Real life matters.  Always has.  Always will.  

This is real. My daughter and her husband wanted to move but with 65% increase in health insurance their premium will be double what their current house payment is. Put the two together and it exceeds my daughter's monthly salary by 25%.

That has already happened with my health insurance costs.  What happens when my health insurance premium is more than my mortgage payment ... it is getting close! Do I then need to sell and become homeless?

Yes, I think this will begin to happen. Or people will downscale what they buy.

thank the good Lord for Medicare....it's great to be 65+

There is no denying that debt to income ratio is at stake here...

Sad to see, but the truth! We need health care reform or many will not be able to afford coverage!

I have lost 4 clients in October alone.  2 will not be back as thier ins. went up over

$1000 a month for the family

Michael J. Perry It will impact a family's overall purchasing power.

Yes, but I think it's all taxes.  I have a young family who really wants to buy a house, but their health insurance just jumped 51%.  In additon, the valuation for property in our county is skyrocketing, resulting in a "hidden" tax.  And the politicians say they aren't raising taxes. 

Everything goes up except wages.

It is not only the ACA but other variables that just keep going up(taxes, school loans and government salaries)

No. Sales are not going to decrease because of the undeclared tax called obamacare here in FLorida.

Those in the emerging 'sharing' economy have a different take on how this will play out. They have created for themselves a more diversified personal economy.

There will are be those on the margins who are effected by any bump in the economy. Buyers, those millennial who have postponed buying, are better qualified than those who preceded them.

But, let me not distract you. obamacare is the greatest prevalent threat to sucking many into the abyss of bankruptcy.

Try over 100% in Arizona!

I think that is going to become a factor with many home buyers. 

I sure hope not

I think many will take the "uninsured" hit on their taxes or vote for Trump to repeal Obummer-care.

No, but they may have to buy a less expensive home

When it comes down to paying a mortgage or paying health care premiums, I believe the mortgage will win out.  However, the Affordable Health Care Act is anything but affordable.  My personal increases this year are so high that I am looking at a co-op option which will save almost $1000 a month in premiums.

I think they will just not have insurance and pay the irs penalty.

It certainly could, creating an even greater need for affordable housing... whatever that is!!!

Michael,

It is a very high possibility, time will tell.

My son was self insured and had a great policy. When the ACA became law the insurance company he was with told him they could not insure him anymore. The ACA was triple the cost of his previous insurance with a $6,000 deductible. He chose not to be insured, which worries me. He checked again this year and said both premiums and the deductible were even worse. He's 38 and said if he had the ACA all his life with the high deductible they would have never paid a single claim for him. As for single payer, just check out the VA system to see if that works any better. 

I think many have this in mind.

The only real effect I've seen is the stock market declining daily.  The better Trump does the lower it goes.

Ours went up 150% - not sure where the 20% is but maybe I should move there! LOL

They are telling us 20 to 30% before open enrollment begins.

Michael J. Perry - I do not believe lenders consider this unless the take home pay for employee buyer is impacted significantly.

On an individual basis, yes, it does impact.

Crystal ball has gone dark.  A

It seems like the overall actual impact is actually far lower than what was originally reported.  In our metro area, they expect no significant changes.

The lies are finally out in the open...Obamacare -  a gross government over reach and one of the costliest lies to the public ever told.

I do believe this is a real issue. Sad to say but is a real problem.

  Tell Obama and the Dems to shove it.  Pay the penalty.

Yes, I do think that buyers will postpone anything, until the election and knowing what their insurance costs are. The Affordable Health Care plan has many good parts to it, but there has to be something done to lower the premiums, with lower deductibles. It won't affect the regular W-2 earner so much, but more a self employed businessman like myself.  By doing the math, $12,000 deductible, $1000 month premiums, I choose to pay the penalty of $695, and not have insurance. Spending $24,000 a year, and then after that they only cover 70% is worse than spending $695 a year for not having it. Last time I was in a hospital (not visiting people) was when I was 7 years old. I'll take the gamble and wait until I get on Medicare. Clinton wants to lower Medicare to 55, so I'm all for that.  

Maybe would affect some buyers, but many buyers are on company provided insurance too. It's a great point to consider though!

No

My health insurance costs remained extactly the same, but I work for a wonderful company.  I don't see that many Borrowers who have Obama care,  unfortunately they can't afford HMO or PPO any more. Will it change the market? Yes for  first time buyers

Everyone I know is mentioning it but none are mentioning the supposed tax credits that come with it. That part I'm confused about.

Not close to that issue, sorry.

Perhaps, but we are already seeing so many postponing any purchase or sell decisions until after the elections.

Due to interest rate changes.... Go get a real job that has benefits.

Some may drop the plans and pay the penalty instead.  Others will change their coverage.

For some buyers, sure.  There is only so much an individual budget can absorb before it reaches a breaking point.