you can get in on the conversation using the #kellyfire. it has taken off on twitter and trending now. this is "the kelly file." we are done. >> controversial from the start. >> if you like your doctor, you'll be able to keep your doctor. >> keep your insurance if you like it. >> obama care has changed the medical system. we go to oklahoma to find out what effect it has on patients. >> i'm married to someone of the same sex but i'm made to purchase birth control coverage. >> on doctors, on politics. >> we have had it confirmed. it's a disaster. >> you life may depend on it.

>> if obama care is not replaced, the american people will have worse health care. >> fox news reporting, live free or died, obamacare. >> live free or die. that's the motto of new hampshire and right now there is a life and death political struggle going on here that reflects the national furor over the affordable care act, better known as obamacare, a law that is reshaping health care in new hampshire and is part of a larger battle that may reshape the senate this fall. i am looking at what effect obamacare is having on these fiercely independent people. there are a lot of opinions, but this much is certain, it's shaking things up. >> rochester, new hampshire, home to 63-year-old grandmother,

margaret mccarthy. >> i'm not a lawyer or political activist. i'm just an ordinary person that would like to have affordable insurance coverage that would allow me to continue to see the doctors that i know and trust. >> reporter: mrs. mccarthy is a retired bookkeeper who for years has purchased her own health insurance policy. >> right now i pay approximately $7,000 a year in premium and $2500 deductible. >> reporter: like millions of americans, mrs. mccarthy has discovered after obamacare if she wants to keep an equivalent policy, she's going to have to pay an extra $3,000 a year in premiums and deductible of $3,000, a more than 30% increase. that's partly because the health reform law requires insurers to provide more features and to

cover everyone, no matter how high risk and that costs money. margaret who has a chronic intestinal condition gets her care at the frisbee medical center. >> it's convenient. it is three, four miles away. i have a high level of trust for the doctors in this facility. i've been seeing these doctors for the past 15 years. we've built up a relationship. we have a rapport. >> reporter: but that may soon change. frisbee is one of the hospitals that has been excluded from the obamacare insurance exchange under what is known as a narrow network plan being irpmented by anthem blue cross. this narrow network phenomenon is a consequence of obamacare. insurers facing the cost of covering more people squeeze money out of the system by

dealing with fewer health care providers and paying them less. these doctors and hospitals in turn make up for the lost money with volume. in the form of new patients, coming from those health care providers who have been excluded from the network. >> the fact that you have the inpossibility as a consumer to go to a doctor they might want to go to is a direct result of the standardized plan that are required to be offered as a result of the aca. >> reporter: chris condalucci worked for the senate finance committee that drafted the legislation. >> that is translating into a narrow network and limited ability for consumers policyholders to get the medical care that they need. >> i'm not sure -- >> reporter: mrs. mccarthy may be priced out of her own hospital. >> i won't be able to come to

frisbee hospital. i won't be able to see my internist or gynecologist or have the same surgeons i've had in the past. i can't get my lab work done here in rochester. >> it's eliminated a third of the hospitals in the state of new hampshire. >> reporter: al selgar, ceo of the frisbee hospital system is all aware of the narrow network. >> our state is 1.3 million. >> you took out a billboard criticizing the affordable care act. is this kind of activism a normal thing for you? >> no. hospital people are supposed to be conservative. but when i heard this rollout of this obamacare, i was incensed. >> reporter: angry enough he petitioned for a hearing on the matter. his co petitioner, margaret

mccarthy. >> this new network was decided in secrecy and made known to consumers a few short months ago. it doesn't make sense i should have to drive past my local doctors and hospitals to seek care in another community. >> reporter: the hearing was held in concord, the state capital. >> we, the public are being denied access to the doctors. >> the people were promised by the president of the united states that they could keep their health care insurance and they were told that they can keep their hospital and doctor and it has not happened. >> i felt validated that there were other people that said the same things that i've been thinking for months now. >> reporter: one of the reasons citizens were up in arms was that the new system wasn't supposed to work this way.

