we are done. >> controversi . we are done. >> controversial from the start. >> if you like your doctor, you'll be able to keep your doctor. >> you can keep your insurance. oa.m. fundamentally changed our system. tonight we go to new hampshire, one state a microcosm for the nation. >> going down, it ain't me. >> what to find out what effect it has on patients. >> thank you. i'm married to someone of the same sex, but yet i'm being made to purchase birth control coverage. >> the health care act was the nail in the coffin. >> we've had it confirmed it was a disaster. your life may depend on it. >> if obamacare is not repealed

and replaced, the american people will have worse health care. fox news reporting, live free or die, obamacare. from the state capitol, bret bebe baier. >> better known as obamacare, a law which is already reshaping health care in new hampshire, part of a larger battle that may reshape the senate this fall. i've traveled to the granite state to discover just what effect obamacare is having on these firesly independent people. as you'll see, there are a lot of different opinions, but this much is concern. it's shaking things up. ronchester, new hampshire, home to 63-year-old grandmother margaret mccarthy. >> i'm not a lawyer. i'm not a 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. >> mrs. mccarthy is a retired bookkeeper who for years has performed her own health insurance policy. >> right now i pay approximately $7,000 a year in premium and a $2500 deductible. >> margaret, come on in. >> like millions of americans, mrs. mccarthy has discovered that after obamacare, if she wants to keep an equivalent insurance policy, she will have to pay a lot more, an extra $3,000 a year in premiums and a 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. that costs money. >> get your temperature. >> margaret, who has a chronic intestinal condition gets her care at the nearby frisbie medical facility. >> it's convenient. i have such a trust for these doctors and this facility. >> good morning, doctor. i've been seeing these doctors for the past 15 years. we've built up a relationship. we have a rapport. >> but that may soon change. frisbie is one of the hospitals that's been excluded from the obamacare insurance exchange under what's known as a narrow network plan, being implemented by the state's biggest insurance company anthem blue cross. experts say this narrow network phenomenon is a consequence of obamacare. insurers facing the higher costs of covering more people squeeze money out of the system by dealing with fewer health care

providers and paying them let. 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 inability of on consumer to go to the doctor that 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. >> tax attorney chris condolucci was working for the senate finance committee, which drafted the legislation. >> that is translating into a narrow network and limited ability for consumers, policy holders to get the medical care they need. >> i'm not insurance what my situation will be. >> mrs. mccarthy may be priced out of her own hospital. >> i won't be able to come to frisbie hospital.

i won't be able to see my internist. i won't be able to see my gynecologis gynecologist. i won't be able to have the same surgeons i have in the past. i can't even get mea lab work here. >> it's eliminated a third of the hospitals in new hampshire. >> al is all too aware of the narrow network. >> it's about 350,000 people in those service areas of those hospitals. our state is only 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, milled-mannered and so forth. when i heard this roll-out of this obamacare, i was incensed. >> angry enough he petitioned the state insurance commission to hold a hearing on the matter. hi companies-petitioner,

margaret mccarthy. >> it doesn't seem fair this new network was decided in secrecy, and only made known to consumers a few short months ago. it doesn't make sense to me that i should have to drive past my local hospital and doctors to seek health care in another community. >> the hearing was held back in february, in concord, the state capital. >> a narrow network does not promote and protect the public. we the public are being denied access to our doctors. >> why the people are really mad is they 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 there were other people that said the same things that i've been thinking for months now. >> one of the reasons citizens were up in arms is that the new system wasn't supposed to work this way. >> you can keep your insurance if you like it.

it will increase choices for families. at the promote competition. >> jean shahin, the democratic senator from new hampshire, had emoed the president when it came to the promises of the program. >> don't tell me something is true and then i find out it's not. >> rogers johnson, a former republican state lawmaker 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 what you're telling me is not true, i then question the individuals who made that offer. >> but in fact this wasn't the first time jean shahin waded into the waters of health care reform. in the mid '90s, then state senator shahin led a reform effort that create add prototype for obamacare. according to critics of the plan, the results were devastating. the law drove up prime judgments

