RE: Epic Fail. Current Obamacare enrollment (Full Version)

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DesideriScuri -> RE: Epic Fail. Current Obamacare enrollment (11/12/2013 11:23:56 AM)

quote:

ORIGINAL: BitaTruble
quote:

ORIGINAL: DesideriScuri
The first year, the penalties are lower, but increase each year for, IIRC, 3 years. The highest rate is $695 or 2.5% of income, which is higher, per month. In the first year, then, your $100k example would pay $1000/mo. for each month not covered, as long as there are at least 4 months of non-coverage. In the third year, it would be $2500/mo. for each month not covered, as long as there are at least 4 months of non-coverage.
I don't know what the coverage is if you pay the penalty, if there is any. You might still have to pay out of pocket for everything, so you won't necessarily be getting healthcare for that $95/mo.

It's not per month.. it's per year. $95 or 1% is the max penalty per person for the first year. You've misread the ACA.


Thanks for the correction. I missed the "1/12th" part.




papassion -> RE: Epic Fail. Current Obamacare enrollment (11/12/2013 12:36:52 PM)


quote:

ORIGINAL: BitaTruble


quote:

ORIGINAL: papassion

Suppose a person signs up for the cheapest plan. (then he has insurance, (so no penalty) Then he gets an expensive health problem. Can he upgrade to the best plan with no penalty now that he has a condition that covers more expenses than his cheaper plan does? Remember, pre-existing condition cannot disqualify you for signing up. Does that apply to upgrading a plan?

No. Unless it's during an open enrollment period, you can only change a plan with a life change event - marriage, divorce, birth/death/adoption of a child, loss of job are all considered life change events. Having insurance then needing better insurance because you've gotten sick does not qualify as a life change event that allows you to increase your insurance coverage.
/quote]
You can upgrade to a better policy during an open enrollment period, No matter what your health condition is?




Yachtie -> RE: Epic Fail. Current Obamacare enrollment (11/12/2013 12:47:30 PM)

A little humor [:D]

[image]http://www.zerohedge.com/sites/default/files/images/user3303/imageroot/2013/11/20131112_NICS.png[/image]




RottenJohnny -> RE: Epic Fail. Current Obamacare enrollment (11/12/2013 1:40:17 PM)

FR

If the enrollment numbers continue to stay under expectations it will be interesting to see how the administration handles it. I'm wondering if they will eventually move to a more threatening posture, warning Americans to sign up, pay fines, or risk going to jail. Won't you just love your government if that happens?




BitaTruble -> RE: Epic Fail. Current Obamacare enrollment (11/12/2013 1:46:11 PM)


quote:

ORIGINAL: papassion


You can upgrade to a better policy during an open enrollment period, No matter what your health condition is?

That's correct. Open enroll is generally twice a year for 10 weeks - normally from mid Oct to the end of Dec then from mid April to end of June otherwise you will need a life change event to change your coverage. (You can drop coverage at any time outside of court orders and stuff.. you just can't add coverage whenever you feel like it.)

The April through June enrollment is not valid for all insurance companies. Some will only allow open enrollment once per year and it may not be in the Oct to Dec time frame. Most are.. but the time frame should be checked with insurance company you use to see what their specific policy's are for open enrollment.




MsMJAY -> RE: Epic Fail. Current Obamacare enrollment (11/12/2013 2:31:03 PM)

Actually its 49,100 and.... (Edited to add: this number is from only 12 states reporting.)

"The data does not include California, the most populous U.S. state, Massachusetts or Oregon. It also doesn’t account for those enrolled through the federal website serving 36 states."

http://www.bloomberg.com/news/2013-11-11/state-run-obamacare-exchanges-report-49-100-enrollees.html




Phydeaux -> RE: Epic Fail. Current Obamacare enrollment (11/12/2013 5:41:22 PM)


quote:

ORIGINAL: Lucylastic


quote:

ORIGINAL: Phydeaux

How many people have enrolled in Obamacare from Oregon...



