Some reassurance from an insurance industry strategic consultant:
....HealthCare.Gov on the front-end is in pretty good shape. It’s where it
should’ve been at launch. The back-end is still highly problematic.
Clearly the administration put its emphasis on the consumer side.
Insurers are still seeing errors in probably 5 percent of the files
coming through. That’s compounded by the issue of all the people
enrolling in the last few weeks. That’s a huge surge that would create
customer-service problems in the best of circumstances, So I think it’ll
take until about the end of January till everyone is straightened out
and where they should be....
Well, sorta, kinda, maybe, if all you're looking at is the operational issues. But there are other matters.
Such as, umnnnhhhh, underwriting issues.
...There’s a big misconception that this is about young people. That’s
baloney. It’s about healthy people. A healthy 20-year-old might only pay
a $100 premium. You want healthy 40 and 50-year-olds. The big problem
right now is really total enrollment. We only have about 10 percent of
the uninsured in here. Insurers think you need more like 70 percent of a
pool of people to sign up....
If they don't sign up, the insurance lobby covered its ass with Gummint money, of course.
But the real problem? The one that'll last beyond 2014?
...If an entrepreneur had crafted Obamacare he would’ve gone to a middle
class family. A family of four make $54,000 a year has to pay $400 in
premiums net of subsidy and for that the standard silver plan has an
average deductible around $2,500 and a narrow network. They’re going to
pay almost $5,000 for that?
So the entrepreneur would say I’ve got $5,000 in premium and all this
deductible, what do they want for that? And they probably would’ve said
we want office visits and lab tests because the kids need to go in
occasionally and then we want catastrophic care. The problem with
Obamacare is it’s product driven and not market driven. They didn’t ask
the customer what they wanted. And I think that’s the fundamental
problem with Obamacare. It meets the needs of very poor people because
you’re giving them health insurance for free. But it doesn’t really meet
the needs of healthy people and middle-class people....
Yah. But hey, Obozo prefers to dictate. Who needs the assent of the peons?
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