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About 25% of HealthCare.gov Applications Have Errors

itwbennett writes "An estimated one in four user applications sent from HealthCare.gov to insurance providers have errors introduced by the website, an official with the U.S. Department of Health and Human Services said during a press briefing Friday. The errors include missing forms, duplicate forms and incorrect information in the applications, such as wrong information about an applicant's marital status, said Julie Bataille, communications director for HHS Centers for Medicare and Medicaid Services (CMS). While the software bugs leading to the errors have largely been fixed, as many as 10 percent of insurance applications may still have errors and consumers who have used HealthCare.gov to buy insurance and have concerns that their applications haven't been processed or have errors should contact their insurers, Bataille said."

157 comments

  1. An internal investigation by game+kid · · Score: 0

    An internal investigation into the magical healthcare.gov form errors ended when they noticed several changes attributed to "Yiuf, Crazy".

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    You can hold down the "B" button for continuous firing.
  2. Re:Human error by Anonymous Coward · · Score: 1

    Well, the numbers are meaningless without context. What is the percentage of normal insurance forms that have errors on them?

  3. If you like your errors by Cornwallis · · Score: 5, Funny

    You can keep your errors.

    Period.

  4. Re:Human error by wonkey_monkey · · Score: 2

    An estimated one in four user applications sent from HealthCare.gov to insurance providers have errors introduced by the website

    --
    systemd is Roko's Basilisk.
  5. Re:Human error by sumdumass · · Score: 1

    It's my understanding that this is happening with no user error at all. It's as if they load all the information into a database then when you select a plan, it retrieves the information and places what it thinks it needs on the forms it thinks it needs and that is where the errors are occurring. So it would actually be the website's problem as it attempts to collect the information and place it into the application forms as needed and failing there.

  6. Re:Human error by gl4ss · · Score: 1

    I don't think users can make the system to send duplicate form pages.

    problem is with the way it sends the info to the insurers.. it's like faxing them over email.

    oh and a fairy simple fix would have been while at it to overhaul the whole system. why? so that it doesn't matter to the "basic care for everyone rates" at all what your marital status is or if you were born in compton. for extra insurances you could then visit the insurers.. but hey,if it's worth being proud of a country where it matters into which family you were born then fuck it I suppose - because that's what private healthcare does.

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    world was created 5 seconds before this post as it is.
  7. Re: Human error by Pichu0102 · · Score: 1

    Strange, TFA as well as the summary seem to imply that the users are entering faulty information into the forms or failing to enter any information into some forms, and that is what is causing the problems.

  8. Data In, Garbage Out by davide+marney · · Score: 4, Informative

    By this point, I think people generally understand that Healthcare.gov is to be avoided if at all possible. This system of systems is a monster (reportedly 500 million lines of code at 60-70% completion), and it's probably too big to test -- testing might take longer than it took to write, i.e., the QA death spiral.

    The only reason to use the exchange is to get a subsidy. If you are a normal taxpayer who won't qualify for one, go off-exchange.

    Or, join a religious health care pool, which are medical cost-sharing plans that are exempt from the law.

    --
    "We receive as friendly that which agrees with, we resist with dislike that which opposes us" - Faraday
    1. Re:Data In, Garbage Out by Anonymous Coward · · Score: 0, Troll

      By this point, I think people generally understand that Healthcare.gov is to be avoided if at all possible.

      Uh, the enlightened voters tried that. About 5 years ago.

      And apparently he didn't fuck up the country enough the first time around, so those of you voting based on everything but his performance gave him another chance to permanently fuck it up.

      Guess you better Hope the government allows you to keep some Change to take the bus ride home, since you had to sell your car to afford the messiah's insurance.

      And to every person out there who feels that a woman leading the country will magically make it all better and wants to vote for the vagina, perhaps you'll wise up about voting blindly now. It can get worse. We knew it would. About 5 years ago.

    2. Re:Data In, Garbage Out by Charliemopps · · Score: 1

      You can still get the service by calling in.

      I will never do that however, because there's no way I'm giving the US federal government any of my medical information voluntarily. Though, they likely have it all already anyway.

    3. Re:Data In, Garbage Out by SuricouRaven · · Score: 1, Interesting

      Just don't depend on actually getting any money out from the religious health care pools. Unlike actual insurance companies, they have no legal obligation to pay at all. They also tend to happily take your 'donation' each month, but when you actually need to make a claim they'll decide your behavior is too sinful and kick you out. The main insurance industry is quite dodgy enough when it comes to finding excuses to avoid paying out - religious 'cost sharing' agencies are even worse.

    4. Re:Data In, Garbage Out by Anonymous Coward · · Score: 0

      Run for office yourself if you're so bloody brilliant. It's harder than it looks.

    5. Re:Data In, Garbage Out by Oligonicella · · Score: 0

      Bullshit. Simple bullshit.

    6. Re:Data In, Garbage Out by ganjadude · · Score: 3, Informative

      really?because I am going to have to pay 2X more for a plan that is about 1/2 as good as what I had prior.

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      have you seen my sig? there are many others like it but none that are the same
    7. Re:Data In, Garbage Out by ganjadude · · Score: 2

      Any citations? In my area the churchs tend to help the poor and needy (all denominations from buddist to christian as well) WAY more than the government does.

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      have you seen my sig? there are many others like it but none that are the same
    8. Re:Data In, Garbage Out by Anonymous Coward · · Score: 0, Interesting

      That is an interesting anecdote. My plan has no changes at all. Supposedly, the plans that are changing didn't cover a minimum amount of stuff. It can be argued that some people didn't want to have that coverage - but then again, those same people would be using the emergency room and having my taxes pay for it when their paltry coverage didn't cover their illness. They could be lying to us - but that is what we've been told. Having seen some of the choices people have made about "oh, I don't need much insurance as I never get sick" - I tend to believe what they told us.

    9. Re:Data In, Garbage Out by Bartles · · Score: 1

      And I'm paying 250% more for inferior insurance, also on the individual market.

    10. Re:Data In, Garbage Out by ganjadude · · Score: 1

      true In some cases that seem to be the norm, In my case, I will have a higher deductible a lower max payment and a higher copay then I have now. I am in NY so we actually have the local exchange vs the fed exchange. what I do have an issue with is the government telling me whats best for me. I dont know how you can believe the government when it seems as if every day we catch them in a new lie.

      --
      have you seen my sig? there are many others like it but none that are the same
    11. Re:Data In, Garbage Out by 140Mandak262Jamuna · · Score: 1
      Yes, Bartles, you are also taking a huge risk because the old insurance company could drop you anytime. And most likely, when they do drop you, you would have pre existing conditions at that point and found it impossible to get coverage at any price. Of course you were free to take such risk.

      That is the problem talking about insurance based on anecdotes. Insurance is statistics, actuaries and collections. People like you who are willing to take the risk rake up bills that are denied by insurance companies. And half the people who file for bankruptcy due to medical costs, have had health insurance. Except the coverage was inadequate or was not renewed. And who picked up those costs my friend? It is us, who were in other plans, our premium went up because of people who were taking risks far beyond reasonable levels.

      In the end, it would have been nice, if we could come up with a system that would saddle all costs of your bet going bad to you. But we don't have such a system. It would be nice, if the free market supporting Republicans came up with a system that would allow people to take such risks, and face the consequences when their bets go bad. But there is no political appetite for it. Yes, it is true, a large number of Republicans shouted "YES" when asked "should people without health insurance die if they get sick?" in the 2012 Republican primaries. But they are such a microscopic minority of even the Republican party. It is far easier to let the other guy go on stage and criticize the action.

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      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    12. Re:Data In, Garbage Out by SuricouRaven · · Score: 1

      I can find some anecdotal horror stories, of course. But we both know anecdotes are worthless.

      The best known of the pools is probably Medi-Share. From a website sympathetic to their position, http://christianpf.com/christian-health-insurance-alternative/

      - You must adhere to living a strict Biblical lifestyle in order to maintain your membership. Not doing so can get you expelled from the program and will likely nullify any claims you may have as well.
      - 'For example, she told me a story of a member who was in a bad car accident requiring lots of medical work, but since the person was intoxicated when they got into the accident, the expense was not covered by Medi-Share.'