Zero.


Actually....you are wrong...No one has signed up for private insurance, because its not up and running yet, BUT

Though Oregon's health insurance exchange is not yet up and running, the number of uninsured is already dropping thanks to new fast-track enrollment for the Oregon Health Plan.

The low-income, Medicaid-funded program has already signed up 56,000 new people, cutting the state's number of uninsured by 10 percent, according to Oregon Health Authority officials.

Though the new exchange called Cover Oregon was originally intended to be used for Oregon Health Plan enrollment, the online marketplace doesn't work yet. Instead, new Oregon Health Plan members are being enrolled using a fast-track process that was approved by the federal government in August.

Since late September the Oregon Health Authority sent out notices to 260,000 people already enrolled in the state's food stamps program since late October.

The notices informed them that based on their income reported to the Supplemental Nutrition Assistance Program, they are pre-qualified for the Oregon Health Plan in 2014. Most of them are newly eligible thanks to the state's decision to expand the program's income caps under the federal Patient Protection and Affordable Care Act.

To enroll, all they have to do is make a phone call or send a form consenting to be enrolled. So far, 56,000 people have done that, coming on top of more than 600,000 already enrolled.

Under the new Oregon Health Plan income eligibility rules, in 2014 individuals must earn 138 percent of the federal poverty level or less to qualify, as compared to the 100 percent cutoff this year. The new cap means monthly income of $1,322 for an individual,$1,784 for a household of two, $2,247 for a household of three, and $2,704 for a family of four.

Another change likely to boost enrollment: under new rules mandated by the federal health law, savings or property is no longer a bar to membership; application is now based strictly on income for the month in which someone applies.

Many of the new enrollees are likely to have pent-up health needs. A survey of 38,000 people on the Oregon Health Plan waiting list in 2012 found 11 percent had diabetes, 8 percent heart problems, 30 percent high blood pressure, 22 percent high cholesterol and 5 percent cancer.
Yesterday I wrote about Oregon's big success signing people up for Obamacare: The state had, in the course of 17 days, signed up 56,000 people for the health law's Medicaid expansion. In one fell swoop, the state had cut its uninsured rate by 10 percent.

http://www.oregonlive.com/health/index.ssf/2013/10/oregon_has_cut_tally_of_those.html


From Wapo

http://www.washingtonpost.com/blogs/wonkblog/wp/2013/10/18/the-other-side-of-obamacares-oregon-success-no-one-has-bought-private-insurance/


Yesterday I wrote about Oregon's big success signing people up for Obamacare: The state had, in the course of 17 days, signed up 56,000 people for the health law's Medicaid expansion. In one fell swoop, the state had cut its uninsured rate by 10 percent.
That is, however, only part of the story from Oregon. When it comes to private insurance, spokeswoman Amy Fauver said that it has not yet had any sign-ups.
"While we wish we were in a different place with our technology, we're implementing the contingencies we need to make sure no Oregonians get left behind," she said.
Cover Oregon decided Sept. 30, the day before the marketplace went live, that the software it uses to determine who qualifies for financial aid was coming up with too many errors to go live. It decided instead that it would process applications manually. Those applications have begun filtering in and determinations will likely go out later this month.
"They'll start hearing from us in the next week or two what about what their next step is," Fauver said. "We have staff trained to do that determination."
However, Fauver said that no Oregon health plan has received an enrollment through the marketplace. She declined to comment on the number of applications submitted to the marketplace, saying her department is "still working through the data to to arrive at a number we can stand by." It's possible that some of the applications could be incomplete, or represent multiple people. Cover Oregon doesn't know because they're still pending manual processing.
Oregon initially projected that 7,000 people would sign up for private coverage this month. Fauver wouldn't say whether that number still seems reasonable, with 12 days left to go in the month.
"It's too soon to say," she said. "We're working with our developers around the clock to get this fixed. We're not where we want to be, but we think we'll be able to get there soon."
How could so many people sign up for the Medicaid expansion, and not a single person enroll in private insurance? It mostly has to do with how simple the Medicaid sign-up was: The state sent out notices to about 260,000 people who already receive public benefits and were below 138 percent of the federal poverty line, the cut-off for the Medicaid expansion.
To enroll, they simply had to call a phone number or return a form to the state.
"It simplified the process and that made a huge dent," Fauver said. "We're extremely thrilled about that, and expect the number to go up in coming weeks."