and dro insurers out of the state. which super ceded state laws, if anything has made matters worse. not only is there less -- prior to jan conveyor 1, 2014, you had access to a nationwide network of all providers and hospitals. >> based in hampstade, tom hart is president of the national association of health underwriters. 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. many people preferred to have access to boston or massachusetts hospitals. senator shahin wouldn't talk to us, but when she speaks in public these days, she doesn't seem to want credit for

obamacare. >> i would have designed it differently if i had been designing it. >> gotcha. >> unfortunately i wasn't the person who was writing the law. hindsight is always 20/20. >> right. >> we did speak to someone more than happy to defend it. >> the narrow networks problem you say is an insurance company problem, not a law/aca problem. >> that's correct. >> ron pollock, exec difficult director of families usa, as well as a man who is helping to sell the affordable care act says the law's opponents have the wrong culprit. >> the aca is now encourages more and more insurers to come into the marketplace to provide their plans. now anthem will no longer be alone and more insurance companies are coming in. that will create the competition that's going to improve this. >> that's not going to resolve the narrow network problem.

the new four carriers could all be offering narrow network plans instead of competing with each other on developing a more robust plan so the new entrance to the market is not going to solve the narrow network problem. but while new hampshire waits, margaret mccarthy worries. >> i have to have bloodwork done every six months or so, this is savings that i'm spending. i'm having to draw down my retirement funds before i thought i would have to, so that i can pay these premiums until i qualify for medicare. we'll have more of margaret mccarthy's story later. but first someone's got to pay for your insurance plans. who should foot the bill? that's after the break. what if a photo were more than a memory? what if it were more than something to share? what if a photo could build that shelf you've always wanted? or fix a leaky faucet?

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is it a good idea to subs died health care insurance that

individuals used to be responsible for? it seems to be if you're on the receiving end, not so much if you're paying for it. a tale of two citizens. according to the federal government, more than 40,000 new hampshirites have signed up for obama care. three quarters of them receiving some form of subsidy or primeius assistance. one of them is lisa kerrigan of rochester, new hampshire. >> i have a silver plan. it costs me $37 a month right now. i have low co-pays, $10, $75 emergency room visits, $150 deductible, which is nothing. >> a 24-year-old single mother of two, who works at a daycare center owned by her parents. she's the sort of person obamacare was designed for. >> kerrigan's been on public assistance in the past and says she didn't like the feeling. >> i've applied for food stamps before. i've applied for housing

assistance. it was embarrassing. i should be able to pay for and take care of myself. it was embarrassing to have to ask for help. >> when it ku78s to or affordable care act plan, she thinks it's a great deal, and she doesn't care who knows it. >> i brag to all my friends. my parents actually they're very conservative people, and i was telling them, you know, this isn't how it works all the time, so i haven't had any problems, and i want to teach people that it really has helped. >> in fact she's become something of a spokesperson for oba obamacare, making media appearances on its behalf. >> i love what i do. it just doesn't pay very much. >> and it doesn't come with health insurance. this made kerrigan the ideal target aimed at getting people to sign up for coverage. >> i don't make enough to pay for expensive health care. i think this can show people that 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 of the affordable care act, for a large number of people, it truly isn't affordable. >> but former republican lawmakers rogers johnson claims there's no free lunch. >> you're going to give me something for free? i'll take as much free stuff as you want to give me right tot point, wait a minute, it really isn't free, somebody is paying for it. >> one of the people being called upon to pay is susan price. >> we keep hearing about the moral obligation to provide people with health insurance. >> she's a small business owner in barington, newspaper newspaper, who works in insurance claims adjustment. >> i have yet to hear anyone discuss the moral obligation that you have to yourself, to your spouse, to your family members, and to society at large to basically take care of

yourself. >> 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 we simply don't need. >> 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 i'm being made to purchase birth control coverening a and pregnancy cover. i'm 50, my partner is 57. i'm quite sure we don't need birth control. >> then there are other items she can't remove from the shopping cart. >> we are very active people. i don't foe see having any mental health issues, i have no substance abuse problems, nor does my spouse, nor does anyone in our family, but yet we are being literally forced to perform or pay a penalty if we

don't purchase this product. >> there's 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. in 2016, $695 or 2.5% of income. but for now, anyway, susan price says she's opting out. >> we're paying currently about $450 a month under the aca, we would be asked to pay nearly a thousand dollars. we have longtime relationships with our health care providers. they are willing to work with us, and we will basically pay cash from our health savings accounts. >> what does price have to say about all those people she would help subsidize under the aca?

