We started out 2014 with an Obamacare website that kept crashing.  We may end the year with the program crashing for real.

According to a new story in The New York Times, "deductibles" and "out of pocket expenses" may soon make the Affordable Care Act rather unaffordable:

Deductibles for the most popular health plans sold through the new marketplaces are higher than those commonly found in employer-sponsored health plans, according to Margaret A. Nowak, the research director of Breakaway Policy Strategies, a health care consulting company. A survey by the Kaiser Family Foundation found that the average deductible for individual coverage in employer-sponsored plans was $1,217 this year.

In comparison, the average deductible for a bronze plan on the exchange — the least expensive coverage — was $5,081 for an individual and $10,386 for a family, according to HealthPocket, a consulting firm. Silver plans, which were the most popular option this year, had average deductibles of $2,907 for an individual and $6,078 for a family.

What's the problem?  Nobody told consumers that the ACA would cover everybody by increasing premiums, and by raising deductibles and "out of pocket expenses."  Nobody told us that our plans would be canceled, too, to make way for the new ACA requirements.

It's one thing to say that we want everyone covered or want a way of covering those with no insurance.  That's a noble goal!

It's quite another thing to say to people that costs would go down and their current coverage would not be affected.  That's deception, and no one likes that!

Obamacare, or the ACA, is at a breaking point.  The country cannot afford it, and consumers can't, either! 

Add to this that President Obama will spend the next two years fighting ISIS, investigations, and perhaps Ebola, and my conclusion is that the ACA will not survive. 

How ironic is this?  President Obama spent the first two years of his presidency focused on health care and ignoring Iraq.  He will now spend the last two years fighting a war in Iraq and not able to salvage his signature legislation.

P.S. You can hear CANTO TALK here & follow me on Twitter @ scantojr.