Obamacare Is Already Doomed!


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Comment by Jim Campbell, Citizen Journalist, Oath Keeper and Patriot.

ObamaCare or as it’s correctly named,  “The Affordable Health Care Act,” doesn’t provide health care, it provides rationing, with the ultimate goal of becoming a single payer system.

uncle-sam_life-support

Art courtesy of Dees Illustrations.

The entire fraud is dependent upon young people signing up for what they do not want or need and cannot afford to purchase.

National Review Online.

By Jim Geraghty

The all-conservative, no-RINO editions of the Morning Jolt continue.

So . . . Obamacare might be well along the path to self-destruction anyway. Read Megan McArdle:

The administration estimates that it needs 2.7 million young healthy people on the exchange, out of the 7 million total expected to apply in the first year.

If the pool is too skewed — if it’s mostly old and sick people on the exchanges — then insurers will lose money, and next year, they’ll sharply increase premiums. The healthiest people will drop out, because insurance is no longer such a good deal for them. Rinse and repeat and you have effectively destroyed the market for individual insurance policies. It’s called the “death spiral,” and the exchanges, like the mandate, were designed to keep it from happening.

Without the exchanges, the death spiral seems almost assured. The amount of work required to find a policy, figure out your subsidy, buy coverage and file the paperwork will be very high. And it’s unlikely that folks who can’t even be bothered to go to ehealthinsurance.com right now will do it. The Affordable Care Act made the task of signing up young healthy people on the exchanges even harder with its much-loved requirement that companies allow kids to stay on their parents’ policies until they’re 26, which took millions of potential buyers out of the pool. The ones who are left are going to be disproportionately poorer and less well educated than the middle-class offspring who can get cheap insurance through mom and dad.

She estimates that the threshold of the death spiral is really, really, really close:

If the system cannot reliably process 50 percent of its users on Nov. 1 — and I mean from end to end, including sending a valid enrollment file to the insurer — then the administration should ask for a one-year delay of Obamacare’s various regulations, including the individual mandate. Congress, including Republicans, should be ready to give it to them, with no strings attached.

Perhaps Nov. 1 seems too aggressive to you. I chose that date because it’s when Jon Kingsdale, who ran the Massachusetts exchange for its first five years, said we would be “really in deep doo-doo.” Well, let’s say Nov. 15 — the date when almost all the experts I’ve heard say we really need to be running at full speed, to handle the crush of applications sure to come between Thanksgiving and the mid-December deadline for buying insurance that starts in January.

Okay, Obama administration high command. You’ve just fought tooth-and-nail for three weeks during a government shutdown to resist Republican demands to delay the individual mandate. How do you feel about doing it because the website won’t work?

Yeah, that’s what I figured.

Entire article below.

This is where you say, “It’s designed to fail! It’s designed to collapse the existing health-care system!” That’s a really compelling theory, but the catch is that it’s got Obama’s name on it and the Democratic party has built just about all of their political capital on the idea that it would work. Democrats would be betting that after completely fouling up their signature domestic policy and one-sixth of the American economy, the voters would trust them to give it another shot, this time making even bigger, more radical, expensive, and complicated changes.

A revealing, but not that surprising, note is that nobody on the left appears all that worried about the death spiral, at least publicly. Perhaps this reflects decades of rhetoric that painted health-insurance companies as evil and greedy.

Nor do many folks on the left seem all that worried that so far, the number of people signing up and purchasing insurance is astonishingly low. Allow me to show you one of my new favorite web sites, EnrollMaven.com, just a one-man operation tracking publicly-available information on how many people have signed up.

“Remember, young Americans. You are now legally obligated to purchase health insurance you’re not sure you need in order to ensure the financial stability of health-insurance companies.”

So how real is the death spiral?

In Connecticut:

Nearly 400 individuals ages 55-64 who enrolled in the exchange between Oct. 1 and Oct. 15 qualified for Medicaid because their income was at or below 138 percent of the federal poverty level, and nearly 600 in that same age group have signed up for plans with one of the three private insurance carriers.

Of the 3,847 individuals who signed up for coverage, 1,857 qualified for Medicaid, 1,897 signed up for plans with one of the three private insurance carriers, and 93 qualified for the Children’s Health Insurance Plan. Of the individuals who signed up with private carriers, 772 won’t receive a subsidy and 1,125 will receive a federal subsidy to lower their monthly premium.

So 20 percent of the people who are buying insurance are paying their own way. So far, Obamacare is adding a lot of people to Medicaid and providing a lot of people with subsidies.

The Obamacare Navigators Are Lost

We are two weeks into the program, and I cannot emphasize this enough: NO ONE WITHIN THE ADMINISTRATION KNOWS WHAT IS GOING ON.

Five call center agents told CNN on Wednesday that because of an upgrade to the beleaguered website, many passwords were deleted if they were created in the first week or so after the launch. More recently created user names and passwords don’t seem to have the same problems.

If the representatives have it right, some users will continue having trouble logging in, no matter how many times they try.

“They did maintenance on the website recently and deleted all the passwords, so they needed resetting,” one agent wrote in a live online chat with a CNN reporter who has been attempting to go through the process of using the site.

“They deleted passwords on accident,” said another agent who answered the phone at the healthcare.gov call center. “They lost them.”

A senior administration official said these call agents are wrong. She said no passwords have been deleted, and the call agents were reading from a script that was given to them by mistake.

She adds that the administration has been trying to get them to stop using that script for the past week.

However, a call center agent said he’d received an e-mail as recently as Monday about the deleted passwords.

