An ObamaCare fan gets a rude awakening: She can't afford the Affordable Care Act after all

This is a rush transcript from "On the Record," November 18, 2013. This copy may not be in its final form and may be updated.

GRETA VAN SUSTEREN, FOX NEWS HOST: A single mother getting a rude awakening about ObamaCare, very rude. Jessica Sanford thought she was getting a tax credit and an affordable insurance plan. She was so happy that she wrote President Obama a fan letter and the president even giving Sanford a shoutout from the Rose Garden.


BARACK OBAMA, PRESIDENT OF THE UNITED STATES OF AMERICA: I recently received a letter from a woman named Jessica Sanford in Washington State and here is what she wrote. I am a single mom. No child support, self- employed, and I haven't had insurance for 15 years because it's too expensive. My son has ADHD and requires regular doctor visits and his meds alone cost $250 per month.

I have had ongoing tendonitis problem due to my line of work that I haven't had treated. Now finally, we get to have coverage because of the ACA for $169 per month. I was crying the other day when I signed up, so much stress lifted. Now, that is not untypical for a lot of folks like Jessica who have been struggling without health insurance. That's what the Affordable Care Act is all about.


VAN SUSTEREN: But now the bad news. It turns out of the Washington State Health Exchange made a big mistake. "Washington State Wire" reporter, Erik Smith, is here with the rest of Jessica Sanford's story. Good evening, Erik, and tell me what is the rest of the story? Did something happen to that great deal insurance for her?

ERIK SMITH, "WASHINGTON STATE WIRE": Within just a few days of that speech in the Rose Garden in front of the White House, Jessica Sanford started to get a terrible surprise. What happened was that the Washington State Health Exchange made a terrible mistake in its calculations. Everybody who signed up for health insurance policy and purchased it with government subsidies through during the first 23 days of operation of the web site, the figures were all wrong.

But that was just the start. Not too long ago, just last week she got another letter from the State Healthcare Authority saying that she doesn't qualify for any subsidy whatsoever and what that means is that suddenly she can't afford health coverage. She is going to go without.

VAN SUSTEREN: So she is going to pay that $95 tax, is that right?

SMITH: She says that she has no choice. The trouble is that the insurance policies that are available under ObamaCare when you don't have the tax credit, they are simply too expensive. The best you can get is a bronze plan. The deductibles are so high that she simply wouldn't be able to afford the health insurance. So, in some respects, it's a Washington State problem with the problems they have got on the website. But also it raises the question how affordable is the affordable healthcare act in the first place?

VAN SUSTEREN: As a side, the original mistake this is a state created exchange not a federal. Believe me I'm willing to blame the federal exchange when appropriate, but this is something that -- besides the problem with the program that misunderstanding was originally the Washington State Exchange. But that is separate from the part from the issue is that it's affordable for her once she got through all the exchange issues, right?

SMITH: That's right. And Washington is one of the 14 states across the country that did develop its own exchange. So it's a little bit separate from the federal troubles in that respect. But, also, we do have that big uber arching national issue, too.

VAN SUSTEREN: How does she feel about all of this?

SMITH: She is terribly embarrassed. Just think. Your name is used by the president on national television. You are held up as an example of suddenly the affordable care act is going to help. Suddenly the rug is yanked out from underneath you. She says while that was one of the most proudest moments of her entire life, right now she feels like crawling underneath a rock.

VAN SUSTEREN: Well, it certainly is -- I can imagine exciting to be called out by the president from the Rose Garden, this is a grim answer to her. She ends up with no insurance and a tax. Anyway, Eric, thank you.

SMITH: Thanks.