      Roughly, they don't provide coverage for what they consider 'consequences of sin' - but define that quite broadly. I can't find the site any more, but I've read before of a person diagnosed with liver failure who medi-share wouldn't by out for - they judged his illness to be a consequence of excessive alcohol consumption. Similarily, they'll refuse to pay for pregnancy-related costs if the pregnancy is out of wedlock - and, while every parent likes to think their little angel of a daughter would never have premarital sex... teenagers do things like that. Similar again for smoking-related diseases - even if you quit smoking years ago, don't count on them to pay when you are diagnosed with lung cancer.

      Also, I'd ignore the comments on that site. Given that every almost single one is heaping glowing praises upon the organisation, I'm guessing the site moderator has been selective in what gets through. No company can possibly be that perfect, religious or otherwise.

      They are on the rise right now because, even though not considered legally insurance for most purposes, they do qualify under the new mandate - and, as they are very lightly regulated and don't cover routine checkups, they can be a lot cheaper than any conventional insurance provider. Thus a lot of people who were previously uninsured find Christian not-insurance to be the cheapest option.

      If you just want the anecdotes and horror stories though, here's one:
      http://www.foxnews.com/politics/2011/02/26/christian-medical-plans-pass-health-law-despite-consumer-complaints/
      That's from Fox News, so you'd imagine their bias to be in favor of the Christian not-insurance. If even they condemn it, you can be sure something is fishy.

    13. Re:Data In, Garbage Out by NicBenjamin · · Score: 1

      One thing I've noticed about the government is that it's the only sector where people routinely attribute lies from one bit of the sector to everyone else. In other words if the NSA lies about something people will say that the New York Health Exchange's credibility is shot, but if McDonald's does it everyone goes "at least Burger King is honest." This is remarkably silly because the NSA has nothing to do with New York state government, or healthcare; but if MickyD's thinks it can get away with a lie it's probably because BK is already doing that shit and nobody cares.

      I suspect you'll ultimately get a better deal do to simple math: prior to Obamacare insurers could spend whatever they wanted on BS that isn't healthcare. In the small group and individual markets marketing/administration/etc. routinely gobbled up 30% of your health care dollar. Now they can't be quite that profligate. BS is capped at 20%. Therefore if you're sending them more money, most of that more money HAS to be spent on healthcare for somebody, and since you're getting older it's highly likely you will be that somebody soon enough.

      What'll probably save you is that a plan like that sounds too good to be true, which probably means there was some "but" in the fine print which would allow them to drop your ass as soon as you got expensive.

    14. Re:Data In, Garbage Out by NicBenjamin · · Score: 1

      You can still get the service by calling in.

      I will never do that however, because there's no way I'm giving the US federal government any of my medical information voluntarily. Though, they likely have it all already anyway.

      This isn't a traditional insurance application. Since insurers can't jack up your rates because you had a medical problem when you were 12 the website doesn't ask about your medical history. The medical info they ask for is limited to your age.

      Which they already know, because that's on your Social Security records, your birth certificate, your driver's license, your income tax form, etc.

    15. Re:Data In, Garbage Out by NicBenjamin · · Score: 1

      Really?

      I live in an areas that has a mix of wealthy religious people of numerous faiths, and low-income people. The religious institutions around here do a lot of relatively cheap stuff that is easy to tell people about like soup kitchens, thanksgiving turkeys, and financial literacy classes. Raising $10k isn't hard for a faith group, using it to buy a bunch of turkeys is even easier, and it looks really good in the Parish Newsletter. But feeding those families all year is just no within their budget. The government does the shit that cost real money.

      For example, WalMart is a madhouse early in the month because that's when the Feds fund the BridgeCard. Several times people in front of me have used WIC to pay for food, which is a real process. The BridgeCard is much simpler -- on the backend it has to be more complex then a debit card because it can only be used to pay for certain non-alcoholic food items, but to the end-used it's a debit card. Many of my neighbors are on section 8. Most of the ones who aren't are on the waiting list. Nobody talks about waiting lists for rental assistance programs from faith groups. Everyone has terrible teeth because Ohio medicaid has no dental coverage. No faith group has a dental office to cover the gap.

    16. Re:Data In, Garbage Out by ganjadude · · Score: 1

      that is a possibility. but what I dont like is I now am FORCED to pay for terms that I dont agree with nor want. I as a male, do not want to pay for breast cancer screenings as one example. There is no reason I should be paying a higher rate due to services I will never use.

      --
      have you seen my sig? there are many others like it but none that are the same
    17. Re:Data In, Garbage Out by Bartles · · Score: 1

      That's funny, the old insurance companies never canceled my insurance until the ACA came along. I can't really see how the rest of what you said is relevant to anything. It's all just a hypothetical mishmash that devout leftists use to demonize an industry they are attempting to destroy and rebuild in their own vision. If a bunch of people get hurt along the way, then so be it.

    18. Re:Data In, Garbage Out by Bartles · · Score: 1

      Insurance companies generally only ask for a 10-year medical history when applying for insurance. If you are 23, what happened when you were 12 usually wont affect anything.

    19. Re:Data In, Garbage Out by 140Mandak262Jamuna · · Score: 1

      You are being subsidized by the women in your pool. Contraceptives and breast cancer screenings are cheap compared to the cost of treating hyper tension and heart attacks are typical male diseases quite rare among women, especially under 50. If you split the under 50 age group into males and females, males will pay a higher rate. Women can get hyper tension and heart attacks but it is much less compared to the males. Have you wondered why female life insurance rates are lower that of males?

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      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    20. Re:Data In, Garbage Out by 140Mandak262Jamuna · · Score: 1
      So far you have not file any large claim [*], and so you really don't know they would not cancel your policy or refuse to pay for care. You might be willing to take huge risks, but there is no way to limit the loss of the bets going wrong for large number of people to just themselves. We are the ones left to pick up the pieces when things blow up on the faces of such people. So we have decided to force you pay for reasonable coverage.

      [*] One thing I must concede is that, you are not taking the attitude of "heck, no one can check, so let me just say I filed large claims and they paid". You have that integrity, I appreciate that. People with such levels of ethical standards would not reject reasonable proposals. I really believe if you listen to the arguments from the people who disagree with you, people with better communication skills than I have, you might be persuaded to reconsider your positions.

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      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    21. Re:Data In, Garbage Out by ganjadude · · Score: 1

      I understand all that but all im saying is I want choice, I want to decide what level of insurance I want, I dont believe it should be as complecated as it has been in the past nor as horrible as this coming out

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      have you seen my sig? there are many others like it but none that are the same
    22. Re:Data In, Garbage Out by Bartles · · Score: 2

      You're really hung up on this idea that insurance companies never pay out. People that I know who have had to file large claims, generally have not had a problem. I have a friend who was in a motorcycle accident and never had to even look at a bill. Later on he discovered that his insurance company had paid more the 400K for his hospital care. ICU, surgeries, follow-ups. Be careful that you are not unfairly maligning a system, to reach an end result that you find favorable.

    23. Re:Data In, Garbage Out by 140Mandak262Jamuna · · Score: 1

      I have heard enough horror stories too. It all depends on the credit worthiness of the underwriter. Your premium is way below the market rate. If you believe in free markets, then you should figure out why the competitors are not lowering the premium. There is a catch. You should know what it is.

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      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    24. Re:Data In, Garbage Out by 140Mandak262Jamuna · · Score: 1
      Thanks for adding it should not be as complicated as it had been. Too often people compare Obamacare to what a perfect system should be and find it wanting.

      It is not as horrible as most people think. Take all the brouhaha about religious institutions having to or not having to pay for contraceptives. Technically contraceptives are cheaper than Ob-gyn. Dropping contraceptive coverage should trigger additional premium for these institutions. Adding you to the pool with mammogram and pregnancy coverage lowers your premium. Are you complaining you don't have the choice to pay a higher premium? Are you complaining women are forced to pay for diseases that affect men more like prostate cancer, heart attacks and hyper tension?

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      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    25. Re:Data In, Garbage Out by Anonymous Coward · · Score: 0

      In my personal shopping in the individual market, maternity coverage added a couple hundred bucks a month to my family's bill. Basically it was roughly equal to the cost of having a Cesarean delivery every other year. And that is with a $5k per person deductible and a max out of pocket for the family of $9,500. Your notion that women cost less to cover sounds nice, but the market doesn't seem to agree.

      Also, living longer means more end-of-life care, which is the most expensive kind. Not sure how that comes out in the wash because there was no "end of life care" option on the health insurance.