a lot of people do have chronic problems. they have smoked for years, they are overweight, perhaps they do have some substance abuse problems. where is the obligation 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. >> lisa kerrigan simply doesn't see it that way. >> i feel like to be critical of something that is helping so many people is kind of counter-progressive. you know, there are so many things that we are paying for anything. we're paying for corporate subsidies, and to complain about people getting health care, especially people who have never had it before is a small price to pay. >> we don't need the government telling us every little corner of our lives. i think a lot of people in new

hampshire feel this way. when we return, obamacare is changing the lives of patients, but it may be changing the medical profession even more. . with centurylink as your technology partner, our visionary cloud infrastructure, and dedicated support, free you to focus on what matters. centurylink. your link to what's next. if you're suffering from constipation or irregularity, powders may take days to work. for gentle overnight relief, try dulcolax laxative tablets. ducolax provides gentle overnight relief, unlike miralax that can take up to 3 days. dulcolax, for relief you can count on.

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is the golden age for america doctors over? you might think that if you listen to what physicians have been saying lately. >> my name is dr. joe hannon. >> february 11th, concord. >> i'm retired from practices as a podiatrist. the final decision to do so was done the day after the affordable care act was passed. >> appearing an an event, dr. hannon is on the verge of eat momentous decision.

after quitting medicine, he's contemplating a run for statewide office as a republican, because of obamacare. >> this was not addressing patient care ear even patient health. this was all about insurance reform, and forcing people to follow one set the rules. it brought down the standard of medicine, and i think it will only get worse over time. >> 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. it wasn't the main reason or only decision. >> hannon is hardly the only doctor who is complaining. a 2012 survey of 5,105 mds by the doctors company, the nation's largest physician-owned medical malpractice insurer found that 43% of doctors were contemplating early retirement because of health care reform. nine out of ten were unwilling

to recommend health care as a professi profession, and 60% believe that obamacare will have a negative impact on overall patient care. >> i think that reflects doctors' frustrations. >> dr. richard anderson is ceo of the doctors company. >> they're losing control. the fundamental reason for that is the erosion of the doctor/patient relationship. to increased access, to improve quality, and to decrease costs at the same time is admirable, but exceptionally difficult to accomplish. >> obamacare supporter ron pollock 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, and they don't want to be employees of a hospital or whatever, but that has been happening irrespective of the affordable care act. >> we spoke with a doctor who said it was the final nail in

the coffin, and he couldn't care for the patients the way he wanted to. do you get a sense that the doctor/patient relationship change with this law? >> i think ultimately it is going to improve matters. what the affordable care act trying to do is to make sure we have significant improvements in quality of care, and the payment system is now going to create incentives for good care. >> with you reaction to obamacare already seems to be the growing previousens of consequence years of age care, also known as 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 the bureaucracy. >> michael canon is at the libertarian kato institute.

>> it's a healthy development that a lot of physicians are saying, no, we're not going to accept any insurance, we want our patients to pay out of pocket, because that reduces the price of a lot of services. >> the growth is estimated nationwide at 25% per year, especially in prosperous communities. >> dr. lori montague is experimenting 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 that have chosen to go and 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 utilize the system that currently is there that we know doesn't work. it has failed. it is becoming unaffordable. >> so what people are doing is they're opting out. >> ed highslemire is a senior research fellow at the conservative heritage foundation. >> this is happening real time with cash. >> that's right. what this woman is offering is you can have a primary care doctor on call, yours. who will see you for 30 minutes. the doc is busy being a doctor, not filling out paper worked. that's. >> >> direct primary care is a way for families to gain access to a primary care doc for a very small amount per month. >> but for a lot of dr. montague's patients, even the small amount is apparently too much. she had hoped that obamacare would provide some insurance coverage for her type of practice, but it doesn't work out that way. >> a third to half of our

revenue is going to billing and chasing down payments. so unless we eliminate that, you know, there's no uss staining it. >> she 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 practices for either retirement or other work fields, that will affect how many doctors are available for everyone else who is left with the affordable, but can't find your doctor plans. you hear about a doctor shortage, and as the baby boomers get older, that would only be a worse problem. coming up, obamacare from a business perspective. ♪

