Obamacare

Signing Up for ObamaCare's Insurance Exchanges: As Complex As Doing Your Taxes?

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Photo credit: unloveablesteve / Foter.com / CC BY-NC-SA

The administration has touted ObamaCare's health insurance exchanges as a way to simplify the process of signing up for health insurance. A White House page dedicated to the health care law says the exchanges "will make buying health insurance easy."

Turns out it may not be so easy after all.

The Associated Press obtained a draft application for ObamaCare's health insurance exchanges — the primary vehicles for the law's coverage expansion and health insurance subsidies. Guess what? It's pretty complicated. The current draft runs has 21 steps and runs 15 pages for a three person family. "At least three major federal agencies," the AP reports, "including the IRS, will scrutinize your application. Checking your identity, income and citizenship is supposed to happen in real time, if you apply online."

And that's just the application for the subsidies. After that, you'll still have to pick a plan.  "Once you're finished with the money part, actually picking a health plan will require additional steps, plus a basic understanding of insurance jargon," the AP says. 

If anything, finding insurance through ObamaCare's insurance sounds like it will probably be even more complex than most methods for purchasing insurance now. The AP report opens by suggesting that the application process could be "as daunting as doing your taxes." Indeed, it's complex enough enough that even ObamaCare's backers don't like it, and are worried it could undermine the law's effectiveness. Ron Pollack, the director of Families USA and a supporter of the president's health law, decscribes the current application draft as "enormously time consuming and complex" and warns that "will be difficult for many people to be able to complete." 

The practical complexities of implementing ObamaCare continue to pile up. The same White House web page that says the exchanges will make health insurance purchases easy for individuals also says that "small business owners will be able to offer their employees a range of plans from different insurers just like big employers do." What it doesn't mention is that the Department of Health and Human Services recently proposed delaying the part of the small business exchange that allows small employers to offer a choice of plans due to the "challenges to effective implementation." Basically, insurers said that it would require too much time and effort to set up by the original deadline.

 All of which is to say that, so far, implementing ObamaCare is a mess for the government, a mess for insurers, a mess for insurers — and, it looks like, a mess for many of us. 

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  1. Obviously this is a failure of the free market system. Single payer for everyone!

    1. Actually this is a solution to the free market’s (alleged) failure to create jobs.

      ObamaCare is going to create hundreds of thousands of new jobs for paperpushers at the IRS, HHS, doctors’ offices, tax preparers, ObamaCare consultants, hospitals, insurance companies, etc.

      Of course, none will provide anything valuable, but with the multiplier effect, these new jobs will create millions of new jobs.

      And all these new jobs will create more tax revenue, and we’ll live happily ever after.

  2. Indeed, it’s complex enough enough that even ObamaCare’s backers don’t like it, and are worried it could undermine the law’s effectiveness.

    If only we could get the right forms in charge…

  3. Free TurboCare for everyone!

  4. Unpossible. Obamacare is like a cuddly koala bear. Warm and fuzzy, no muss, no fuss baby. You get to keep what you like. And tax services get to double their profits! JERBZ are being created!

  5. I smell the potential for a whole new industry of professional government-insurance-subsidy-filers. Just like tax prep! How many jobs does this create or save? The ACA just got that much better!

    1. Okay…TurboCare will be $19.99 if it has to compete with CareSlayer.com

  6. “Sen. Mike Lee, R-Utah, called foul on President Obama’s promise that if you like your health care plan, you can keep it, as he noted a recent study showing that 98 percent of individual plans are illegal under Obamacare.”

    Surprise!

    1. Need cite on that whopper. (Not that Lee said it – that it is true).

  7. Why would anyone want to sign up to a market exchange?

  8. Health Pocket, an insurance data company, recently provided the basis for that claim. “The data shows that there will be a near complete transformation of the individual and family health insurance market starting in 2014,” according to Health Pocket. “Less than 2% of the existing health plans in the individual market today provide all the Essential Health Benefits required under the Affordable Care Act (ACA)”

    http://washingtonexaminer.com/….._click=rss

    1. Oh, because of dental/vision. BFD.

      My insurer doesn’t cover those either. And I don’t care. I’ll pay that $10 a month for those if they ask.

      1. “The company explained that most of the plans that won’t pass muster under Obamacare fail for lack of dental or vision coverage for kids, as well as a lack of maternity care.”