    26. Re:Data In, Garbage Out by 140Mandak262Jamuna · · Score: 1
      When you were on the individual market, pre Obamacare, it was a free for all like wild west. Very difficult to compare plans offered by competing vendors. Most people could not even see the offering from competing vendors. It was like the days of booking airplane tickets through travel agent. I am curious, were you actually able to compare packages from different vendors, like you are able to do under Obamacare? Or did you have just "trust" something your agent tells you?

      But anyway the correct thing to compare is not "adding maternity coverage to a family policy". You should compare the cost of male, under 50 individual, no maternity, no breast examn, no pap smears with the cost of under 50 female. Under 50 female group, because of the low incidence of heart diseases had much lower premium than under 50 males despite having contraception, breast examns, pap smears and maternity coverages. Check it out.

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      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    27. Re:Data In, Garbage Out by quantaman · · Score: 1

      I'm not sure this is the case. My understanding is that a lot of the broken forms came from earlier in October and November when the site was still very broken. I think this was a mistake, the only excuse I can think of for leaving the site online in that state was they were hoping to speed up the development through live testing, but it lead to a lot of bad data getting into the system and those people getting used as guinea pigs.

      But at this point the errors are largely fixed, I'm sure some still exist but it sounds like the site is pretty functional at this point.

      --
      I stole this Sig
  9. Compared to what? by dutchwhizzman · · Score: 2

    Is this after correcting against how many would have errors if they were filed directly? I'm willing to bet that direct applications contain a similar number of inaccuracies, so what's the news here?

    --
    I was promised a flying car. Where is my flying car?
    1. Re:Compared to what? by swb · · Score: 3, Informative

      I've only had to fill out paper health care forms a couple of times, but it's really easy to see how those confusing monsters can be filled out erroneously by the form filler, and then of course there are the transcription problems when forms get computer entered, either by drones in a coding center or by HR people.

      What's wrong with this in comparison though, is that when the end-user uses a web site you would assume there is error checking of form logic (ie, if I fill box A and B it should be able to tell if I need to fill out box C). There's still the problem of factual error by the user but that's harder to detect.

      The problem here though seems to be the data stored is erroneous due to problems with the code, not due to user error.

    2. Re:Compared to what? by NicBenjamin · · Score: 2

      Keep in mind that in theory Healthcare.gov should be simpler then those monsters. This is because a) Healthcare.gov is not intended to be so confusing that people fuck it up (many "cheap" plans intentionally confuse people, take their premiums, and then throw them off as soon as they file a claim because the application was wrong), and b) it is not supposed to get any info from you except your age and address. The only other info it should need is income info, and in theory that's coming from the IRS.

      That's probably why the site was relatively easy to get working in a month even tho a bunch of idiots fucked it up. If you read the article carefully you'll note that the post-relaunch error rate number is under 1%.

  10. Re: Human error by sumdumass · · Score: 5, Informative

    An estimated one in four user applications sent from the U.S. Department of Health and Human Services' HealthCare.gov to insurance providers have errors introduced by the website,

    Introduced by the website seems to imply they are because of the website. Both the article and summery say that.

    Now from what I have been told, you don't fill out specific forms. You enter specific information into the website and it fills the forms out for you based on the plans you pick. It is supposed to stop you from filling forms out incorrectly or getting confused on wording and so on. It also allows you to do direct comparisons without having to fill 20 forms out for 10 different providers offering 2 plans each.

  11. Re: Human error by Pichu0102 · · Score: 1

    Oh, my mistake then. I was under the impression that the end users filled out forms on the website, and were missing some or incorrectly filling them out, leading to an error.

  12. All I have to say by will_die · · Score: 1

    Better them than me. Talk about an ugly technical job.

  13. Re: Human error by Anonymous Coward · · Score: 1

    Strange, TFA as well as the summary seem to imply that the users are entering faulty information into the forms or failing to enter any information into some forms, and that is what is causing the problems.

    Failed reading comprehension in elementary/primary school didn't you? The summary and article both state the erroers have been caused by the Healthcare.gov system not the health insurance applicants.

  14. Re: Human error by PolygamousRanchKid+ · · Score: 2, Funny

    Oh, my mistake then.

    "If you like your mistake, you can keep it."

    Obamacare was rushed out, without any testing, and it's a new application for them. Of course it will have all the hallmarks of a version 1.0 release . . . like plenty of errors. Most wise IT folks always wait for the second or third release of a product before using it.

    Except with Obamacare, it's the law that you have to use the 1.0 buggy release.

    --
    Schroedinger's Brexit: The UK is both in and out of the EU at the same time!
  15. Re: Human error by DigiShaman · · Score: 1

    It's not even v1.0 yet. It's still in alpha stage at best!

    --
    Life is not for the lazy.
  16. Mission Accomplished... by Anonymous Coward · · Score: 0

    I can picture the big white banner right now as we speak - "Mission Accomplished - Affordable Healthcare is Now Online".

    Yeah, sure only a few billion down the toilet on a web site and kickbacks to key supporters, but its the same idea.

    The only difference is that no liberal think tank is going to keep a tally on the impact of this debacle of a law.

    1. Re:Mission Accomplished... by NicBenjamin · · Score: 1

      Two points:

      1) This is a long-term program, not a short-term war. Social Security/Medicare/etc. all had some disasters at roll-out. Once the disasters were fixed the program started running and have kept running pretty much unchanged. OTOH, the whole point of winning a war is that the war ends. the government program funding said war gets to go away, and everyone goes home.

      2) Don't worry. There are plenty of conservative think-tanks in DC. There're probably more conservative think-tanks then liberal ones because a) conservative activists don't want to work for anything but a think tank, a campaign, or the policy staff of a right-wing elected official (OTOH liberal activists will happily take jobs in Academia and/or the government) and b) conservative donors think that non-think-tank sources of info are biased against conservatives therefore they give the Heartland Institute big money donations.

      As for the "kickbacks," you're quoting something that is totally made-up. The company that designed the website gave as much to the Romney as Obama.

  17. FUD in, FUD out by DogDude · · Score: 2

    By this point, I think people generally understand that Healthcare.gov is to be avoided if at all possible. This system of systems is a monster (reportedly 500 million lines of code at 60-70% completion), and it's probably too big to test -- testing might take longer than it took to write, i.e., the QA death spiral.

    I fail to see what a large codebase has to do with end users using or not using it.

    The only reason to use the exchange is to get a subsidy. If you are a normal taxpayer who won't qualify for one, go off-exchange.

    Why wouldn't somebody want to compare plans and prices available off-exchange with those in the exchange, exactly?

    --
    I don't respond to AC's.
    1. Re:FUD in, FUD out by Oligonicella · · Score: 2

      I fail to see what a large codebase has to do with end users using or not using it.

      It isn't completely written yet, much less tested. In other words it doesn't, and with that large of code base in this state won't, work (see IRS).

      Why wouldn't somebody want to compare plans and prices available off-exchange with those in the exchange, exactly?

      They're incorrect plan and price quotes? They make you enter your vitals before you can compare? Just two reasons off the top of my head.

    2. Re:FUD in, FUD out by DogDude · · Score: 1

      It isn't completely written yet, much less tested. In other words it doesn't, and with that large of code base in this state won't, work (see IRS).

      Who cares? People are still getting signed up for health insurance. Isn't that the whole point of this project?

      They're incorrect plan and price quotes? They make you enter your vitals before you can compare? Just two reasons off the top of my head.

      So instead of possibly getting incorrect (or correct information), it's a better idea to just continue not having health insurance? Really?

      --
      I don't respond to AC's.
    3. Re:FUD in, FUD out by davide+marney · · Score: 1

      Going "off-exchange" doesn't mean not having health insurance, it means not using the exchange to buy health insurance. You can buy health insurance direct from insurance companies, but subsidies are only available via the exchange. Thus, if you don't need a subsidy, you don't need to risk using the exchange.

      --
      "We receive as friendly that which agrees with, we resist with dislike that which opposes us" - Faraday
  18. They seem to have their priorities correct by 140Mandak262Jamuna · · Score: 4, Insightful
    The healthcare.gov website is being maligned more than it deserves to be. Buying healthcare is not going to be as easy as buying iTunes, or even booking hotels. Further it did not have the option of growing slowly with extensive beta period. How many years Gmail was in beta, don't we remember? Add to it the complexities of providing subsidy, that requires income verification, that requires ... And the majority of the users it targets are from the demographic that is least likely to be familiar with internet and least likely to be educated.

