Right-wing media are dishonestly blaming the Affordable Care Act (ACA) for the fact that Chad Henderson, a low-income college student, will “pay $175 per month under Obamacare, about 18% of his yearly income,” ignoring the fact that Henderson would have been eligible for subsidized health care if his state had not rejected the healthcare reform law's Medicaid expansion.

On October 3, several media outlets highlighted Henderson as an early ACA enrollment success story. Henderson, a 21-year-old student at Chattanooga State University, told Washington Post's Wonkblog that he had been without health insurance for 14 years but successfully signed up for coverage through one of the law's new online exchanges. Henderson will pay $175 per month in premiums, which he said fits his budget. Right-wing blogs later hyped the cost of Henderson's insurance plan to claim it's unaffordable.

The Blaze reported that “Henderson, who reportedly earns $11,500 annually, will pay $175 per month under Obamacare, about 18% of his yearly income” and quoted the Cato Institute's Michael F. Cannon to claim that “it appears that Obamacare quadrupled Chad's premiums,” citing an eHealthInsurance.com quote for a plan he could have purchased. Michelle Malkin's blog also highlighted Cannon's claim. A Washington Examiner article headlined "$175 premium for a young, healthy student? Thanks, Obamacare!" responded: “Ouch! Wasn't Obamacare supposed to lower premiums?” and on October 3, the Drudge Report promoted the Examiner story:

These reports failed to mention that Henderson would have been able to receive subsidized coverage under the health care reform law's Medicaid expansion if his state had not chosen to opt out after the Supreme Court ruled in 2012 that states didn't have to expand their Medicaid coverage. From Wonkblog's story about Henderson:

Henderson is a part-time worker at a day-care center. He did not qualify for tax credits to purchase health coverage because his income is below the poverty line. Since Georgia is not expanding the Medicaid program, that meant Henderson was essentially responsible for his entire premium.

The New York Times has reported that the ACA was “written to require all Americans to have health coverage” and that “30 million uninsured Americans were to have become eligible for financial help” through subsidies for lower-income earners and the Medicaid expansion. According to the Times, the Supreme Court's 2012 decision to allow states to opt out of the law's Medicaid expansion changed things, leaving millions like Henderson without financial help in acquiring insurance:

But the Supreme Court's ruling on the health care law last year, while upholding it, allowed states to choose whether to expand Medicaid. Those that opted not to leave about eight million uninsured people who live in poverty ($19,530 for a family of three) without any assistance at all.