        You gonna pay $10 a month for maternity care too, you stupid fuck? You don’t know how insurance works do you?

        1. You gonna pay $10 a month for maternity care too, you stupid fuck? You don’t know how insurance works do you?

          To be fair, no one who knows how insurance works thinks it makes any sense for maternity care to be insured.

          1. To be fair, no one who knows how insurance works thinks it makes any sense for maternity care to be insured.

            In other words, everyone except for progressives like Shriek.

            1. I don’t know, I’m sure there are plenty of conservative women who think there should be “insurance” for that particular uninsurable event. And probably some of their husbands too. You underestimate the across-the-board intensity of natalism. (Or maybe you don’t, considering what you’ve mentioned of your personal situation.)

        2. It’s not insurance. It’s mandatory prepayment for a variety of services that you may or may not want or need because other people may want or need them.

      2. Yes, we know you never met a big government intrusion that you couldn’t shrug off. True Liberals are all for a cradle to grave welfare state, complete with 80,000 pages of regulations and an 80,000 page tax code.

        1. True Classical Liberals*

      3. I’ll pay that $10 a month for those if they ask.

        If you’re willing to pay for dental and vision coverage, why aren’t you doing so now?

        If you don’t want dental and vision coverage, why do you want to pay for it?

        1. My insurer does not provide it.

          Yes, it is a nuisance for insurers. I cannot deny that.

          1. “Yes, it is a nuisance for insurers. I cannot deny that.”

            Sure. Mandating you buy the more expensive plan is really a nuisance.

          2. My insurer does not provide it.

            You can buy stand-alone policies, you know. Why haven’t you, if you want the insurance? Have you even looked into it, or do you not want it enough to spend fifteen minutes Googling it?

            And if you don’t want it, why are you willing to pay for it?

          3. Palin’s Buttplug| 3.13.13 @ 4:27PM |#
            “My insurer does not provide it.
            Yes, it is a nuisance for insurers. I cannot deny that.”

            But you’ll defend it so you can lick the floors your fave asshole walks on.
            Go away, dipshit.

        2. Dipshit doesn’t realize it’s going to cost a lot more than $10 a month when it’s mandatory, but thanks for subsidizing my new bifocals

          1. CampingInYourPark| 3.13.13 @ 4:28PM |#
            “Dipshit doesn’t realize it’s going to cost a lot more than $10 a month…”

            Dipshit doesn’t care. Obama’s name is on the thing and dipshit will lick Obama’s toilet seat when he gets up if they’ll let him.
            Dipshit has daddy issues, and Obama makes him leak in his pants.

      4. Palin’s Buttplug| 3.13.13 @ 4:18PM |#
        “Oh, because of dental/vision. BFD.”

        Go away, dipshit.

        1. States do this shit all the time, dickhead.

          1. Palin’s Buttplug| 3.13.13 @ 4:28PM |#
            “States do this shit all the time, dickhead.”

            Yes, dipshit, and I’m sure you lick the floors at the statehouses, too.
            Go away, diptshit.

    2. But 2% of you can keep your existing plan!
      What an amazing piece of legislation!

    3. The company explained that most of the plans that won’t pass muster under Obamacare fail for lack of dental or vision coverage for kids, as well as a lack of maternity care.

      Sounds about right. Chalk up another win for Shriek’s Greatest Hero of Capitalism.

  9. Just to add to the fun:

    The report describes the 21 tax increases included in Obamacare, totaling $1.058 trillion ? a steep increase from initial assessment, according to the Tax Prof Blog. The summer 2012 estimate is nearly twice the $569 billion estimate produced at the time of the passage of the law in March 2010.

    http://www.economicpolicyjourn…..s-are.html

  10. I think this would be a good time to revisit the oft cited example of the single mom who works 80 hour weeks to feed her kid.

    I recall this everyday person couldn’t posssssibly have the time to obtain a state ID for voting. So how exactly is this same person supposed to get health insurance? Well, she better start working on her time management because she’s about to be hit with a yearly fine or a jail sentence.

    1. She’s going to need a state ID to use ObamaCare.

      I guess that excuse will go away, and opponents will have to admit that they’re against voter ID because it will deter some voter fraud. Because the party that inspires the most voter fraud really deserves to win.

  11. Lets hit it on up man, Makes sesne dude.

    http://www.EliteAnon.tk

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