    We don't have to excuse them, we can demand they anticipate these things and provide for it. They seems to have an idea of these issues, with their plans to create a cadre of "navigators" to help people with internet access and web site help. But the plan and law was heavily politicized, 36 states refused to set up their own exchanges and dumped all of them on the federal exchange. Millions of people who would have gone to medicaid are dumped into exchanges because they refused to expand medicaid.

    No doubt there were self inflicted wounds. Politicians scared of people getting sticker shock, insisted on disabling the window shop and see full price option at roll out, That was the root cause of disaster. The first thing the "tech surge" did was to enable window shopping. It was enabled as early as Oct 15, I tested it then, They could not have done it that soon if it was fresh code. Window shopping was the original code, They just disabled the meddling by the politicians and went on the original code path.

    Still they are doing it in the right order. Get people to commit to a plan before the dead line. Errors on the back end can be sorted out when they actually file claims,

    --
    sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    1. Re:They seem to have their priorities correct by Oligonicella · · Score: 5, Insightful

      But the plan and law was heavily politicized

      Yes sir, it was. Remember "We'll have to pass the law to see what's in it"? After that, every excuse is moot.

      Half a billion dollars.

    2. Re:They seem to have their priorities correct by khallow · · Score: 2

      But the plan and law was heavily politicized, 36 states refused to set up their own exchanges and dumped all of them on the federal exchange. Millions of people who would have gone to medicaid are dumped into exchanges because they refused to expand medicaid.

      This is just a straightforward exercise of self-interest at the US state level. It's not the individual state's job to cover inadequacies in federal law or shoulder the costs for their implementation.

      Still they are doing it in the right order. Get people to commit to a plan before the dead line. Errors on the back end can be sorted out when they actually file claims,

      Can be != will be. It's worth noting here that filing a claim indicates that you will cost an insurance company money. If they then can find an error in your application that let's them selectively disqualify you after the fact, there would be considerable incentive to do so.

    3. Re:They seem to have their priorities correct by Anonymous Coward · · Score: 0

      This is just a straightforward exercise of self-interest at the US state level. It's not the individual state's job to cover inadequacies in federal law or shoulder the costs for their implementation.

      Which is why the US federal government is working hard to reduce individual freedoms, following suit of other civilized developed societies who have figured out that this whole self-interest thing just isn't really worth the hassle.

      I think it's time you "self-interest" people wake up and realize that you're on the wrong side of civilization.

      Now now, I'm not saying you have to change your beliefs and join the rest of civilization. I do not wish you harm or death for holding a different belief than the rest of civilization (though I know the more radical members of society will not be so kind). I'm just saying you are not on the side of civilization; the side that gets to stay where they are.

      No, you're on the other side. You're the outcasts, the freaks, the people whom civilization rejects. You're the ones who will have to leave civilization and find a place for yourselves. You're like the old colonists who had to leave the Old World for the New. "But it's my home/country, those other people should move not me!". That's exactly the type of thinking you need to give up on. Your home/country doesn't love you the way you love it. In fact it tries very hard to abuse you. Drop the patriotism. Stop being a battered wife.

    4. Re:They seem to have their priorities correct by 140Mandak262Jamuna · · Score: 1, Flamebait
      No matter how flawed the law is, no matter how expensive it is going to be, no matter how many fumbles the administration makes, there is this huge hunger for healthcare by a very large section of America. Mostly poor, mostly concentrated on the Red states. Democrats are dangling this carrot in front of them. Republicans are squarely between this stampeding crowd and the carrot they are chasing.

      But don't despair, Democrats fumbled by not ramming down single payer or medicare for all, that would have been much simpler to implement. You are going to see the Republicans threading the needle to switch their stand from "repeal" to "fix it". More and more employers are going to follow the lead of Walgreens and Sears. Give a fixed sum of money to their employees and get out of managing a group plan, as Walgreens and Sears have announced already. You will be shopping in the exchange and demanding ACA to be expanded in the coming years my friend. Churches are going to discover they could, for ridiculously small donations from their wealthier congregants, pay the premium for the poorer congregants and "lock" them into their church instead of the competing church. Fundamentally Christianity is socialistic in its ideals. It is an historic anomaly that Church is aligned with the capitalists and not marxists. It will get corrected eventually. Hospitals and providers are going to lobby their state governments to get their hands on the federal money by expanding medicare.

      It is going to be very difficult for the Republicans to stand on the side lines and praying for the failure of the program. It ain't gonna happen.

      --
      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    5. Re:They seem to have their priorities correct by 140Mandak262Jamuna · · Score: 0

      What? Flamebait? Pity, whoever modded it flamebait would not be able to post a follow up explaining why.

      --
      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    6. Re:They seem to have their priorities correct by Anonymous Coward · · Score: 1

      The healthcare.gov website is being maligned more than it deserves to be. Buying healthcare is not going to be as easy as buying iTunes, or even booking hotels.

      You can't buy health care from healthcare.gov. They deal with health insurance, which is a completely different issue than health care.

      I can go to any doctor or hospital and buy all the health care I desire without a shred of health insurance. I can also buy all the health insurance I desire and still not get the health care I want.

      Quit conflating the two issues - they're entirely different and independent things. It's as ridiculous as thinking that the ability to buy auto insurance is the reason someone can acquire the car that they want.

    7. Re:They seem to have their priorities correct by Anonymous Coward · · Score: 0

      The healthcare.gov website is being maligned more than it deserves to be. Buying healthcare is not going to be as easy as buying iTunes, or even booking hotels. Further it did not have the option of growing slowly with extensive beta period. How many years Gmail was in beta, don't we remember?

      How many years did Gmail report me to the IRS for not using it?

    8. Re:They seem to have their priorities correct by kesj · · Score: 3, Interesting

      According to the Boston Globe this morning, Massachusetts' (you know the state that was the model for the PPACA) Health Connector website has not enrolled a single person since it was revamped to support Obamacare at a cost of $69 million. The entire infrastructure to support the PPACA is apparently riddled with problems that impact not only healthcare.gov but the sites created by states that choose to implement their own. In Massachusetts, 100,000 people have been told their insurance which was in compliance with the state's Minimum Credible Coverage standard aren't good enough now and they need to choose a new health insurance through the non-functional site as the Governor Patrick's administration is not allowing them to remain on their existing policies.

    9. Re:They seem to have their priorities correct by NicBenjamin · · Score: 1

      Still they are doing it in the right order. Get people to commit to a plan before the dead line. Errors on the back end can be sorted out when they actually file claims,

      Can be != will be. It's worth noting here that filing a claim indicates that you will cost an insurance company money. If they then can find an error in your application that let's them selectively disqualify you after the fact, there would be considerable incentive to do so.

      Two points:
      1) This is just wrong on a financial level. There's actually a mechanism so that insurers who pay out more claims due to insuring higher cost customers get paid from the guys who benefited from having low-cost customers.

      2) Healthcare.gov does not take any of your info but your age and address. They could dump you if you lie about which County you live in, but the whole "let's throw him off because he said he'd gotten the sniffles once and he'd gotten them twice" racket is now impossible.

      In other words I humbly thank you for demonstrating why we needed ObamaCare in the first place.

    10. Re:They seem to have their priorities correct by 140Mandak262Jamuna · · Score: 1
      Selling insurance across state lines is a good idea, but we should make sure it does not trigger a race to the bottom, companies shopping for lax enforcers.

      Look at credit card companies, why are they all headquartered in Delaware? Why are they charging 40$ late fees and two cycle finance charges? Before the federal truth in lending and disclosure laws were enacted, how much they got away with? Basically Delaware is more interested in protecting their credit card company jobs rather than protecting your rights as a credit card consumer. If you really want to hear horror stories and abuse bordering in illegality, listen to the merchants. The Visa Mastercard duopoly is making the merchants pay the same commission whether the money is coming out of checking/saving accounts (debit cards) or via totally unsecured loans advanced by the credit card companies. This is where you would be with insurance across state lines without a standard comparable package and federal minimum standards. Now that they are there, thanks to ACA, there is no need to prohibit it. In fact federal government can set up a health insurance regulator and companies coming under that agency's jurisdiction should be able to sell in all fifty states.

