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General discussion

The ObamaCare enrollment numbers are in,...

Nov 13, 2013 8:43AM PST

,,,and they aren't good: http://www.huffingtonpost.com/2013/11/13/obamacare-enrollment_n_4266865.html?icid=maing-grid7|main5|dl1|sec1_lnk2%26pLid%3D405688

One month into the rollout of Obamacare, 106,185 people had chosen a private health insurance plan using the health care reform law's troubled exchanges, the Department of Health and Human Services announced Wednesday, the first time the Obama administration has given enrollment figures...

Some 26,794 people who have selected a health plan did so via the federally run insurance exchanges, compared to the more than 79,000 who used the exchanges in the 15 states and the District of Columbia that are operating their own marketplaces, according to the HHS report, which spans the period from Oct. 1 to Nov. 2.

Not all of the more than 100,000 people tallied by the administration have taken the final necessary step and actually made the first payment for their coverage, which begins in January, the report indicates. The Department of Health and Human Services doesn't have accurate data on how many people made payments to insurers, which aren't due until Dec. 15, Sebelius said.

An additional 975,407 people have completed the application to determine whether they can receive subsidies and now have only to choose a health plan, the report says. More than 396,000 people using the exchanges have been deemed eligible for Medicaid or the Children's Health Insurance Plan.


A map by state is at http://money.cnn.com/interactive/economy/obamacare-enrollment/?iid=EL. The formal report (PDF) is at http://aspe.hhs.gov/health/reports/2013/MarketPlaceEnrollment/rpt_enrollment.pdf.

Just some thoughts: 1. More people discovered they were Medicaid eligible than signed up for ObamaCare policies? Really? I didn't know that many folks didn't know they could get that coverage. 2. I wish that HHS had supplied a breakout of that 106,000 number by age group, as any chance of the program succeeding requires a disproportionally large number of 18 - 30 year olds to enroll. Given the number of applicants referred to Medicare, however, I'm guessing that the number of applicants in that age group is extremely small. 3. If I'm right in that guess, then the ACA is doomed before it ever gets started. 4. This debacle belongs to the President and the Democrat Party. They own it, they can fix it (if possible). My suggestion is immediate repeal.

Discussion is locked

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After what I just saw
Nov 13, 2013 9:05AM PST

for their Colorado ads, I'd say the direction this Obamacare program is taking should be grounds for immediate removal of the Act. Anyone who can't get affordable health insurance should find coverage under Medicaid instead. Expand that program if necessary and get rid of this ridiculous Obamacare boondoggle.

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some of the proposal may sound good
Nov 13, 2013 10:26AM PST

and parts of the idea perhaps should be properly evaluated.

But the current mess and it's implementation sucks.

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those ads
Nov 15, 2013 2:23PM PST
http://www.huffingtonpost.com/2013/11/12/obamacare-ads-colorado_n_4261448.html

"The people that brought you the Obamacare keg-stand "brosurance" campaign are back with a new set of eyebrow-raising ads.

The ads, which all live on the DoYouGotInsurance.com website, are a collaboration between Colorado Consumer Health Initiative and ProgressNow Colorado Education, and reference the famous "Got Milk?" ads.

In one ad -- called "Let's Get Physical" -- characters named "Susie" and "Nate" are described as "hot to trot." Susie gives a thumbs up while holding a back of birth control pills.

"OMG, he's hot!" the ad reads. "Let's hope he's as easy to get as this birth control. My health insurance covers the pill, which means all I have to worry about is getting him between the covers. I got insurance.""


more in article
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I've said this before and I'll say it again
Nov 14, 2013 10:03PM PST

I wouldn't read too much into the low signup rates to date. Americans are notorious procrastinators. The Romney plan in MA started off slowly also. How many of us submit our tax returns in February and how many are scrambling to get them postmarked on April 15? It's just how people are.

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actual "signup numbers" are lower
Nov 14, 2013 10:27PM PST

They are counting those also who put something in "the cart" but have failed to actually finalize it as a purchase, either not being able, or backing down at that point without emptying the cart. If they collected a name they are counting it. I heard the actual number who completed the signup which includes the purchase I guess, is about a third of what they've claimed. Also the number given is not just the Obama website alone, but includes those from several state run websites which are functioning better. The failure of the federal website is actually more abysmal than many realize.

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The sections that Paul pasted into his post.....
Nov 15, 2013 12:04AM PST

.....provide a breakdown of how many completed the signup, how many have gone through part of the process, etc.

And of course the number isn't limited to those who signed up on the website. Why should it be when there are multiple ways of signing up?

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Actually, Josh, I don't think that...
Nov 15, 2013 1:24AM PST

...there's ONE secure and safe way to apply for ObamaCare. The healthcare.gov website is fatally flawed from a security standpoint: http://www.cbsnews.com/8301-18563_162-57611858/memo-warned-of-limitless-security-risks-for-healthcare.gov/

(Henry) Chao said he was unaware of a Sept. 3 government memo written by another senior official at CMS. It found two high-risk issues, which are redacted for security reasons. The memo said "the threat and risk potential (to the system) is limitless." The memo shows CMS gave deadlines of mid-2014 and early 2015 to address them.

If you watch the video clip, it mentions possible "misrouted data." Hmmm... remember all those complaints about partial applications being "lost"? I shudder to think they had been lifted by identity thieves instead.

As for phone applications: Do you really want to be giving that data over the phone?

Finally, we have personal applications handled by ObamaCare "navigators," who as Toni and have both posted, are NOT required to undergo a routine criminal backround check before being allowed to collect very significant personal data from applicants.

