The insurance and healthcare industries know how to play the game. In fact, the healthcare industry spent $243 million in 2013 to lobby for Obamacare.

So far business is booming. According to a Forbes' report in October, the value of the S&P health insurance index has gained 43%, double the gains made in the S&P 500.  The shares of CIGNA are up 63%, Wellpoint 47% and United Healthcare 28%.

Rules in Obamacare continue to change for insurance companies, though. Originally Obamacare required everyone to purchase insurance or face penalties, but millions of Americans have lost their insurance plans because of high costs. The new rule changes will exempt those Americans who lost their plans from buying any insurance. This poses a problem for insurance companies. Insurance companies will suffer financial losses if only sick (high risk) people sign up for the exchanges. Analysts claim that this rule change could bankrupt the system.

Political commentator Charles Krauthammer believes that next year we'll be bailing out the insurance industry.  "The cost to insure the people left in the exchanges is going to be exorbitant," explained Krauthammer.

"The insurers understand that they are going to be completely ruined over this.  There is only one way out: A huge government bailout of the insurers is waiting at the end of next year. That's an issue that Republicans should focus on more," he said.

"Right now, it's the only way Obamacare will survive. It ought to be stopped before it happens. Congress must say no to any bailouts because it's not a natural disaster. It's a man-made one," he added.

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