      Tort reform is unconnected to ACA. There is no reason to do tort reform and ACA.

      --
      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    11. Re:They seem to have their priorities correct by davide+marney · · Score: 3, Informative

      Still they are doing it in the right order. Get people to commit to a plan before the dead line

      I think you've missed the point about having a 25% error rate. That means 25% of the people who used the exchange will have thought they selected a plan, but in reality, they didn't. They may think they have insurance, but don't.

      So, the correct order would be to do the backend first, which makes sure that people actually get insurance, then fix the pretty front end. Fixing the pretty front end first actually makes things worse because it increases the number of people who will be hurt by the errors.

      --
      "We receive as friendly that which agrees with, we resist with dislike that which opposes us" - Faraday
    12. Re:They seem to have their priorities correct by Bartles · · Score: 1

      How's that strategy working out for ya?

    13. Re:They seem to have their priorities correct by Bartles · · Score: 1

      Obviously you have not applied for enrollment. It asks for a hell of a lot more than age and address.

    14. Re:They seem to have their priorities correct by Bartles · · Score: 1

      They are not entirely different and independent things. All you have to do is look at the reasons that were given before and after the law was passed. It was wholly insinuated that the ACA would improve care for many. It's is naive to think that completely restructuring the financing system for health insurance won't affect the health care itself. After all, it is the insurance that pays for the care.

    15. Re:They seem to have their priorities correct by 140Mandak262Jamuna · · Score: 1
      Why flame bait? I am still raking my brains about it. Is it because I called the Christians socialists?

      Well, I would not win the third prize in the Scripture Knowledge, something even Betram Wooster could. But I do know that the last sermon on the mount of Olives by Jesus basically said, "Those of you who gave food, clothed, cared for, bailed out (yes bailing out of jails is in that list) those of you who were the least fortunate did those things to me, so you guys get to go to heaven. Those of you who did not, you guys go to hell". If that is not socialism what is? Even the Pope agrees with that statement.

      Of course some Christians claim that charity should be done voluntary without coercion from the government. Reminds me of Romney's "self deportation solution". But anyway if enough Christians practiced that part of the religion without coercion voluntarily, there would not be 40 million uncared for hungry poor people in this country.

      --
      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    16. Re:They seem to have their priorities correct by Anonymous Coward · · Score: 0

      it is the insurance that pays for the care.

      No it's not. To claim so is to completely misunderstand the concept of insurance is in the first place. No doubt it is this complete misunderstanding of insurance that is leading almost everyone to conflate health *insurance* with health *care*. Two completely different things. Just because the 2 concepts *sometimes* intersect at one point doesn't make them the same thing. They are not even mutually inclusive concepts - both health *insurance* and health *care* can exist without the other.

    17. Re:They seem to have their priorities correct by NicBenjamin · · Score: 1

      Was any of it medical? The site is supposed to ask for three things: your address (to find out which policies are available in your area), your age (because insurers can charge older people more), and a bunch of financial info (your current policy, income, options offered by your employer, current income, etc.) to determine whether you're eligible for tax subsidies. Khallow was talking about that fun thing insurers do where they demand a 15-page medical history, and then throw you off your insurance because you said you'd gotten antibiotics twice and they found three prescriptions. The only info that could be used that way is the age/address info.

      I'm not saying that lying about the shit in that third group is a good idea. Messing with the IRS (who administer the subsidies) is never a good idea. But it ain't gonna get your insurance cancelled.

    18. Re:They seem to have their priorities correct by martin-boundary · · Score: 2

      It was Wrong for Gmail to be "in beta". It was a weasel word to get people like you to forgive the issues for no good reason. A beta program is one where you have a fixed small number of testers who use the software in exchange for giving you detailed feedback on remaining bugs and usability. It's not a label you should leave on the software once you have actual users who expect to use it in their day to day activities. Especially if you expect them to agree to an EULA before doing so.

    19. Re:They seem to have their priorities correct by khallow · · Score: 1

      No matter how flawed the law is, no matter how expensive it is going to be, no matter how many fumbles the administration makes, there is this huge hunger for healthcare by a very large section of America.

      So what? No matter how much "hunger" is out there, there is no such thing as a free lunch.

      It is an historic anomaly that Church is aligned with the capitalists and not marxists. It will get corrected eventually.

      Your weird obsession with the "Church" is why you got modded "flamebait". There is no one Church. Nor is Christianity the only religion out there. And there are splinter sects of Christianity that do support some degree of Marxist tenets. That doesn't help Marxism perform any better. It also doesn't help that Marxism routinely perceives religion as a competitor to be ruthlessly stamped out.

      OTOH, capitalism just works and has done more to relieve poverty and build wealth than anything else out there.

    20. Re:They seem to have their priorities correct by khallow · · Score: 1

      1) This is just wrong on a financial level. There's actually a mechanism so that insurers who pay out more claims due to insuring higher cost customers get paid from the guys who benefited from having low-cost customers.

      Seriously? If this really is true, then Obamacare is even worse than I expected. We really need built in incentives for insurance companies to make bad decisions.

      2) Healthcare.gov does not take any of your info but your age and address.

      And don't forget considerable financial information - which if materially wrong gives the insurer a pretext for cancellation of the insurance.

    21. Re:They seem to have their priorities correct by 140Mandak262Jamuna · · Score: 1

      OTOH, capitalism just works and has done more to relieve poverty and build wealth than anything else out there.

      You are correct that capitalism has done more to relieve poverty. But the "winner take all, no regulation from the government" is feudalism, not capitalism. Capitalism will deliver the goods only when there is a strong government, strong enough to enforce contracts, strong enough to disrupt collusion and other anti-competitive behavior of the rich and powerful. The day government is weaker than the most powerful individual (or corporation) capitalistic system will degenerate into feudalistic system.

      --
      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    22. Re:They seem to have their priorities correct by khallow · · Score: 1

      Well, why are you even concerned about this in the first place? The public's hunger for free lunch has ended up in the past creating authoritarian governments not corporate feudalism.

    23. Re:They seem to have their priorities correct by mjwx · · Score: 1

      The healthcare.gov website is being maligned more than it deserves to be. Buying healthcare is not going to be as easy as buying iTunes, or even booking hotels.

      Actually, where I live buying health care is that easy. You can go online, get quotes, compare them and when you've picked one, buy it online with no more difficulty than buying a laptop from Dell. There are data mining operations that are thinly disguised as comparison web sites that will compare a bunch of generic quotes for health insurance if you're too lazy to figure it out for yourself.

      But then again I live in one of those evil nations that have universal health care as a minimum standard. If private insurers made it difficult, people would just say "fuck it, I'll stay on Medicare".

      Your problem isn't that this system is in beta, your problem is that insurers dont have a minimum standard that all insurers must exceed in order to get any business. So insurers are free to screw you over as hard as they like.

      --
      Calling someone a "hater" only means you can not rationally rebut their argument.
    24. Re:They seem to have their priorities correct by NicBenjamin · · Score: 1

      1) This is just wrong on a financial level. There's actually a mechanism so that insurers who pay out more claims due to insuring higher cost customers get paid from the guys who benefited from having low-cost customers.

      Seriously? If this really is true, then Obamacare is even worse than I expected. We really need built in incentives for insurance companies to make bad decisions.

      You know why we need Obamacare? Because people seriously argue that they should be rewarded for picking an insurer who turns away chicks with the breast cancer gene with low low rates.

      2) Healthcare.gov does not take any of your info but your age and address.

      And don't forget considerable financial information - which if materially wrong gives the insurer a pretext for cancellation of the insurance.

      How's the insurer even gonna know you lied about the financials? And you do have to actually lie, because it is connected to the iRS database, so it'll remind you how much you actually made.

      If you do lie, you'll get in trouble, but it'll be with the Feds for tax fraud.

  19. My experience by Anonymous Coward · · Score: 0

    I tried to get coverage using the Healthcare.gov website. My state (NH) doesn't have its own site and I found a good on-market plan. I was about to submit my completed application, but noticed an error - the start and end dates were one day off, with it saying to start on 12/31/2013 and end 12/30/2014. Worrying about it, I called the healthcare.gov website help line, they refused to help saying I needed to talk to the insurance company. I tried calling the healthcare company and they confirmed it to be a mistake. I finally called up the healthcare.gov helpline saying I'd like the "advance team" to delete my application, assuming it might be something that could be fixed on a new application, something I now see as a big mistake. I'm now no longer able to login, with it not even giving me an error, just won't login.