It would be nice if you could get the difference between obamacare, or the ACA and PRIVATE Insurance......




Thanks for making my point for me.

Medicare (or medicaid) is not ensurance. And, as I alluded to - its not working in Oregon. But yes - the state signed up people for the government entitlement called Medicare or Medicaid. Something they could have done at any point in the last twenty years.

Of course, they only did so now because they were offered such a great deal. 90% of the costs would be paid for by the federal government!!!

Lets think about this for a moment. Lets suppose that ALL the states decided to sign up for expanded medicaid.

So all the new medicaid people would be paid for... by the government. Well who's the government. Um. US.

So we just signed up millions of people for medicaid - and agreed to pay for it. By 'agreed' I mean that loosely as democrats rammed that through without a single republican vote using dubious procedures and outright bribes to sitting members of congress. You know - like the federal government picking up the full cost of medicaid in perpetuity for nebraska.


Yay! Of course we could do this at any time. The question isn't in signing anyone up - its in paying for it.

As for getting the difference between obamacare - and insurance I get it.

One of them is will cover medical costs according to law for enrolled participants using the proceeds from the covered. The other is obamacare.








LookieNoNookie -> RE: Epic Fail. Current Obamacare enrollment (11/12/2013 6:14:37 PM)


quote:

ORIGINAL: SweetAnise

OMG already it has only been over a month. Calm down.


Yeah....sure...in 4 more months, they'll get the other 6,950,000 additional sign ups....absolutely.

That's only 1,750,000 a month as we move forward.

Cake.

35 times (each month) what they've done so far, with no errors....over each of the next 4 months.

Pro nob.




popeye1250 -> RE: Epic Fail. Current Obamacare enrollment (11/12/2013 8:21:59 PM)


quote:

ORIGINAL: Phydeaux

As of Monday: Enrollment less than 49,100. This number includes medicare patients from a number of states.
The enrollment is 3% of the value the administration expected at this point 49k compared to 1.4 million.

And of course.. the elephant is the room.. is still the 50 million people that will lose insurance.

Younger people are not signing up.
Costs are way higher than predicted.
Fewer people covered.

Just the tip of the iceberg. Yet the dimocrats will insist: "Onward, Titanic!"



per http://www.reuters.com/article/2013/11/11/usa-healthcare-enrollment-idUSL2N0IW0XX20131111?feedType=RSS&feedName=rbssHealthcareNews&rpc=22

i



Two weeks ago they said that 2 million people were kicked off their insurance plans, that number is now 5 million.
On the news they said that Obamacare is going to be a "catastrophe."
The Congress who voted for it *STILL* don't know what's in it!
There's a built in "out" of it, just tell them that you're a "muslim" and they can't force you to do anything as it's against their law to have insurance as it's a form of gambling.
Yup,..."T-R-A-I-N W-R-E-C-K"




Phydeaux -> RE: Epic Fail. Current Obamacare enrollment (11/12/2013 8:26:15 PM)


quote:

ORIGINAL: popeye1250


quote:

ORIGINAL: Phydeaux

As of Monday: Enrollment less than 49,100. This number includes medicare patients from a number of states.
The enrollment is 3% of the value the administration expected at this point 49k compared to 1.4 million.

And of course.. the elephant is the room.. is still the 50 million people that will lose insurance.

Younger people are not signing up.
Costs are way higher than predicted.
Fewer people covered.