>> you keep your insurance if you like it. it will increase choices for families and promote competition. >> reporter: the democratic senator from new hampshire echoed the president with the promise for the affordable care act. >> don't tell me something is true and then i find it's not. >> reporter: rogers johnson has been a health care consultant for 32 years. >> don't tell me it's affordable and it's not. don't tell me i can go to this hospital when i can't. when i know that what you're telling me is not true i question the individuals who made that offer. >> reporter: but this wasn't the first time that jean -- waded into the waters of health care refofr. in the mid-90s she led a reform effort that created a prototype for obamacare. according to critics of the plan, the results were

devastating. the law drove up premium and drove insurers out of the state. the same critics claim the affordable care act which superseeded state laws has made matters worse. not only is there less competition so far, the narrow networks are narrower than expected. >> prior to january 1, 2014 you had access to a nationwide network of all providers and hospitals. >> reporter: tom hart is president of the national association of health underwriters and he says the new obamacare network doesn't cover out of state treatment except for emergencies. >> that's a big difference for someone who lives in new hampshire because many people prefer to have access to boston-based facilities or massachusetts hospitals. >> reporter: -- who is up for re-election wouldn't talk to us. but when she speaks in public

these days she doesn't want credit for obamacare. >> i would have designed it definitely. but i wasn't the person who was writing the law. hindsight is always 20/20. >> but we spoke to someone happy to defend it. >> the narrow networks problem is an insurance problem not an aca problem. >> that's correct. >> ron pollack director of families usa and a man who is helping to sell the affordable care act says the law's opponents have the wrong culprit. >> the aca is encouraging more insurers to come into the marketplace to provide their plans in their marketplace. now anthem is no longer going to be alone and more insurance companies are coming in. that's going to create the competition that's going to improve. this. >> that's not going to resolve the narrow network problem.

those new four carriers could always be offering narrow network plans instead of competing with each other on developing a more robust plan so the new entrants to the market is not going to solve the narrow network problem. >> reporter: while new hampshire waits, margaret mccarthy worries. >> i have to have blood work done every six months or so. i have to draw down my retirement funds before i thought i'd have to so i can pay these premiums until i qualify for medicare. >> reporter: we'll have more of margaret mccarthy's story later. but first, someone's got to pay for your insurance plan. who should foot the bill? that's after the break. h. heart. did someone say burn? try alka seltzer reliefchews. they work just as fast and are proven to taste better than tums smoothies assorted fruit. mmm. amazing.

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subsidize health care insurance that individuals used to be responsible for? it seems to be if you are on the receiving end, not so much if you're paying for. a tale of two citizens. according to the federal government, more than 40,000 new hampshirites have signed up for obamacare, 3/4 of them receiving some form of subsidy or premium assistance. one is this woman. >> it costs me $37 a month right now. i have loco pays, $10. $75 emergency room visits. $150 deductible. >> reporter: a 24-year-old single mother of two who works at a daycare center owned by her parents. she has been on public assistance in the past and says she didn't like the feeling. >> i've applied for food stamps before.

i've aimmediately for housing assistance. it was embarrassing. i should be able to take care of myself and it was embarrassing to ask for help. >> reporter: but when it comes to the affordable care act plan she thinks it's a great deal. >> i bararag to all my friends. and my parents are consecutive. and i haven't had any problems enlightening people and i want to teach people it has helped me. >> reporter: she has become something of a spokesperson for obamacare making media appearances on its behalf. >> this made her the ideal target for a sophisticated campaign in new hampshire aimed at getting people to sign up for coverage. >> i don't make enough to pay for expensive health care and this can show people you can still afford health care, good

health care. >> how many signed up because they got subsidies to sign up? >> when you bribe them of course they're going to get 40,000 to sign up. one of the biggest aspects is for a large number of people it is not affordable without the subsidy. >> but rogers johnson claims there's no free lunch. >> i'll take as much free stuff you want to give me. right to the point you realize someone's paying for it. >> one of the people being called upon to pay is susan price. >> we hear about the moral obligation to provide people are health insurance. >> reporter: she works in insurance claims adjustment. >> i have yet to hear anyone discuss the obligation you have to yourself and your spouse and family members and society at large to basically take care of