  20. Re: Human error by Oligonicella · · Score: 2

    Delta. Remember, there's an entire back end that hasn't even hit testing.

  21. Re:Human error by ganjadude · · Score: 2, Funny

    what you've just said is one of the most insanely idiotic things I have ever heard. At no point in your rambling, incoherent response were you even close to anything that could be considered a rational thought. Everyone in this room is now dumber for having listened to it. I award you no points, and may God have mercy on your soul. ~

    --
    have you seen my sig? there are many others like it but none that are the same
  22. Half a Billion Dollars In, Garbage Out by Oligonicella · · Score: 4, Insightful

    This post is the best example of an apologist with no logic or facts for backup.

    No. They awarded a known incompetent company with a record of bad projects with a non-compete contract. Then they paid them ONE HALF OF A BILLION DOLLARS for a shitty website and aren't asking for a fucking refund.

    1. Re:Half a Billion Dollars In, Garbage Out by 140Mandak262Jamuna · · Score: 0

      As the anonymous coward suggested, run for an office somewhere run something and then complain. It is a lot harder than it looks.

      --
      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    2. Re:Half a Billion Dollars In, Garbage Out by NicBenjamin · · Score: 1

      You got a link to that $0.5 Billion cost?

      Snopes.com just did a piece on the amount of spending on healthcare.gov, and said it was in $150 million range plus whatever they spent last month.

  23. Not enough info to judge... by NicBenjamin · · Score: 1

    Part of the 25% error rate is apparently the Feds double-sending a form. That's not a good thing, but it's not like the insurer can't do it's job just because it has two identical copies of one of your forms. If the forms are different, and include important info, the double-copies could be a huge problem, but the article doesn't give us any way to tell how many of these 25% error are actually errors vs. how many are conservatives in the insurance industry bitching that their guy got whipped in November of 2012.

    More importantly the data is old. There were 834 errors in forms sent prior to the big relaunch, which works out to a 25% error rate, and indicates that roughly 3,336 actually managed to get the website to tell them it worked in October/November; but pretty much the entire reason we had a relaunch was that the site sucked. The current error rate in the article is 0.77%. It's probable that number will go up, as most of that actual humans who've used the site haven't sen the copies of the forms sent to the insurance companies yet, maybe by an order of magnitude (ie: 8% error rate), but so far the relaunched website seems to be doing OK.

  24. Re: Human error by jbengt · · Score: 1

    Except with Obamacare, it's the law that you have to use the 1.0 buggy release.

    It seems like you are conflating the website with the law. You do have to get insurance, but you do not have to use the website.

  25. Don't use the website by BringsApples · · Score: 3, Informative

    I waited until the last minute because 'fuck the government' right? But when I did call, I got a really nice lady that walked me through the whole process in less than 30 minutes. They basically ask you the questions from the forms (the forms are also available to fill out yourself and mail in. Forms link, and instructions link)

    I have a family of 4 and we'll end up paying $74.00 per month for Blue Cross Silver plan. It's better than what I have right now through Blue Cross, and I've been paying $400 a month for it.

    --
    Politics; n. : A religion whereby man is god.
    1. Re:Don't use the website by BringsApples · · Score: 1, Interesting

      You posted as AC because...?

      The "Just Lie" bit was a tongue-in-cheek swat at how the NSA lied to congress and nothing happened.

      I'm paying less than a thousand dollars for insurance per year. This doesn't include dental (I have a dentist buddy that does work for free) however, and my 2 children are going to be on medicaid (free). So the plan is really just for my wife and I. No lie, we're broke and the government has set things up to where rich folks are paying for the medical insurance of the poor.

      --
      Politics; n. : A religion whereby man is god.
    2. Re:Don't use the website by davide+marney · · Score: 3, Insightful

      OK, you're a "winner" in the health care insurance lottery, congratulations. But realize that the rest of us are the "losers" who are paying not just the cost of our health insurance, but part of yours, too.

      --
      "We receive as friendly that which agrees with, we resist with dislike that which opposes us" - Faraday
    3. Re:Don't use the website by femtobyte · · Score: 0

      If you're so angry about the "winners" getting it so good, then you could easily become a "winner" too --- just go unemployed and go broke. Easy-peasy! Wait, you wouldn't want to do that? You wouldn't want to trade your comfortable life for the "easy time" of being unemployed and impoverished? Then shut up complaining about "losing" --- the vast majority of "winners" would probably be overjoyed to exchange their "winning" for your "losing" situation.

    4. Re:Don't use the website by BringsApples · · Score: 1

      I know what you mean, and trust me, I was prepared for the worst. I'm no fan of the way that they've done it, at. all. I figured that I'd have to pay twice what I've been paying, as was first told to me by Blue Cross. But it ended up that I qualified for a tax credit that lowered the cost significantly.

      I would be pissed if I had to pay $800 per month for health coverage, when I go to the doctor (a total of) 6 times per year for a family of 4. Not to mention I would have had to pay, out of pocket, $3,000 a year before insurance 'starts'. I totally understand, and sympathies with those that are on the "losing" side of this. These prices are ridiculous, and the fact that it's being forced, only serves to amplify. And the truth is, that there are far more "poor" people than there are "rich" people. Simply doubling the cost for the rich isn't going to even out the balance.

      The result will be that people are less likely to want to be a doctor in order to get rich.

      --
      Politics; n. : A religion whereby man is god.
    5. Re:Don't use the website by nico60513 · · Score: 1

      If he didn't have health insurance before, than you were already subsidizing *all* of his medical costs (because uninsured people use emergency rooms and insured people end up footing the bill). Now, with ACA, you may be subsidizing *less* of his medical costs.

    6. Re:Don't use the website by Anonymous Coward · · Score: 0

      I would be pissed if I had to pay $800 per month for health coverage, when I go to the doctor (a total of) 6 times per year for a family of 4.

      People buy insurance so when the unthinkable happens, it doesn't take everything you have, and force you to declare bankruptcy.

    7. Re:Don't use the website by Anonymous Coward · · Score: 0

      OK, you're a "winner" in the health care insurance lottery, congratulations. But realize that the rest of us are the "losers" who are paying not just the cost of our health insurance, but part of yours, too.

      It's not a damn lottery you dumbass. Stop spreading FUD, you should know better considering all the good it did for Linux.

    8. Re:Don't use the website by quantaman · · Score: 1

      OK, you're a "winner" in the health care insurance lottery, congratulations. But realize that the rest of us are the "losers" who are paying not just the cost of our health insurance, but part of yours, too.

      Welcome to a civilized society.

      Here's the deal, people in your country are going to get sick and need medical care and you have two options, 1) let them suffer and die or 2) treat them by taking dollars out of your pocket.

      It doesn't matter how the dollars leave your pocket, taxes or higher insurance premiums, but you're gonna have to pay.

      Thing is I expect the ACA will lead to you paying less in the long term since some of the people paying now will have been freeloading before. As a youth you'll pay more by being grouped with older people, but when you age you'll recoup that and more.

      --
      I stole this Sig
  26. Re:Human error by NicBenjamin · · Score: 0

    That is true.

    Unfortunately for those bitching about the website the error-rate the article's talking about is entirely from the pre-relaunch period. The data they have on the post-relaunch website is a 0.77% error rate.

  27. Expensive by tompaulco · · Score: 1

    I was thinking of changing my Major Medical plan, because it is getting expensive. It has literally doubled in price in the last three years. I went to ehealthinsurance.com, which is where I normally shop for insurance. I found that the cheapest premium is about the same as I am paying now, meaning that insurance rates really have gone up by 100% in the last three years. Probably due to some sort of new legislation.
    Even worse, I was comparing if my plan started now. If I started a new plan in 2014, the lowest cost plan is 50% MORE than I am paying now. That would mean that insurance rates have tripled in three years.
    My company just switched insurance plans to a much more expensive plan for the full family option. It is more than $1,300 a month. I won't be participating, of course, since much cheaper plans are available individually. I wonder if my employer gets their kickback per individual, or is it just for signing up the company? If it is per individual, I will probably expect some retribution for not using the plan.
    Anyway, I question how some of the lower paid full timers can afford this. After the cost of the insurance plan, dental and FICA, they are probably only going to be taking home a few hundred dollars a month at best.