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most working people get their health care through their and soon many of them will discover what surprises obama care has in story for them. . the affordable care act was meant to be a game changer. as we've seen, it's already affected patients and doctors, but the change it's brought about goes beyond that. paying for expense that the company has. >> we're a full package organization. through the years lane has built it into a thriving buildings. we'll print it, we'll fin it and ship it.

soup to nutz for our contests, now we're in a situation with national health care where there's a love the confusion. when it's implemented in 2015. mark lane doesn't like his options. instead of focusing on things like offering the best health care and paying for it, you start focusing on questions do i have to start playing games by reducing my work force or making more people part time. >> the mandate was in fact scheduled to start this year, but put off until 2015 by a presidential order.

it was i kind of dread unless there's a better. >> help lane navigate obamacare is tom hart. >> 80% of our clients will pay a significantly higher primeius. and all bad choices. >> but to obama care supporters, choice is what it's all about. >> they say it will prevent job lock. now that insurer are

prevented -- or charging an arm and a leg, people can free up and go to another job. >> the reality is, though, that the employees at coed, 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 in and out necessarily positive news. >> mine would be close to $300 month with article dln 8,000 deductible. that's awful insurance. to go down to a 25,000 co-pay was over $400 a month. >> i can't afford with it. i came up with like $450 a month. i don't know how anyone on earth can think that's affordable. >> anyone else go on the exchange? >> i did. i wouldn't be able to try to

afford it, not even half of it. it was supposed to be cheaper than what i had been offered through work, but it ended up being more. it's crazy. >> crazy or not, the mandate is set to go into effect next year. >> the reality is the health care law doesn't help. i'm not going to hire additional people unless i really need them. we've hired a lot of temporary employees lately, and then when things slow down or certain period ends or certain projects ends, you let them go. it's not an ideal world, but it's something you have to do in reaction to this law. when it comes to obamacare, you don't know what you're missing. we'll ponder that when we return. when we return. h. heartburn. 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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wizardry, such as the luke arm named after luke skywalker. >> game changer. >> it's a game changer. >> other creations are the wearable drug infusion pump. the portal kidney dialysis machine. >> oh, wow. >> if you're going down, boss, it ain't me. >> the amazing thing about ibot, you can go anywhere in the house, but then the really big deal, you just stand up. just stand up. that's typically when they lose it. they have that very special human dignity of standing up. >> dean's inventions had helped or healed millions, but now some fear with the advent of obamacare that innovation will slow down or even grind to a halt. >> there is no question that research and development, innovation into the latest drugs, treatments, procedures,

is going to be stifled under obamacare. >> salary pipes, a fellow in health care studies at the pacific research institute, worries that too much government interference will impede the innovation that americans have come to expect in medical care. >> obama care is a top-down system that is putting the government in chart charge of our health care. these exchanges are not really competitive exchanges. they're government-run marketplaces. >> with a government-run marketplace, the government directs where the money goes. perhaps more significantly, where it doesn't. >> things like mri machines, these are very expensive machines to 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 and sensors. >> the doctor believes that government has its place in

medical r&d, but he's worried of too much intrusion. >> bean counters see t cost of everything and the value of nothing. i think 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. >> is the government getting in the way of innovation? >> today what's driving a lot of the decision process as to where to put 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 are doing now? but it's a short-term goal. if weep used that methodology in the 1930s and '40s, people would

still get poly, just cheaper machines to keep them in. >> he certainly has trouble with one specific section, 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 of tryic to encourage, not discourage. 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 drug is cheaper in these other countries is because these countries are free riding off of the r&d, the expensive research and development that is done in this country. in other words, without american innovation, health care systems around the world could suffer. to many 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. the government that is so good at making everything stable has a perhaps subtle and unintended consequence, is smothering the possibility for innovation. and we as a society need to recognize that and factor that into public policy. if we don't do that we will get what we deserve. coming up, we've looked at the changes that obamacare has brought in new hampshire. will it also be responsible for changing the world's greatest deliberative body? after the break.

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comcast business. built for business. >> 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 house.