Just the tip of the iceberg. Yet the dimocrats will insist: "Onward, Titanic!"



per http://www.reuters.com/article/2013/11/11/usa-healthcare-enrollment-idUSL2N0IW0XX20131111?feedType=RSS&feedName=rbssHealthcareNews&rpc=22

i



Two weeks ago they said that 2 million people were kicked off their insurance plans, that number is now 5 million.
On the news they said that Obamacare is going to be a "catastrophe."
The Congress who voted for it *STILL* don't know what's in it!
There's a built in "out" of it, just tell them that you're a "muslim" and they can't force you to do anything as it's against their law to have insurance as it's a form of gambling.
Yup,..."T-R-A-I-N W-R-E-C-K"


Actually the current estimate is 86 million. I think that is overstated by about 30 million. Or rather, it understimates the abiliities of the democrates to cost shift it back to the federal government - which is what I think they will do.

The democrats will seek to avoid this problem by increasing the subsidies (and hence lowering costs) until they can entice the membership numbers they need.

If they can accomplish that politically, it will work. The only problem then is that it will multiply the costs 3 fold.




Lucylastic -> RE: Epic Fail. Current Obamacare enrollment (11/13/2013 2:14:24 AM)

http://www.theatlanticcities.com/politics/2013/11/biggest-obamacare-losers-cities-states-wont-expand-medicaid/7537/

Grady Memorial Hospital in downtown Atlanta is a formidable institution, a bulwark for the low-income and uninsured that grew from a hundred beds in 1892 to one of the largest public hospitals in the country. It has the primary Level I trauma center in the metro region. It has one of just two burn centers in the state. Each year, nearly every one of Georgia's 158 counties sends patients to the hospital for its specialized units or its open doors.

Private insurance covers little of this care: A majority of all these people who come to Grady are either on Medicaid or have no insurance at all.

Next year, the hospital's perpetually strained resources will begin to grow even tighter. The federal Affordable Care Act contains a sweeping expansion of Medicaid, the piece of the law aimed precisely at the low-income Georgians that Grady has long made a point of serving. Only half of the states have opted to take the expansion, paid for in its entirety by the federal government for the first three years. Georgia is not one of them.

That Grady Memorial must live with Georgia's decision illustrates two perverse subplots as the Affordable Care Act rolls out very differently across the 50 states. The political dynamic of somewhat more left-leaning major cities located in red states means that governors and state legislatures have rejected health care resources that many local officials in urban areas desperately wanted.

And because big cities are also magnets for the uninsured, with their more extensive health infrastructure, the burden of caring for a state’s uninsured disproportionately rests on its urban hospitals and taxpayers.

The state politicians who have made these decisions, in short, are not the ones who will bear the cost of them.

http://prospect.org/article/cruelty-republican-states-one-chart
[image]http://prospect.org/sites/default/files/medicaid_eligibility_by_state_ii.jpg[/image]




DesideriScuri -> RE: Epic Fail. Current Obamacare enrollment (11/13/2013 5:14:34 AM)

Lucy, you do understand that the whole point of the mandate wasn't to get people on government-paid health care programs, but to get those who were younger and healthier to enroll, right? The idea was to force those who were choosing to not buy insurance because they don't think they need it, to buy insurance. Those people were less likely to use the insurance, thus subsidizing those who couldn't get insurance plans because of pre-existing conditions.

If all that happens is there are more Medicare and Medicaid people, this is just going to get more and more expensive as time goes on. Government here is already spending 10% GDP on paying for medical care through Medicare, Medicaid, the VA, S-CHIP, etc.

The individual mandate was supposed to get people who weren't likely to use insurance to pay for insurance that paid for those who were definitely going to be using the insurance (those with pre-existing conditions). If people are only signing up for Medicaid, then private insurance premiums are only going to increase as the risk pools are only going to get riskier.




DaddySatyr -> RE: Epic Fail. Current Obamacare enrollment (11/13/2013 3:22:35 PM)

Look, all you righty fascists.