yourself. >> reporter: from 2008 to 2010 she served in the new hampshire house as a democratic representative. but this is one democrat who wants nothing to do with obamacare. >> we will opt out. we're being asked to pay for things that we don't need. >> reporter: price has been with her partner for nearly 20 years, tying the knot in 2010. >> i'm married to someone of the same sex but yet i'm being made now to purchase birth control coverage and pregnancy coverage. i'm 50. my partner is 57. i'm quite sure we don't need birth control. >> reporter: then will are other items she can't remove from the shopping cart. >> we are very active people. i don't foresee mental health issues. i have no subsidence abuse problemsnor does my spouse or anyone in my family but we are

forced to purchase or pay a penalty if we don't purchase this product. >> reporter: there is always that penalty to consider. for just as there are subsidies on one end of obamacare there are fines on the other. in 2014 it's $95 per adult or 1% of your income, whichever is greater. in 2015 it rises to $325 or 2% of income. and in 2016, $695 or 2.5% of income. but for now, anyway, susan price says she's opting out. >> we're paying about $450 a month under the aca we would be asked to pay nearly $1,000. we have long-time relationships with our health care providers. they are willing to work with us and we will pay cash from our health savings account. >> reporter: what does price

have to say about those she would subsidize? >> a lot do have chronic problems. they have smoked for years. they are overweight, perhaps they do have some substance abuse problems. what is the obligation to society to support someone who has made choices that will cost the rest of society more expense? i do think that people should have access to it. but if you want access to health care because of certain conditions you need to pay for that. >> reporter: lisa kerrigan doesn't see it that way. >> i feel to be critical of something that is helping so many people is counter progressive. there are so many things that we are paying for anyway. pay for corporate subsidies and complain about getting health care is a small price to pachlt. >> we don't need the government telling us every corner of our lives and i think a lot of

people in new hampshire feel this way. >> reporter: when we return, obamacare is changing the lives of patients. but it may be changing the medical profession even more. i love the looks of it. (sound of garage closing) nobody touches my dodge dart, jake johnson not even your best friend slash neighbor? no one i can still get in craig i'd like to see you try all i'd have to do is roll in, dude. let's see it i choose not to right now come on indiana common, let me in. let me in! mmmm let me sit in the car mmmm ♪ don't touch my dart then you'll know how uncomfortable it can be. [ crickets chirping ] but did you know that the lack of saliva can also lead to tooth decay and bad breath? [ exhales deeply ] [ male announcer ] well there is biotene. specially formulated with moisturizers and lubricants, biotene can provide soothing relief

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is the golden age for american doctors over? you might think that if you listen to what physicians have been saying lately. >> my name is -- >> february 11th, concord. >> i'm retired from practicing as podiatrist. >> reporter: appearing at an event held by americans for prosperity, an antiobamacare advocacy group. he is on the verge of another

decision. after quitting medicine he is contemplating a run for statewide office as a relationship because of obamacare. >> this was not addressing patient care or health this was all about insurance reform. and forcing people to follow one set of rules. it brought down the standard of medicine in this country. i think it's going to get worse over time. >> reporter: dr. hannon had a practice in florida before moving to new hampshire in 2010. >> the health care act was the final nail in the coffin. >> reporter: hannon is hardly the only doctor complaining. a survey by the doctor's company, the largest physician-owned medical malpractice insurer found 43% of doctors were contemplating early retirement because of health

care reform and nine out of ten were unwilling to recommend health care as a profession. and 60% believe it will have a negative impact on patient care. >> reporter: dr. richard anderson is chairman and ceo of doctor's company. >> the reason they are losing control is the erosion of the doctor-patient relationship. to increased access and improve quality and decrease cost at the same time is admirable but exceptionally difficult to accomplish. >> reporter: are on pollack believes these fears are unfounded. >> i think some of the doctors have been worried about something that is not really the doing of the affordable care act. they don't want to be employees of the hospital or whatever. but that has been happening

irrepresentii irrespective of the affordable care act. >> we spoke to a doctor who decided to retire the day that the affordable care act came into being. do you think the doctor-patient relationship changes with this law? >> i think it will improve matters. what the affordable care act tries to do is to make sure we have improvements in quality of care and the payment system will create insensitivings for good care. >> reporter: one reaction to obamacare already seems to be the growing preserve lens of concierge care or direct primary care. a cash basis system that opts out of insurance and has the patient pay the doctor a monthly fee. >> the growth in concierge care is a response to all the ways that the government has increased the bureaucracy involved in practicing medicine.

