Solutions to obamacare and the problem is the law has created. Especial users guide 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 million americans 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 would ram this through so there is help. Gerri for americans to have Insurance Coverage you can keep it. Duquesne 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 calculator on there website you could calculate the subsidies you are eligible for. They use this on the federal 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 had 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 mom 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 pay 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 paying 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 is a dancer . It already is. Self insurance were you are not under the heavy hand of obamacare 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 all the risk if one gets very ill you still have a problem. It is not a panacea but a situation 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 are 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 between private republican approach. 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 big board 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 example 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 attracting 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 what still some weeks that does dna testing to look to see what should i be werke to protect myself . We will see more personalized madison because of the harnessing of the human genome 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 are out from obamacare. There has to be a better way hope we can find that. Gerri you are sticking around as the solutions continue and we will talk about the politics surrounding the law and what washington can do now. In the meantime go to gerri willis. Com. Individual solutions thats health in numbers. Unitedalthcare. 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 am not happy about that 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 of americans have bid 10 million more will have. It doesnt just have colbert problems it is flawed. It will not work they can try to tax parts of it but ultimately they have to take a look amir to say we screwed up we finally read it we have to go back to the drawing board. Gerri he apologized last night. I am sorry that they are finding 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 Health Coverage it does cover kirch feelings . Said he is sorry if youre hurt the leagues but not for making the promises. Have a website still promises you could keep your coverage but they cannot fix the whole page of 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 a bad bill . They do they 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 is nonetheless the matter. Gerri why dont they delayed the mandate for one year . Check the people need relief even if they get the web site working a constituent from North Carolina came to us last week and with personal information and from another person applying for coverage that disclosed tim a North Carolina man received a South Carolina cabana the eligibility. 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 signature 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 testing. There have been concerns about the security of the web site. There is some indication as they do there was a problem of at the lunch were their security concerns . Why did you go ahead . The web site may be fixed but that is a lasting judgment call. Gerri as a you say not only did they know a bunch of people 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 week it seemed fine in this would never have the baby because the people ascii for her resignation 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 the americans 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 the security of u. S. Records criminals pay more for Health Care Records more is there a Social Security number and there it is to be had. Will be back after the break looking at more solutions to the rise a cost of obamacare. Dont go away. With Premium Service likene of the best ontime delivery records and a low claims ratio, we do whatever it takes to make your business our business. Od. Helping the world keep promises. So i can reach ally bank 24 7, but there ar24 7. Branches . Im sorry,m just really reluctant to try new things. Really . Whats wrong with trying new things . Look mommys new vacuum cat screech you feel that in yi do. C drink water. Its a long story. Ll, not having branches lets us give you great rates and seice. Id like that. A new way to bank. A better way to save. Ally bank. Yo money needs an ally. Gerri users guide to obamacare continues tonight with the in 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 deficit and reeler the opposite. People are not citing up to subsidize but you can 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 that 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 Budget Office says 2023 it will cost 250 billion for the subsidies. That is four or five times what he promised 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 between carriage of 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 same . 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 gets off 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 about the Mental Health benefit i understand but psychiatrists do not work to work for this kind 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 key point is why do we add more benefits to the one size fits all package . That 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 combined with the problems of Medicare MedicaidSocial Security is a recipe for disaster. Gerri you were on 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 trend of public they began shaving. Added next one of the most important stories from the week a look at a genetic testing 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 uld be a better, safer energy company. I can tell y safety is at the heart of everything we do. Weve added cuttingedge technology, monitoring center, whe expertsat watch over allrilling activity twentyfoseven. And we sharing what weve lrned, so we can all produce energy more safely. Our commitmentasnever been. 