Obama care is working. Millions have saved hundreds of dolla ... wha? They haven't? Oh.

Well, millions of people that didn't have covera ... wha? Oh. Not really?

Well, young people are signing up for Obama care in recor ... wha? No? Oh.

Well, insurance companies are no longer making profits that would make Midas blu ... they are?

Well, it's all the republicans' fault.

That's the dimocrat answer, in a nut shell (no pun intended)







mnottertail -> RE: Epic Fail. Current Obamacare enrollment (11/13/2013 3:26:33 PM)

That is the stupidest thing you have uttered to date, and you have uttered some massively stupid shit. 




Phydeaux -> RE: Epic Fail. Current Obamacare enrollment (11/13/2013 4:24:52 PM)

Really?

Suppose you refute each point.

How about just this one: Show me where people are signing up for insurance at the levels predicted, through healthcare.gov





mnottertail -> RE: Epic Fail. Current Obamacare enrollment (11/13/2013 4:28:42 PM)

https://www.healthcare.gov/
There it is, no predictions on that site, of any sort. (I know you didn't look before you said something stupid).

You really shouldn't be trying to help out people who don't have facts.   Cuz, just .....*snicker*  




Yachtie -> RE: Epic Fail. Current Obamacare enrollment (11/13/2013 4:34:14 PM)

FR

But the ads are great. Really! [8|]


[image]http://www.doyougotinsurance.com/images/63.jpg[/image]

Ladies, you have arrived. [;)]




KYsissy -> RE: Epic Fail. Current Obamacare enrollment (11/13/2013 4:35:12 PM)


quote:

ORIGINAL: papassion

Suppose a person signs up for the cheapest plan. (then he has insurance, (so no penalty) Then he gets an expensive health problem. Can he upgrade to the best plan with no penalty now that he has a condition that covers more expenses than his cheaper plan does? Remember, pre-existing condition cannot disqualify you for signing up. Does that apply to upgrading a plan?


It depends on what that cheap plan offers. My cheap plan is I pay everything up to $3000 per year. Once I pay $3000, I pay nothing.

Some cheap plans are a pretty good deal.




TreasureKY -> RE: Epic Fail. Current Obamacare enrollment (11/13/2013 6:12:25 PM)

FR:

I'm stunned that no one has yet to post the latest numbers.

Health Law Enrollment Figures Far Lower Than Initial Estimates

"... just over 106,000 people picked health plans in the first month of open enrollment through the state and federal insurance marketplaces established by the Affordable Care Act...

Kathleen Sebelius, the secretary of health and human services, disclosed the much-anticipated numbers during a conference call with reporters on Wednesday..."

Obamacare's first month: 106,000 signed up

"Fewer than 27,000 Americans selected an insurance plan through the federal healthcare.gov site, which is handling enrollment for 36 states, according to figures released Wednesday by the Obama administration...

Nearly 79,400 people have selected a plan through state-based exchanges...

Only 11 states reported sign-up figures Wednesday.

These figures reflect people who have selected insurance plans through the exchanges, but not necessarily paid for them.

Separately, another 396,261 Americans have been determined eligible for Medicaid or Children's Health Insurance Program (CHIP)."

106,000.

And what? 5 million or so are having their plans canceled?

Wow.




slvemike4u -> RE: Epic Fail. Current Obamacare enrollment (11/13/2013 7:27:12 PM)


quote:

ORIGINAL: LookieNoNookie


quote:

ORIGINAL: SweetAnise

OMG already it has only been over a month. Calm down.


Yeah....sure...in 4 more months, they'll get the other 6,950,000 additional sign ups....absolutely.

That's only 1,750,000 a month as we move forward.

Cake.

35 times (each month) what they've done so far, with no errors....over each of the next 4 months.

Pro nob.

The Mass.model demonstrated that most will wait till near the deadline to sign up.....so don't snicker too much




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