When you go to the ObamaCare website, you are confronted with a page that flatly states that you have "no expectation of privacy" when completing the application. Doesn't that make you all warm and fuzzy inside, Josh? Devil

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no security for forms?
Nov 15, 2013 7:00AM PST

no SSL? Not even encrypted pdf forms to be filled out and sent back?

"When you go to the ObamaCare website, you are confronted with a page that flatly states that you have "no expectation of privacy" when completing the application."

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It's a straight online application, James,...
Nov 15, 2013 8:10AM PST

...and there are no encrypted forms. As I noted above, the healthcare.gov site has major security flaws and simply can't be trusted. As I also noted, some of the vulnerabilities won';t be fixed until mid-2015.

As for the "no expectation of privacy": The fact is that any data submitted is automatically shared with any Federal government department which thinks it needs the data. The list of course begins with the IRS, but I'm sure it won't be the only department which decides it wants more and more information on the citizenry.

ObamaCare will create the largest, most comprehensive database on Americans ever compiled - a database that in the hands of this group of authoritarians in training - of BOTH parties, I might add - can only lead to bad outcomes for we, the people.

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I don't see the problem with applying via phone
Nov 17, 2013 9:56PM PST

I do that all the time as a safer alternative to e-mail. Someone needs my personal info and asks for it in an e-mail. I ask if I can call them and give it to them that way instead.

What is the context of the "no expectation of privacy" notification? When do you see it? Have you run through the application process? During the hearings I saw more than one representative complain about questions on that website that are not actually there.

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October 17th figures. Current tally stands at 303,292
Nov 16, 2013 1:48PM PST
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Total for Weeks 1 through 8 as of mid November. 4,546,599
Nov 16, 2013 2:22PM PST

Unfortunately they don't offer a running total, so you have to add each weekly total to the ones before it.

Week 1 118,337
Week 2 463,671
Week 3 596,056
Week 4 786,852
Week 5 183,889 plus 526,132 Medicaid total for the week 720,021
Week 6 218,162 plus 588,620 Medicaid total for the week 806,782
Week 7 106,185 plus 392,261 Medicaid total for the week 498,446
Week 8 154,597 plus 401,837 Medicaid total for the week 556,434

Overall Total signed up, 4,546,599 by mid November.

Rob

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That 'overall' total that
Nov 16, 2013 6:33PM PST

you appear to be pleased with has a vast majority of them getting onto the 'free' Medicaid rolls.......that means that none of them are paying into Obamacare and rather taking for free what taxpayers will have to pay for. So basically, Obamacare falls on its face and the States take the hit because BO lowered the eligibility requirements for Medicaid. I thought this was supposed to be the president who cares about the middle class? Seems to me that the only that's happening here is that the middle class are being 'lowered' into the poverty level in record numbers.

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I have no problem with that
Nov 17, 2013 3:10AM PST

If they truly are eligible for Medicaid, then they definitely need it. That also removes it from the Obamacare into an existing program, which means those should actually be subtracted from Obamacare numbers since the Medicaid was already available. The best approach would have been expansion of Medicaid for those who couldn't afford private health insurance and then nobody who already had health insurance would face losing it like millions already have.

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Know a case personally
Nov 17, 2013 9:53AM PST

qualifies with SS as disabled, bad vertebrae damaged somehow, and bad knee, lessor problem.

Can't qualify for Medicaid because owns a house in New York, rented out because she's down in NC (renting a house) because her grown daughter here was helping her the first two years when she had difficulty even taking care of house and self.

If I understood right, she was told you can't qualify for Medicaid if you have as much as $2000 in equity in property. Didn't realize it was that low. Not sure if would count or not if she was still living in her house as primary residence.

And like so many, just got notice her insurance will be cancelled.

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sounds about right
Nov 17, 2013 10:21AM PST

If you own it, and you live in it, it won't count against you, although I think there is also a limit on how much value the property can be. Her choice would be to sell that house, buy another of same exact or greater value where she's at now, which was allowed in past, maybe still is. The can't force you out of the home, but can count "income" from a home you rent. Flow of funds and banked funds is more determinant against you than total personal value of a home. Homes however then come under the Estate Recovery Act once the owner dies, which means anyone getting Medicaid at time of death who owns a home will have the govt as their first right to inherit, not their children. Look back is 3-5 years and often the 5 year if in the system once already.

Ways around it? Not many if you really need the Medicaid. If your health costs are less than what would use up your home sale value for the next 5 years, then exit Medicaid, then sell the home, transfer funds to children, wait the years out, then Medicaid again.

Planning ahead such as putting children as owners with a "life estate" in the property will protect the inheritance, but not necessarily control over the home if the person enters a nursing home later. That "life estate" value goes to the govt and they can then take over and "rent" the place out until the person on Medicaid in the nursing home dies.

Other options might be family trusts, but the govt sometimes goes after those in court. Some depends on the states at the time I tracked it, but even then the feds were planning on forcing states in regards to the Estate Recovery Act. I don't know if that decision to make recovery is still determined in each state. Florida at the time was fairly safe state against it if the property was below a certain value that most middle class homes would have been.

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problem is, can't find a buyer at reasonable for her
Nov 17, 2013 10:35AM PST

don't know what she's asking, owes, or appraisal. None of my business except what has been volunteered.

Don't know her well enough to be privy to more details.

Thought it had gone up again from 5 years to 7 years? My grandmother "sold" her house to kids and then lived over 20 years.

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quite possible longer look back now
Nov 17, 2013 11:08AM PST

My information was valid about 2004-2006 since Mom died in 2004 and I kept up on it for a couple years afterwards in case it applied to Dad. He instead did a reverse mortgage so he would live on the money the final years and I didn't exercise the option to pay that off when the property values in Florida died, putting the reverse mortgage value higher than the property value and nstead left my step sister and her children in the home till foreclosure so she ended up with over a year residence at no cost to her.