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Obamacare a Success So Far? It’s Hard to Say


obcAfter more than a week in action, is a key feature of President Barack Obama’s health care overhaul a success or a bust? Judging by the dearth of data, it’s virtually impossible to say.

The federal government has released no comprehensive data on how many people have enrolled for health insurance using federally run exchanges, the online marketplaces being used in 36 states for residents to compare and buy insurance. In the 14 states running their own exchanges, the situation isn’t much better.

Officials with California’s exchange say it will be mid-November until they can say how many people signed up. In Oregon and Colorado, the official number of completed applications is zero. And in Minnesota, which billed itself as a leader in implementing the Affordable Care Act, officials won’t release data until next week about the number of applications started and completed.

As a result, a nation obsessed with keeping score to determine winners and losers is finding it difficult to pass immediate judgment on a law that will in large part define the president’s legacy.

“Obamacare has a lot of cynics in this country, and it needs to get off to a better start than what we see so far if it’s going to be a success,” said Bob Laszewski, a Washington, D.C.-based health care industry consultant.

Laszewski suspects the lack of data conceals an extremely slow start thanks to widely reported technical problems.

MNsure, Minnesota’s online insurance marketplace, reported 9,200 accounts had been initiated as of Thursday, said April Todd-Malmlov, the exchange’s director. But enrollment figures won’t be available until Wednesday. She said some users inadvertently submitted multiple applications that need to be consolidated.

Similar problems abound. Many states running their own exchanges haven’t released initial enrollment data, and only a handful are providing a detailed picture of applicants and the plans they are choosing.

Oregon, another state that embraced the law, hasn’t even opened enrollment because its software can’t determine eligibility for Medicaid or for tax credits that help pay for insurance. Vermont’s system is so buggy that officials are issuing paper applications, even though the thinly populated state received $171 million — among the largest amounts in federal grants — to run its exchange and upgrade technology.

The U.S. Department of Health and Human Services, which is overseeing the federally run exchanges, doesn’t expect to release enrollment data until mid-November. But scattered reports from those states aren’t encouraging. For example, Delaware had yet to confirm a single enrollment by Thursday, and many Florida groups designated to help people sign up say they still can’t complete the enrollment process online.

The Obama administration has worked feverishly to fix the website delays, frozen screens and other glitches that they attributed to the high level of consumer interest, not software or design issues. But independent experts said it’s probably a combination of all those factors, noting that a high volume of users tends to expose software issues undetected by testing.

The federal exchanges, for instance, require users to create accounts before they can browse for insurance plans, adding to website volume. Most e-commerce sites, and several state-run health insurance marketplaces, allow consumers to window shop without an account. An HHS spokeswoman said the agency required consumer accounts so people would know whether they were eligible for subsidies before shopping.

Data is coming from insurance companies in some states, though it largely shows only a trickle of enrollment. Those include Vantage Health Plan, one of four companies offering plans through Louisiana’s exchange that reported enrolling 12 people, and CoOportunity Health, which reported five enrollees in Iowa and nine in Nebraska as of mid-week.

“I am very worried that people will lose faith in the system,” said John Foley, an attorney helping Florida residents navigate the system. “Clearly we are losing most if not all of the momentum that was built up leading to open enrollment.”

One major exception is Kentucky, where 18,351 people had enrolled by Wednesday. Despite relentless criticism from Kentucky Republican Sens. Mitch McConnell and Rand Paul, Democratic Gov. Steve Beshear has been an enthusiastic adopter of the Affordable Care Act. He believes providing medical coverage can only benefit a state that ranks among the worst in nearly every health measure.

“These people are our friends and neighbors,” Beshear said. “They roll the dice and pray they don’t get sick.”

Kentucky is among the few states that have released information about enrollees, such as their age, family size or employment status. Also largely unknown is what types of coverage are being purchased: lower-end plans with affordable premiums but high deductibles, or more expensive plans with lower deductibles?

A few other state-run exchanges have reported early activity, with the leader being New York, where 40,000 applicants processed by Wednesday. In California, the nation’s most populous state, 16,300 applications had been completed by Tuesday — but that was less than in Kentucky, a state with one-tenth the number of uninsured people than California.

But industry insiders say the enrollment system is starting to work more smoothly.

“Going into this, (insurers) were expecting to see some challenges,” said Karen Ignagni, head of America’s Health Insurance Plans, according to the insurance industry’s primary lobbying group. “What people are pleased about is they are seeing progress. … They would be more worried right now if they were not seeing progress.”

(AP)



10 Responses

  1. The deciding factor is in how many people are forced to give up their current insurance, and switch to one they consider inferior (either due to inferior coverage or higher price), and if the people object. That’s won’t be felt for a few years – at least until employer mandate is fully implemented. The Republicans are betting that in a few years, and hopefully by 2016, they can say “I told you so”. If most Americans by 2016 feel they were better off before, the Republicans win, and if not, the Democrats win. In effect, the Republicans are saying “double or nothing” with the current crisis.

  2. After the first paragraph, there is nothing in this article worth reading. In fact, this article is so bad that Commenter No. 1’s comment is more worthwhile than the balance of this article.

  3. Disaster!

    People are finding out they CAN’T keep their existing policies despite what Oliar told everyone.

    People have seen that their premiums HAVE gone up SIGNIFICANTLY despite being told they would drop by 2500 per year.

    People are also seeing that even after signing their lives over to the govt and ObamaDoesntCare, that their health care prices are going up either with premiums or very very very high co-pays and deductibles.

    We have been sold a bill of goods and the Obamabots fell for this oysvorf and continue to fall for his manure hook, line, and sinker.

  4. Together with my last paycheck, my employer attached a small flyer printed from the Gov’t website. It explained some of the options and changes that will come into effect when Obamacare takes hold, in 2014. But on the bottom, in small print, it says, “This information is current until Nov. 30, 2013.”

    Huh? Mr. Obama, please explain.

  5. No. 3: Please stay on your own planet. Here on Earth, in the part we call the United States of America, your “information” is all wrong.

  6. it is very successful; cause 60 year old woman to buy birth control and abortion provisions in their health insurance. Make absolutely no sense unless you are Oliar or the wicked witch from the west Pelosi. Also if you can over to these plans you find yourself with 2,000, to 5,000 deductible plus the cost of these plans

  7. No. 6: You clearly have no understanding of insurance. I have been buying automobile liability insurance for years, but I have never, B”H, made a claim. I have as much use for auto liability insurance as your 60-year-old woman needs birth control and abortion. But I buy it anyway, and I thereby subsidize less lucky drivers. Not only that, the government requires that I buy auto liability insurance.

    When you buy health insurance, you are not buying health care – you are buying insurance, in case you ever need health care. Your old woman does not need birth control, but her 30-year-old daughter might, but she does not need heart surgery. So they both buy insurance, and if, C”V, either one gets sick, no matter what the problem, they can afford the care.

  8. 5.

    The only information you socialists give is MISinformation.

    I put down the facts. You cant deal with the facts because you are an obamabot zombie who is so blinded by BHO’s mmmmm mmmmm mmmmm that you can no longer think for yourself.

    Socialists like you cant deal with facts because you live in the land of make believe while the rest of us live in Realville.

  9. 7 you buy car liability insurance eveb though you never used it because you could use it. 60 year old birth control is rip off control.Like a catholic nun buying health insurance with a abortion rider. It is rip off city

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