    --
    If you are not allowed to question your government then the government has answered your question.
    1. Re:Expensive by NicBenjamin · · Score: 1

      In theory they don't have to put up with a $1,300 a month premium. That's $15,600 a year, which means that as long as they make less then $164k and change the premium is more then 9.5% of their income, which means they are supposed to buying plans on healthcare.gov. They'd even get the subsidy available to those making less then 400% of poverty-level.

      I suspect that in practice your company has another, cheap-ass shitty plan option that your lesser-paid coworkers are supposed to use.

    2. Re:Expensive by 140Mandak262Jamuna · · Score: 1

      400% of FPL is about 90K for a family of 4. Unless you are someone with 20 kids the 400% FPL is much lower than that. Further the 9.8% will only buy you a median silver plan. Median silver plan is less than 10K a year even in Beverly Hills,CA 90210. (That is the zip code that came to my mind when I was testing the site)

      --
      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
  28. Totally worthless anyways: I won't buy by Anonymous Coward · · Score: 0

    After FINALLY completely the application after deleting and restarting again and again I finally got to the point where I was given some quotes.

    And they were off the wall. The prices per month for what I had were more than $200-$400 a MONTH MORE than what I was paying and
    with the hidden costs of deductions, formularies, etc. I just won't have any insurance.

    1. Re: Totally worthless anyways: I won't buy by JWW · · Score: 1

      I think one of the big issues that will be coming forward due to Obamacare is that the definition if rich is going to change. Obama has always said the rich are going to "pay their fair share" for healthcare so the poor can be covered.

      It's just that a lot of people who don't think they're rich at all are finding out that Obama thinks they are and he is making them pay.

    2. Re: Totally worthless anyways: I won't buy by Bartles · · Score: 1

      It's not the rich that have to pay their fair share now. Now the healthy have to pay their fair share. I've never been able to figure out what a "fair share" is. No one ever seems to be able to objectively define that term. It's always more for some, less for others, and we never seem to get to the point where we can say we have achieved fairness. I'm starting to believe that a "fair share" doesn't actually exist, and it's just a device that get used to create jealousy and buy votes from people who are easily persuaded.

    3. Re: Totally worthless anyways: I won't buy by JWW · · Score: 1

      Totally agree that "fair share" is a very effective political tool and almost impossible to define.

  29. Republicans are in tough situation. by 140Mandak262Jamuna · · Score: 1, Interesting
    Despite all the glitches, and blotched roll out, persistent technical difficulties, constant negative news from every source, there is still fundamental support for ACA. "Keep it or Expand it" even more people out number the "cut back or repeal" people.

    The root cause of the problem is that Republicans dominate very small states with very large percentage of poor people. For example South Carolina had about 150K people already eligible for medicaid but were unaware of it. Even though the Republicans refused to expand medicare, the medicare rolls are expected to swell by 150K, because they are just finding out that they are actually eligible, and if they don't enroll for free healthcare, they would end up paying a fine! There are another 350K people who would know that they are within 400% of the poverty level, eligible for subsidies, and the Governor refused to give them access to that money. The hospitals and providers are going to lose about a billion dollars of federal money. Romney won that state by a margin of 2.2%. NC has 4.7 million registered voters, Romney's margin in raw votes is just 100K. If the potential loss of medical coverage or the possibility of getting subsidy impels a fraction of this 500K who are not already voting Democrat to register to vote, or actually show up to vote or switch from R to D, that would be disastrous to the Republicans.

    If a dilettante like me crunches numbers like this, the politicians have at least semi or deci Nate Silvers in their pay roll. They know what is coming down the pike. Sure you could decry it as a simple vote getting ploy by the Democrats. And you could rail about the unfunded expansion and the effect it is going to have in the deficits etc etc. You could shout till cow comes home, "if people vote themselves benefits without worrying about the costs, Democracy will die". But if Republicans do not find a way to pacify that section of the population, none of these intellectual arguments are going to sway the people who are sick and tired of being sick and tired.

    --
    sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    1. Re:Republicans are in tough situation. by Anonymous Coward · · Score: 4, Insightful

      It is true the Republicans do have a job on their hands trying to raise votes by "not purchasing them with other peoples money".

    2. Re:Republicans are in tough situation. by 140Mandak262Jamuna · · Score: 1
      Yes, Americans used to be very self reliant and eschew public assistance and it was considered to be a taboo to take in government assistance. You see, for the last 30 years both Republicans with ample aiding and abetting from the Democrats, have systematically transferred income and wealth from people who spend 90% to 100% of their income to people who save/invest 90% to 99% of their income.

      The result is too much of capital, and people have been cutting back on consumption. The "fix" we have been pushing for the last 30 years is to reduce the interest rate. People facing loss of income (after adjusting for inflation) made up for the loss by borrowing. But eventually that ran out of steam as debt service load increased and people maxed out their borrowing ability. The low interest rate also allowed corporations to borrow cheaply and distort the market leading bubble after bubble. Now we have capital markets sloshing around with 2 trillion dollars of excess cash they don't know what to do with. Now these jokers are wondering why we are on the verge of deflation, why there is no improvement in economic activity.

      We need to realize the rich people are NOT the job creators. Calling them job creators is as idiotic as calling the hamburgers hunger creators. It is because of the hunger of the people the hamburger gets created. Hunger is the cause, and the hamburger is the effect. It is the need for goods and services, the consumption by ordinary people, that creates jobs. Need is the cause, jobs are the effect. If you systematically drain their income, systematically tax physical labor income at twice the rate of investment income, you are distorting the fundamentals of the economy.

      We have to tax the investment income at the same rate as earned income, spend the tax dollars within USA, realize every dollar spent by the government is a dollar earned by someone, make sure these expenditures end up in the pockets of people who would spend the money, not put it back in treasury bonds, and we would revitalize this country and this economy. We have to reserve a well deserved place for trickle-down-economics and other such failed economic policies right next to Communism in the garbage dump of history.

      --
      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    3. Re:Republicans are in tough situation. by Anonymous Coward · · Score: 0

      Yes, Americans used to be very self reliant and eschew public assistance and it was considered to be a taboo to take in government assistance.

      Sure, when the government didn't offer much assistance, "People didn't want it anyway."

      Then bad shit happened and we really had no choice. And now we have it.

      Amazing.

    4. Re:Republicans are in tough situation. by Anonymous Coward · · Score: 0

      The reality is that falling real wages are the culprit here. These falling wages are due to there being too many workers for the jobs. This is due to telecom allowing offshoring, and women entering the workforce.

      Pricing balances supply vs demand. Low wages means the profits need to go someplace, and the end up in shareholder and CEO pockets. The CEOs, as you point out, can't spend it fast enough, leading to that trillion dollar sloshing sound.

      Where I disagree with you is that rich folk haven't gotten worse in the last 30 years. They have always been greedy bastards. Instead, It is the labor situation that has changed.

    5. Re:Republicans are in tough situation. by 140Mandak262Jamuna · · Score: 1
      Actually most people are greedy, and some of them end up rich and continue to be greedy. What has happened in the last 30 years was that the opposition disappeared. There used to be a time where people would stand up and agree to tax the rich and put the money back into the circulation. But the rich have bought the think tanks, the pundits, the news media, the politicians, the academics, the judges, all of them and went on saturated coverage where there is no effective push back against them.

      When they say "taxation is theft for the government", we should reply in equally short sentence. "Taxation is the ROI for the government". Longer argument would be, the government invested on all the citizens, not knowing who will win and who will lose, much like investing in an index fund. Some fund will win and it will pay dividends. Congratulations, you won. Now kick back the government's share of the profit.

      When they say, "the rich are the job creators", we should counter, "the consumers are the job creators".

      Unless we go on the offensive, value of all the labor will be lost. There is no difference between blue collar and white collar. Between software engineer and domino's delivery man. All labor is taxed at double the rate of passive investments. Why should my wages be taxed more than their dividends?

      --
      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
  30. Re: Human error by NicBenjamin · · Score: 0

    The problem with the article isn't that the error rate it mentions wasn't a huge problem, it's that it's a huge problem Obama's apparently fixed. To quote the article on the post-relaunch website:

    The site performed well this week, Bataille said. The site had no unscheduled down time and its page error rate was .77%, about the same as the past few weeks. Page load times were below one second.