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 obamacare is shifty to protect itself that leaves you on your own. We have been talking about solutions than one shortcut 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 called the ancestry composition we can take your dna to break down into percentages of your ancestors who are mostly european said tuesday a big 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 had no idea a big reveal for be by an asterisk for celiac . You are at a very significant increased risk that is a profound included allergies of misinformation you can share with your doctor some people dont know they have a and genetics plays a big role. Gerri i am already taking steps that it hhs made a 95 but you could get pay deprivation that could really help you. The other thing that i have to put in my medical records about a drug response. You are hypersensitive to a blood a blood thinner you would require a much lower dose so this is important innovation to share with your doctor because you could have the adverse side effect. Gerri is a you made i could lead out in a situation. That is critically important lots of questions today when you are a did a bad bet if you create designer babies . We filed the patent to help people understand when two people think about having a child what the chances are it would have certain trades like eye color could the child have blue . It is a tool to understand how genetics are passed down to the next generation. Gerri title lot of you are larry but think of it this way you could learn something about yourself to allow you to prevent a problem down the road salt a Health Problem before it happens. I did and it is worth thinking about. To the twitter follower who suggested that i am getting paid to promote their service. Dont i wish . Go. I am not being paid i just think it is a good service. Bows story sure click jake on the unexpectedly strong and a blender report gives the stock a lift to does have investors wondering what is a need for the Stimulus Program . Adding 204,000 last month for august and september than previously been reported perpetrators stock after social networks had a smooth public debut add 26 long dash tired of the 26 ipo price. Yesterday the guest predicted a selloff but today the dawdles sales edged up the Biggest Company is credited for a limited time offers like the mighty wings and puckett coffee. City and state officials have pursued bankruptcy but the city says it is the last resort the city filed in july. Those are some of fostorias right now. When we come back celebrity chef is year and ben and women getting their revenge she is a home record dhaka. Is a legal . Stay with us. At od, whatever business youre in, thats the business were in with Premium Service like one of the best ontime delivery records and a low claims ratio, we do whatever it takes to make your business our business. Od. Helpg the world keep promises. Gerri we had serious topics now switching gears the jilted is causing revenge websites to surge of popularity one of them she is a home wrecker. Com gives women the average 32 anonymously day more shave their boyfriends but is a legal . We have a partner from duncan and Hunter Law Firm from new orleans. And or fox news legal analyst. It is legal for the sir they are covered by the Committee Said decency act of the servers can put on whatever they want but where it gets tricky is not for the service itself but the people who are posting there posting dates that are not true or theyd make it public about private tax they babies sued for defamation. Gerri is this legal . Back at a rare opportunity but i agree. It is a shock. The truth is that theoretically it is legal but people could say phase and tuesdays letter so a rages that there rigby an attempt to reach through that to go out after the person individually who is doing the reporting or saying that they this bad status. Gerri is appalling. This is not some place you want to spend a lot of time. So there is liable, defamation, a slander . It applies with the Divorce Court because in all comes out. You posted this then the of bloody the wife who does this to the husband fair disclosure now oocyte called he is a home wrecker. Com. But it does remind people but to have it splattered all over the internet is a problem and lawyers to break these types of cases will not be attracted to go after the individual as opposed to the network or individual Service Provider who have the deep pocket. It is a real problem and baby to be addressed. Also the ultimate defense is is it true . But if they live said you talk about defamation and slander. You have to prove it. Some states do have the invasion of privacy laws just the fact it is on there even if it is true could have a cause of action but if they keep the proliferators anonymous and then how do you know, who to go after that could lead to lawsuits against the provider in the web site to force them to disclose who these people are. Gerri ed you agree to much. Forget the legal credentials. What the state of this public baby and shaving . It is wrong and horrible and discussed thank. Anybody that stoops to that level is not kosher in my book. Is definitely not kosher we agree again but i cannot help that but any fair minded person does not want to see their dirty laundry for the whole country. That doesnt need the person who did the cheating is right but use this forum it is a statement had although our society could be to let this stuff go on. Should be of awful but how does that happen . Good lot. That will not happen and that Divorce Court any judges sees that you try to shave your husband or wife i know the key will be very sympathetic. The only other side it worth is that if people know they could be shamed into teacher their behavior . This has been going on since before the internet. But they had to find some think. [laughter] gerri have flooded new orleans. I am here for work. Gerri we heard that. Either would you agree you are still flood has always. Is it okay to publicly blame and shame . Log on and vote on the righthand side of the screen and still to come my 0. 