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Tuesday, December 3, 2013

Putting Numbers and Faces to the Problem

According to the Washington Post, fully one-third of all people who purchased insurance policies on the Obamacare exchange have major mistakes in their information which will prevent them from getting proper coverage at correct prices and which may result in their having no insurance at all.  The WaPo article is an eye-opener.  Think about it.  We know that in October there were just about 100,000 people nationwide who selected insurance policies on the Obamacare sites.  If November brought in twice that number, it would bring the total to 300,000.  That is a very low figure, since the goal has been to have 1.4 million people sign up each month between October and March; there should have been 2.8 million in the first two months.  Nevertheless, even if the figure is only 300,000 in total, that means that one hundred thousand families who think that they signed up may turn out in January to have no insurance.  Alternatively, they may learn that their premiums are much higher than they were told, so that they can no longer afford the insurance.

The principal culprit here is the "back end" of the web site, the section that compiles data and transmits it to the insurance companies.  As of today, according to the Post, that section is not working properly although work is underway to correct it.  It seems unbelievable that the administration would have people signing up with only two thirds of them actually getting what they were promised on the site.  Correcting the mess generated by this plan is going to take a massive effort and a great amount of time.

One truly strange bit of information here is the explanation from the White House as to the cause for the problem.  The communications director at the White House blames the errors on the people using the site at least in part.  (Even the communications director did not have the chutzpah to claim that the site was not at fault.)  What a genius!  Web sites are supposed to be designed so that users cannot misuse the site.  Everyone knows that, except apparently the White House.

It will be terrible to watch the disaster unfold in January as huge numbers of people find out that they have lost their insurance despite "signing up" on Obamacare.




 

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