The Patient Protection and Affordable Care Act continues to do the exact opposite for many Americans.

Kerry is from Mississippi and lives with his wife, and like many people, he depends on his Social Security for income.

"The insurance we had through ObamaCare was sufficient, and it was reasonable with the tax credit," he says. "Our income is around $23,000, but they dropped the company we had because that company said they could not continue."

That company was UnitedHealthcare, which decided not to offer coverage in many exchanges because of major financial losses.

"So when I went to open enrollment for 2017, and we put in our data to get enrolled, there's only two companies, and one of them is AmBetter by Magnolia, and the other is Humana, which the only thing they have available is Humana PPOX or PPOX Mississippi," Kerry details.

Kerry is now on Medicare, but his wife does not yet qualify. In order for her to get his kind of coverage, it would cost from $150 to $260 a month. And that is not even the bad news.

"Many of her doctors will not accept AmBetter, and the only Humana they accept is through Medicare or the Medicare Advantage plans," he explains.

There is one hospital in Mississippi that will take the plans, but that means driving and other expenses for Kerry and his wife.

So what would happen if Kerry's wife needed expensive procedure and could not find a doctor?

"We wouldn't be able to afford it," he says. "We'd be totally bankrupt."

Kerry's wife will be available for Medicare in a few years. In the meantime, he says they can find a way to survive on what can get her the best coverage possible.

"As far as her primary care physician, who has been excellent, we'll probably just pay her out of our pocket," he adds.

Kerry is not optimistic about the effects of the new ObamaCare increases.

"The increases are disastrous, and I'm concerned for not only myself, but so many other people who can't get quality medical care because of the insurance," he concludes.