It sounds like getting timely, accurate information to the navigators is going to be a big and lingering problem:

Navigators have been leading prospective applicants through paper and phone applications to get the process started. But it can take as many as 10 weeks from starting a paper application through actually enrolling in a plan, they said.

[Tim McKinney, president and CEO of the United Way of Tarrant County, Texas' largest navigator grantee with a nearly $5.9 million award] said as far as he knew, submitting an online application with a paper one pending should not cause any new problems.

The Centers for Medicare and Medicaid Services did not respond directly to questions on the 10 week time frame, saying only that processing times are likely to vary, based on the complexity of the household and the completeness of an application and supporting documents that are submitted.

And some of these navigators are about as effective as the folks who built the web site:

Two weeks into the roll out of Obamacare’s online health insurance market, the two organizations chosen to help uninsured Nebraskans navigate the system haven’t been able to sign up a single person for coverage.

Community Action of Nebraska was awarded about $562,000 and The Ponca Tribe of Nebraska nearly $38,000 to help people find health insurance on the federally run insurance exchange that began operating —and we use that term loosely — Oct. 1.  The online marketplace, Healthcare.gov, repeatedly freezes, says “come back later” or crashes when people attempt to create an account so they can shop around for a plan.

Roger Furrer, executive director of Community Action, was tasked with helping nearly 40,000 uninsured Nebraskans navigate Obamacare. The group hired 62 “navigators” to educate Nebraskans and walk them through the enrollment process.

The folks who were doing this before Obamacare are unimpressed:

While the navigators say they are helping people by going door to door in their own neighborhoods, the insurance agents, who’ve been doing this job for decades, say they have concerns about the recently hired navigators.

“These navigators, number one, are not licensed insurance agents. Number two, they don’t carry errors and emissions insurance. Number three, the navigators or organizations that receive the grants, are not performing background checks on the individuals that are going to have access to your personal, identifiable information,” said Gabriel P. Janusa, President of Demand Insurance & Benefits, LLC in Metairie.

“They (the government officials) decided not to force them (navigators) to be licensed in the State of Louisiana through the Department of Insurance, because some of those people are felons. I can’t be a felon and give you advice on their health care,” explained Patrick Taylor, President of Benefit Planning Group in Metairie.

Louisiana navigators say they had required training. They studied the new law for as much as 15 hours on the internet and have a manual to look up answers to questions that might come up. They had to pass an extensive exam and are bound by strict rules.

Hey, 15 hours of training, a manual, and an extensive exam! Well, for most of them, anyway:

Two weeks after the launch of California’s health insurance exchange, some of Covered California’s navigators — individuals tasked with educating residents about the state health insurance exchange — still have not completed the certification process, NPR’s “Shots” reports.

According to “Shots,” some of the navigators have not:

Received state-issued licenses;

Completed training;

Undergone background checks; or

Received computer log-in information.

However, Peter Lee — executive director of Covered California — said that the exchange never expected to certify all of its navigators this early in the enrollment process.

Okay, maybe some others haven’t finished training:

Planned Parenthood and Visiting Nurse Services of Iowa have been designated as the Navigators-Certified Application Counselors, for the 2010 Health Care Law known as “Obamacare” for Marion County. Marion County Public Health Director Kim Dorn says the navigators have not completed their training, though enrollment into the government exchanges began Oct. 1.

Okay, maybe some are giving out the wrong information:

A day after saying that anyone signing up for the Affordable Care Act had to provide their credit score, the lead Navigator admitted that she had been providing factually incorrect information to the public.

Anne Packham, one of the people assigned by the state to help people navigate the government’s website, asserted in an interview on Tuesday — and then later during follow up questions — that the credit check was put in place so providers can make an educated decision about who to insure.

A Small Favor

It’s one of those frightening moments when you realize how close you are to aging out of the category of “young conservatives”:

4th Annual Young Conservative Leadership “Buckley Awards”

Call for Nominations & Sponsors!

Award ceremony will take place on Tues, Nov. 19th from 6:00-8:00pm at The Capitol Hill Club

Click for Buckley Award – Nomination Form 2013

Help us nominate a deserving young professional conservative between the ages of 18-40 who has made a significant contribution to the conservative movement at large in the last year.  The awards are in honor of the late William F. Buckley Jr. — a conservative movement leader/icon who founded National Review and wrote God & Man at Yale all before the age of 30.

The Young Conservatives Coalition will award five young professional conservatives with their prestigious Young Conservative Leadership “Buckley Award.” The award ceremony will take place on Tuesday, November 19th from 6:00-8:00pm at The Capitol Hill Club, at 300 First Street, SE, Washington, DC 20003.

Interested in Sponsoring? Contact Info@TheYCC.org for available sponsorship levels. With over 200-250 attendees, this would be a great visibility opportunity for your organization/business!

Nominations are due on Friday, November 8, 2013 by 5pm EST.

RSVP here for the 4th Annual Young Conservative Leadership Buckley Awards!

ADDENDUM: I’m on Morning Joe on MSNBC this morning. I would tell you to tune in, but by the time you read this, my segment will already have aired.

I know, I know — if you want to be recognized for helping conservatism, don’t immediately announce you’ll be appearing on Morning Joe!

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3 responses to “Obamacare Is Already Doomed!

  1. No Ponzi Scheme ever works, does it? In this one, the older you are the more badly you’re gonna get screwed. Something for everybody: t promises the Poor the services of the Rich while impoverishes the Middle.

  2. they dont want the exchanges working now.Cuz ppl will see the HIGH cost of it before the Nov elections! And they dont want to lose votes! So put a temporary rug over it for awhile!

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