2 just 20 days away from the best family day of the year and we have tips from one of the best shops out there, todd english. Next. So ally bank has a raise your rate cd that wothats correct. A rate. Cause im really nervo about getting trapped. Whys that . Uh, mark . Go getelp i ve my reasons. If our rate on thicd wigoes up, yoursan too. Cd. Oh that soundsice. Dont feel trapped with the ly raise your rate cd. Ally bank. Your money needs an ally. Gerri from spending time with loved ones to the macys parade there are plenty of reasons to love thanksgiving but the food is the mania event here to his secrets is celebrity chef todd english author of cooking in everyday english. You did dodd frank me one . [laughter] it is on its way. As a chef is there a better holiday it is all the wonderful things the net in the air and you feel like eating and going for it. I am not from here. I am from North Carolina and people here got out to dinner on thanksgiving . The tradition is at home. I am happy with three restaurants in the city but i agree. I love to cook. Get the faaily and friends around then bring dishes over then you feel obligated to make everything the dishes in the cranberry but then there is the cleanup that is the fun part. Gerri that is what the husband is for. For their kids but thanksgiving food taste better the day after so Start Cooking a couple of days ahead of time. Gerri nothing worse than have a room full of people and you are not ready. What is your ideal thanksgiving meal . What would be the best deal ever . Every year to meet it is about the sides i love turkey. But the fund vegas to play with are the cranberry relish, a turn ups. Gerri they are boring speech you can roast them more at Cheddar Cheese or maple syrup or not they can and spices to make them different but as far as what else goes on and with the turkey and i love billy so i will put white truffles that is extensive. Gerri i will delay of this year. Would every like. We have done a vegetarian and turkeys, squash, ham, bacon staff aide for your lamb. Something find and different they doubt the fed achieves. Gerri if you could get there about 2 00 that would be great. We will deliver it to your house. Great to information and. And not even without pie it does not have to be homemade. According to the npr survey one quarter by there is at the store. Which tops of by are the most popular . Blueberry. Wide out of ted service and it is popular in made. Number for gerri. Number three punt again. 60 percent say it as the place of the table. Number twos strawberry or even strawberry rhubarb. Number one is apple the allamerican and desert the favorite of 20 percent of families and historians found apple pie going back to the 14th century. My motherinlaw makes cherry and apple if you choose the apple she says what is wrong with the cherry . Well be right back with the question of the day is it okay to publicly baby and a sham like digest did . [laughter] get id to do something yoreally love, what wouldou do . [ woman ] id be a writer. [ man ] id be a baker. Woman ] i wanna be a pie maker. [ man i wanna be a pilot [ woman ] id be an architect. What if i told you someone could pay you and what if that person wereou . Whenou think about i isnt that what retirement should be, paying ourselves to do what we love . But it doesnt ual work that way with health care. With unitedhealthcare, i get information on quality rated doctors, Treatment Options and cost estimates, so we can ke Better Health decisions. Thats health inumbers. Unitedhealthcare. Gerri earlier this hour, debate on homewrecker websites and if it is legal. Is that okay . We asked the question on gerriwillis. Com. 53 said yes and 47 said no. Be sure to log on to onto gerriwillis. Com for our online question every weekday. And finally tonight, we have done our best to come up with solutions tonight for obamacare. Other ways to get Health Care Insurance, im going tt review a couple of them right now. The Kaiser Family foundation have the calculator on their website that can help you figure out whether you are eligible for subsidy them what you can expect to pay. Do not forget the limit on outofpocket costs. Check out this website. And talk about extending your current coverage. Its possible that you are in sure will allow you to extend your policy for another 12 months. And it couldnt hurt to get procedures and test on now instead of later. Some good news tonight, private exchanges are beginning to emerge and may be a solution. Keep watching the willis report. Well tell you about the changes coming up. That is my two cents more. We will bring you a users guide to shopping. Next week. The best deals to the holiday season. Again, the users guide on shopping starts monday and goes all week long. Thats it for the willis report. Dvr our show if you cant catch a fly. Gerri lou president obama is being have to fix the failing website. Today, suggesting the product has not ended. The polls show the very people obamacare is aimed at do not seem interested in buying Health Care Insurance from the president exchanges. I am lou dobbs. Lou good evening, everyone. The uninsured were supposed to be the big winners when obamacare rolled out. But a brandnew gallup poll so that an overwhelming majority of the uninsured havent so much as log onto health