderson, and he should highlight that, but he doesn't. I also said that employers are selling insurance to employees without warning them how their premiums will increase with cancer. Chip told me, "Nobody told me that when I got cancer, my premiums would rise to $1,800 a month."
I explained that these non-licensed employers' HR salespeople are not providing full and proper disclosure, which is a serious ethics violation. Now that Chip Roy is running for Texas Attorney General in 2026, I think focusing on prosecuting this serious ethics violation could help Texas workers and save lives. Employers should require employees to sign that they understand the amount of their COBRA premiums during the first 18 months and the amount in the 19th month after a cancer diagnosis.
The free market is dismantling Obamacare without any elected politician’s help. This is precisely how it should occur in a free market economy. After the Judgment Day Obamacare crisis hits in October, Republican Healthcare Reform will become the top issue in the 2026 Election. I expect that bipartisan Trumpcare will be passed in 2027, and the federal government will start paying the premiums for your thousands of insurance clients in 2028. This will make it easier to enroll clients when the federal government relieves American employers from the expensive health insurance burden, leading to skyrocketing economic growth and prosperity for American families.
The Revolution in 2026 will be Greater than 1776!
If you are not licensed, you need a Health and Life license. Study for 4 days and take a test. I have no discounts. The cost is $149 at https://www.examfx.com/insurance-prelicensing-training
Your job is to "sell me" that you won't waste my time. Please send me your resume and tell me how excited you are.
Ron Greiner Founder https://www.save101.com/ Examples of our radio commercials are at the bottom of the About Us Page at https://www.save101.com/about/