>> it is hand rd to travel in ar that way. >> it is may 14th and she is being cross examined richard ve mccaffrey a statern government lawyer. >> the subsidy calculators contained in them don't they have disclaimers these are estimates? >> i would have to take your word for it. >> it is before a hearing at the new hampshire state insurance company.this it is a complaint against anthem's narrow network. >> it wasne maybe just a touch more adversarial than i thought it would be. >> why would you stop using a gynecologist as a pcp 15 years ago? >> because i had other issues that needed to be dealt with byb other than a gynecologist. >> the questioning we know the on for more than an hour. >> i think they are down-playing how important this is to me and other people. additional travel time and as additional wait time to see new doctors and new places, these

things affect people, and it is not just as easy as you can just go see some other doctor. >> mccarthy's story is one of many cases that make healthcarei coverage ass central issue in t up coming senatorial election. it shows obamacare scoring poorly in new hampshire as it as does elsewhere. it could be a live ilk for one senator shaheen,ed and it may ba what boosts her opponent. it wouldn't be the first time. >> people don't want the trillion dollar healthcare planl that is being forced. >> scott brown shocked the country when he won a special election for the late ted ena kennedy's senate seat in liberal massachusetts two years ago. his campaign was widely seen as a referendum on obamacare. not yet a law.t despite his victory, the affordable care act was passed

through unusual legislative maneuvers soon after brown to arrived in washington which may be why he is back on the campaign trail. this time in new hampshire running against senator gene shaheen. >> i want to run to be the 51st senator to repeal obamacare. we can do it the same way repeal it and go back and develop a plan that works for the states. >> the average of the polls shows shaheen with a solid lead. we tried to speak with senator r shaheen for months to discuss is her stance on healthcare. but she would not talk to us. >> she was the deciding vote tot implement a healthcare bill that people didn't want. she voted in every grandfather out every plan to help doctors and hospitals. >> there's nob denying it will play a significant part in this race. >> scott brown won a seat in te

massachusetts in no small part a due to the unpopularity of the o affordable care act. you don't think jean shaheen will have trouble convincing people this is the right thing to do? >> one of the things thatth the surveys are showing is whether you like it or don't like it a clear majority do not want to see this repeal. they want to see it either continue or fixed in some specific way.ne >> new hampshire is part of a nationwide trend. am it is possible the 2014 senate electionsll will be seens yet another referendum on the affordable care act.r obamacare may or may not be the future, but one thing is for sure, passing the law has not ended the debate.e. for people like margaret mccarthy, there is now more uncertainty than ever, since e finding out the cost of her newd plan, mrs. mccarthy has decidedr

to take her chances and self su insure forre the rest of the ye. she is hoping her options will somehow be better in 2015. >> all of the bad things about the affordable care act that people forecast have basically l come true. i don't want to go to all of the other doctors. it is as simple as that. i want to stay with the doctors i have. >> back when it was a bill obamacare supporters predicted once enacted it would become be more popular. so farpo if new hampshire is an indication that doesn't seem too have happened. what has happened is it has created a lot of change with more to come. ironically the one thing both sides seem to agree on now is we need even more reform to make tm our healthcare system work. so the main political question is will these future reforms follow the path that the affordable care act sets out or go some other way?

the up coming elections may help give us that answer. that's our program for tonight. thanks for watching. (woman) the constipation and belly pain feel tight like a vise. how can i ease this pain? (man) when i can't go, it's like rocks piling up. i wish i could find some relief. (announcer) ask your doctor about linzess-- a once-daily capsule for adults with ibs with constipation or chronic idiopathic constipation. linzess is thought to help calm pain-sensing nerves and accelerate bowel movements. it helps you proactively manage your symptoms. do not give linzess to children under 6, and it should not be given to children 6 to 17. it may harm them. don't take linzess if you have a bowel blockage. get immediate help if you develop unusual or severe stomach pain especially with bloody or black stools. the most common side effect is diarrhea, sometimes severe. if it's severe, stop taking linzess and call your doctor right away. other omach-area pain and swell.

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>> hello. quell co welcome to "justice. i am judge jeanine pirro. forces have retaken new towns from islamic militants in northern iraq. this as the united states completeses it's 10th air strike since friday taking out isis vehicles and mortars. more on this coming up but first my open. whether it be 14th centuries of sunni shi'ite conflict, a thousand years of christian muslim conflict, religious wars under lie the unending strike in the middle east. they continue with the theme in modern pole ticks,