it's a healthy development that a lot of physicians are saying we're not going to accept any insurance. we want our patients to pay out of pocket. that reduces the price of a lot of services. >> reporter: the growth in concierge care is 25% a year especially in prosperous communities. dr. laurie montague is experimenting with the model in claremont, new hampshire. one of the poorer towns in the state. >> $50 per individual or $150 per family gets them the entirety of their health care in a primary care setting without any additional need of outside insurance for their primary care needs. >> pay for it and away we go again. >> i have patients who have chose on the sign up under direct primary care far more than they choose to sign up for the affordable care act and seek

services elsewhere. obamacare is trying to use the system that we know doesn't work. it has failed. it is becoming unaffordable. >> reporter: ed is a senior fellow at the heritage institute. >> you can have a primary care doc on call yours who will see you for 30 minutes because the doc is busy being a doctor not filling out paperwork. that is attractive. >> direct primary care is a way for families to gain access to a primary care doc for a very small amount per month. >> reporter: but for a lot of dr. montague's patients even the small amount is apparently too much. she hoped that obamacare would provide some insurance coverage for her type of practice but it didn't work out that way.

>> a third to half of our revenue is going to billing and chasing down payment. so unless we eliminate that, you know, there's no sustaining it. >> reporter: as it worked out, it wasn't sustainable. dr. montague had to close up shop in early june. the shuttering of her practice brings us back to the larger question which four years since the passage of the health care reform still has no clear answer. what will the practice of medicine become under obamacare? >> as more doctors leave traditional practicing for retirement or other work fields that's going to definitely affect how many doctors are left. you hear about a doctor shortage as the baby boomers get older that is a worse problem. >> coming up, obamacare from a business angle.

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most working people get their health care through their jobs and soon, many of them will discover what surprises obamacare has in store for them. the affordable care act was a game changer and it was meant to be. >> it was an extraordinary achievement that has happened. >> reporter: as we've seen on our trip to new hampshire it has affected patients and doctors, but the change its brought about goes beyond that. paying for health care insurance is a big part of a business budget. >> health care is the second most expensive expense that the company has outside of payroll. >> reporter: mark lane started co ed sportswear in new hampshire in 1990. >> we're a full package organization. >> reporter: and lane has built into the a thriving business. >> we'll cheat our own art work and print it and finish it and

ship it. soup to nuts for our customers. >> reporter: but he's got something hanging over his head. >> now we're in a situation with national health care where there's a lot of confusion. >> reporter: since co ed sportswear has more than 50 full-time employees it will required to comply with the employer mandate when it is implemented in 2015 and mark doesn't like his options. >> we have 58 employees. instead of focusing on things like offering the best health care and paying for it for our employees you start focusing on questions like can i afford to offer health care to my employees? or do i have to start playing games like reducing my work force by eight people to get under the 50 or making more people part-time? >> reporter: the employer mandate in fact was scheduled to start this year but put off until 2015 by a presidential order. >> why do you think it was

delayed? >> for a number of paperwork related reasons. i believe it will get implemented at some point. >> i dread the day i have to make the decision unless there is a better answer there is no good decision. >> reporter: helping lane navigate obamacare is tom hart the insurance expert we met earlier. >> 80% of our clients will pay significantly more premium. i take care of 250 employers and all of them are talking about reducing hours and reducing contributions to the health insurance plan. they are faced with insurmountable challenges and all bad choices. >> reporter: but to obamacare supporters, choice is what it's all about. >> obamacare proponents say it will prevent job lock. explain what that means. >> now that insurers are

