HealthCare.gov Delays Are Way More Than Just Glitches

By:  Bob Adelmann
10/22/2013
       
HealthCare.gov Delays Are Way More Than Just Glitches

Those glitches and delays of ObamaCare resulted from a political decision: Premiums would be calculated only after subsidies were applied, hiding the fact of higher premiums.

It’s been three weeks since the much ballyhooed start of enrollment for ObamaCare, and the numbers are not just a little off what the administration expected. They are disastrously low

According to Mike Huckabee, fewer than 500,000 of the seven million uninsured people needed in the next six months to make this program viable have been able to apply for coverage online, and most of them were through state exchange websites, not the federal portal. What’s not clear is just how many are going to make those purchases once they see what their premiums are. That, according to Forbes, is the real reason for the so-called glitches and delays: The Obama administration didn't want applicants to see what their premiums were before any available subsidies were applied. They would discover that the Obama promise of lower premiums was a lie after all. And that would force the administration not only to admit to the lie but to consider “unthinkable options” such as delaying the roll-out for another year, or restarting the enrollment program from scratch.

When the website was initially being designed, it was going to allow an applicant to browse various plans and premiums before enrolling, just like free market insurance websites such as Esurance.com. But that option was eliminated when it was clear that premium increases — not decreases, as promised — would expose the lie. Instead, in order to get an insurance quote, an applicant would first have to enter personal financial data, which would then be routed to other systems and then finally to a credit-history firm. Called the Oracle Identity Manager, it is embedded into the government’s identity-checking system. But it forces the different programs, designed by different entities to serve different purposes, to talk to each other. And they don’t.

Forbes quoted two authors from the Wall Street Journal:

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