prevented from charging an arm and a leg, they can leave current job and go to another job. >> reporter: the reality is, though, that the employees at co ed who are already finding health care too expensive won't necessarily have it easier with obamacare. >> those employees, i've asked them all to check the exchange to see what the cost would be. and what they report back to me is not necessarily positive news. >> mine was going to be close to 300 a month with $8,000 deductible. that's awful insurance to go down to 5,000 co pay was 400 a mont. >> i can't afford it. i don't know -- how on earth anyone can think it is affordable. >> anybody else go on the exchange and -- >> i wouldn't be able to try to

afford it, not even half of it. it's supposed to be cheaper than what i had been offered through work. but it ended up being more. >> reporter: crazy or not, the employer mandate is set to go into effect next year. >> the reality is the health care law doesn't help. because i'm not going to hire additional people unless i really need them. we've hired a lot of temporary employees lately and when things slow down or the period or project ends you let them go. it's not an ideal world but it's something you have to do in a reaction to this law. >> reporter: when it comes to obamacare you don't know what you're missing. we'll ponder that when we return. (vo) ours is a world of passengers. the red-eyes. (daughter) i'm really tired. (vo) the transfers. well, that's kid number three.

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as a state with no income tax and close proximity to the medical mecca of boston, new hampshire has become a haven for medical innovation and nowhere is it more vividly shown than at deka research. it's the workshop of dean kaman. one of the leading inventors of medical devices. the inventor showed me some of

his mechanical wizardry. such as the luke arm named as luke skywalker. >> it's a game changer. >> other creations are the wearable drug infusion pump and the portable kidney dialysis machine and the buy lot wheelchair. >> you put someone in it and say you can go anywhere now but it's the really big deal, you just stand up. just stand up. and that's typically when they lose it. they have that very special human dignity of standing up. >> reporter: dean kaman's inversio inversii inventions have helped or healed millions. but now with obamacare some fear that will slow down or grind to a halt. >> innovation into the latest

drugs, treatments, procedures, is going to be stifled under obamacare. >> reporter: a fellow in health care studies at the pacific research institute workries that too much government interference will impede the info variations. >> it is putting the government in charge of our health care. >> finding a good health plan -- >> these exchanges are not competitive. they are a government money run marketplace. >> reporter: and with the government money marketplace the government says where the money goes and where it does. >> things like mri machines these are expensive develop. if we do not allow the marketplace to work we'll see that these new machines are not developed. >> a lot of sophisticated electronics.

>> reporter: dean kaman believes that the government has its place in medical r & d but is wary. >> i think that most of the people on all sides of government believe that in the end they're doing the right thing. the frustration to me is innovation requires that you take risks. and there's a whole lot of government that's primarily there to prevent change from happening. >> reporter: is the government getting in the way of innovation today. >> today what's driving a lot of the decision process as to where to put the resources is if we invest some money now can we reduce the cost of the technology to give people the same level of care that we're doing now. but it's a short-term goal. if people use that methodology

we would be getting polio and cheaper iron lungs to keep them in. >> kaman has a lot of trouble with one specific section of obamacare. the 2.3% tax on medical devices. >> is that tax on medical devices having a discernible impact? >> we put a heavy tax on cigarettes. we put a heavy tax on alcohol because we're trying to discourage people by making it expensive. i don't know why we should be putting an extra tax on the behavior you're trying to encourage, not discourage. >> the medical device people don't want to contribute like other groups have contributed to try to make this work. yes, they've been asked to pay a modest tax and i don't think in any way that's going to stymie innovation. >> the biggest risk of fundamental top-down reform was

always the unintended damage it might do to what was a highly effective, if costly, american health care system. sally pipes worries about what we stand to lose. >> our cancer survival rates five years out are better than any country in the world in terms of heart disease as well. we have techniques in this country that are not used in other countries. so we want to keep the pipeline open so that companies can do the research and development that is not taking place in other countries. >> it's true that pills may be cheaper elsewhere. but there's a reason for that. >> the reason that the drugs are cheaper in these other countries is because these countries are free-riding off the r & d that is done in this country. >> reporter: in other words without american innovation, health care systems around the

world could suffer. to me, in the long run, the highest cost of all, is the stifling of innovation. >> there's a lot to be said for good regulation. but the balance has to allow for change and innovation. and a government that is so good at making everything stable as a subtle and unintended consequence is smothering the chance for innovation. and we have to recognize that and factor that into public policy. if we don't do that we will get what we deserve. >> coming up we looked a it the changes that obamacare has brought here in new hampshire. will it be responsible for changing the world's greatest deliberative body? after the break. that depends man, what are you doing? just cruising around in my new ride.

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>> aca was signed into law in 2010. later that year, thanks to obamacare there was a political urge quake. republicans took back the house and gained six seats in the senate. are we looking at a similar up heaval in 2014? remember the 63-year-old grandmother submitted a insurance plan would require her to drive to a doctor she didn't know yet.

it's may 14th. she's being cross examined my a state government lawyer. >> i'm asking it's simple. do they not? disclaimers? >> this may. >> it's at a hearing before new hampshire insurance department. this against anthem's narrow network. >> it was maybe just a touch more add ver sar yil than i thought it would be. >> are there issues that needed to be dealt with? >> the questioning took an hour. >> i think they're down playing how important this is. and travel time ask additional time to see new doctors?

and it's not just easy as you can go see a doctor. it's made me anxious. >> the story is one of many cases that make health care coverage a central issue in the up coming election. polls show obamacare scoring poorly as it does elsewhere. it could be a liability for jean shahin. whose vote ensured the bill would become law. it won't be the first time. >> people do not want the trillion dollar health care being forced >> republican scott brown won a special election for the late ted kennedy's senate seat in massachusetts four years ago. >> being forced on the american people. not yet a long. despite the victory, affordable

care act was passed through unusual maneuvers soon after brown arrived in washington. which may be why he's back on the campaign trail. this time, in new hampshire. running against senator jean shahin. >> i want to run to repeal obamacare. as they rammed it through congress, we can do it the same way and repeal it. then go back ask develop a plan that works for the states. >> the average polls show shahin with a solid lead he tried to speak to discuss her stance on health care. but she would not talk to us. >> she was the deciding vote. to implement a health care bill people didn't want. voted against every grandfathering amendment to protect doctors, nurses and hospitals. >> brown believes people will vote for him because of many issues not just obamacare but there is no denying it will play a part in this race.

>> scott brown won a senate seat in massachusetts due to unpopularity of affordable care act. >> you don't think he's going to have trouble with convincing people this is the right thick to do? >> one of the things surveys are showing is that when you like it or don't like it, a clear majority do not want to see this repealed they want it see it continued or fixed in some way. >> new hampshire is just part of a trend. it's possible the senate elections will be seen as yet another referendum on affordable care act. obamacare may, or may not, be the future, but one thing is sure. passing the law has not ended the debate. and for people like margaret mccarthy, there is now more uncertainty than ever. since finding out the cost of the plans, mr. mccarthy decided

to take her chances and self insure for the rest of the year. she's hoping options will be better in 2015 >> all of the bad things people forecast have basically come true. i don't want to go to other doctors. i want to stay with doctors i have. >> oeb rauma care supporters predicted once enacted, it would become more popular. so far, if new hampshire is an indication, that doesn't seem to have happened. what has happened is that it's created a lot of change. with more still to come. one thing both sides to agree on now is that we need more reform to make our health care system work. so the main political questions is will these reforms follow the

path? or go another way? the up coming elections may help give us that answer. that is our program for tonight. thanks for watching. e. his long day of doing it himself starts with back pain... and a choice. take 4 advil in a day or just 2 aleve for all day relief. honey, you did it! baby laughs!

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>> this is a fox news alert. hello everyone i'm kimberly guilfoyle. this is a special edition of "the five". u.s. unleashed two sets of air strikes today as isis and tens of thousands of non-muslims have fled for their lives in fear for mountainous area and are trapped without food and water. terrorists took hundreds of women captive. the u.s. military trying to help resolve the crisis. questions remain about president obama's strategy going forward, whether air strikes can stop isis. we have team fox coverage. doug mccalway is at the