    There's no info in the article saying Bataille is lying, and you'd think if 10% of insurance applications were missing forms/had duplicates/etc. somebody would mention it.

    One of the things I hate about America is that the pols never actually do anything terribly controversial. In 2008 US Health system had the British NHS for veterans, a typical Northern European system for Federal employees and Massachusetts residents, Canadian medicare for seniors (and yes, they're both called Medicare), and multiple purely American private health insurance systems (a small group market, a large group market, an individual market, hi-rick pools, and 50 slightly different state versions of each). Given that finance people run most of these systems, and finance people's major life-goal is revenue maximization, you had a whole lot of administrative costs (aka: finance people), virtually no cost controls, and nobody who thought about the situation for more then two seconds was surprised that a) the Federal government spent more per capita on healthcare then governments that actually cover everyone, b) many people were not covered (or had shitty coverage), and c) costs were increasing at ridiculous rates. Firing finance people and making Doctors the key decision-makers wouldn't help much because Doctors are convinced that everyone in their sector should make as much as a comparatively educated finance weenie on Wall Street, which means they don;t say know when the ridiculously overpaid specialist demands a $50k raise. To fix the mess you'd either need to remove most of the sources of finance people, or replace the finance people entirely with government bureaucrats who think that nobody should break $200k in base salary because the CEO (ie: President Obama) only make $400k and the Board of Directors (aka Congress) only make $174k.

    So Obama had a fairly huge problem to solve. People who needed and wanted insurance weren't getting it, sometimes because they were poor but not always (only a fool agrees to insure someone whose breast cancer is in remission for the sticker price), many of the ones who were getting it were getting shitty insurance, and the finance weenies running the various systems were bleeding the country dry. But he can't get rid of most of the system because this is America. The VA, and Medicare are untouchable (unless they want more money). Large group policies from big employers are untouchable because the majority of the country uses them and would totally freak out if they changed even a smidgen. So Obama decided to rationalize the small group and individual markets, which guts the majority of income for finance weenies (prior to Obamacare it was possible for non-medical costs in those plans to be 40%, that means finance weenies got 40% of your premiums, now that's capped at 20%). But to do that he had to eliminate the existing markets, and to eliminate the breast-cancer-survivor problem he had to make insurance mandatory.

    As a result we've got health cost increases in the relatively reasonable sub-10% range, the website has an error rate of under 1% so by this time next year almost everyone will have reasonably priced comprehensive insurance, and pretty much the only thing Obama had to give up for it was his current image.

  31. In hindsight, they could have ... by 140Mandak262Jamuna · · Score: 1
    In hindsight, the biggest mistake Obama did was not doing the subsidy eligibility work before Oct 1. They could have rolled out the subsidy, income verification and identify verification etc way before Oct 1. They only thing that has to wait for Oct 1 was the actual plans, their prices and their provider directory. If they had done that they Oct 1 will simply be a window shopping comparison site. With eligibility certificate in hand, they would not be affected by the sticker shock. So the web site would have played its original role: be a simple window shopping and referral service. Subsidy and eligibility would have been a different separate part, with longer baking in period and testing period. They screwed by not doing that.

    This also would have given a lot of supporters with subsidy eligibility certificate in hand, willing to contact their senators and representatives asking them to support ACA. This is a grave and stupid political mistake by the Democrats. And they are paying the price for it.

    But in the long run, people already having medical coverage through employer or through medicare would not change their vote because of ACA. Democrats would continue to support it, probably bemoaning not implementing single payer or public option. Republicans won't gain too many votes from that group. But from the 40 million people without health care, people eligible for medicare and people below 400% of poverty level (that is nearly 90K AGI for a family of four) eligible for subsidies, there is going to be solid vote gain for Democrats. And most of it will happen in solidly red states because they have the largest percentage of poor people.

    --
    sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
  32. Re: Human error by Anonymous Coward · · Score: 1

    They're not actually talking about human data entry errors. The problem is with the EDI (Electronic Data Interchange) documents used to communicate between sysmems. "834" is an EDI document type related to the health care industry. My current gig (no, not health care) has me dealing with EDI quite frequently. It's difficult to get right. Even getting your hands on the standards for a particular documentation type, vendors rarely follow the standards, and commercial libraries for mapping data in and out of EDI format mostly suck.

  33. errors by Anonymous Coward · · Score: 0

    I cannot complete the online application. I even tried deleting the incomplete application and created a new one. I still receive an error before I input my household income. Ugg.

  34. Healthcare.gov is irrelevant by Anonymous Coward · · Score: 0

    Who cares....??? Healthcare.gov is like Katty Perry or Britney spears...... sheeple feedings

    It's bad management. Not a software story.

  35. Re:Human error by wonkey_monkey · · Score: 2

    The 25% error rate in so-called 834 transmissions is a "preliminary" estimate of the website's performance between its launch Oct. 1 and Nov. 30

    0.77% is just for the past week.

    --
    systemd is Roko's Basilisk.
  36. Re: Human error by John+Jorsett · · Score: 1

    Except with Obamacare, it's the law that you have to use the 1.0 buggy release.

    It seems like you are conflating the website with the law. You do have to get insurance, but you do not have to use the website.

    If you are entitled to a subsidy, the website is the only way to get it. Direct applications to insurers won't receive one.

  37. Re:Human error by NicBenjamin · · Score: 1

    The problem with a) Checks and Balances, b) powerful individual congressman, and c) a massively diverse country is that major overhauls of entire policy areas are virtually impossible.

    For example let's say you just want to get Federal per capita health spending below Canada's, because the federal government in Canada is the only spending on healthcare which should be (in theory) a lot cheaper then the various systems our Federal government uses to insure less then half of the country. That probably requires giving people on the VA system the same insurance options as over-65s. But if you do that a lot of veterans are gonna worry that their care will get worse because VA-System enrollees are happier then medicare enrollees. Some over-65s will freak out because at that age group there is a very vocal cohort of People Who Hate Change On Principle. Which means some Congressman will bring up questions, because it is pretty much his entire job to bring up questions like that, and the rest of Congress will go along with him because a) Seniors always vote, and b) no politician wants to be the guy accused of screwing veterans. Cue Congressional Check of Presidential proposal.

    If you overhauled the private insurance system it would be even worse because most Americans a) receive health insurance from their employers, and are b) convinced that it is not only above-average when compared to other employer plans, it is also better then all other possible options. When Clinton tried that shit it didn't even get past Committee.

    Thus you have Obamacare, which tries to merge several disparate insurance markets (Congressional healthcare, the Individual Market, and Hi-Risk Pools) nobody was particularly attached to. It could in the future include several markets that some users (but under half) like -- Medicaid, the Small Group market -- with an option that people like but is basically already Obamacare (Federal Employees already use Exchanges similar to to healthcare.gov).

    If you want a government system that runs like an engineer would want a government to run you probably need to steal the Westminster System used by the UK, New Zealand, South Africa, Canada, etc. There's one guy. He's Prime Minister. He's in charge or he isn't. If he disagrees with you, tough. Your choices are a) convince Parliament to fire him and force new elections, or b) wait for new elections. This whole Obama-spends-15-months-minorly-reforming-healthcare-then-spends-40-arguing-with-Republicans-about-it just doesn't happen. There's no bribes to be extracted in the vote-to-call-the question in the Senate. There's no filibuster. There's no endless committee hearings where powerful people posture for the camera. There's no such thing as a Westminster-system pol who supports part of the PM's program and votes against the rest.

    Hell, in Canada Parliament is even less of a check on the government then I've implied. You can't run for election as an MP unless your party leader signs your nomination papers, and if you're in government that's the Prime Minister.

  38. The reason for the errors is obvious by reboot246 · · Score: 1

    You'd have to be a complete doofus to use that site. Don't give your personal and private information to a site that has zero security.

  39. Re:Human error by NicBenjamin · · Score: 1

    The relaunch was on Saturday November 30th. It's Saturday December 7th. The entire post-relaunch period is last week.

    This article is like bitching about how terrible Windows 3.11 was the week after MS launched Windows 95. No shit 8 days ago Windows sucked, that's why they re-did the damn thing.

  40. 25% is very conserative by Anonymous Coward · · Score: 0

    Yes, I see the data flowing between a plan and the .gov site.
    The web services fail hundreds of times a day to this site. We now ignore the errors from the site and consider the broken.
    I believe that the applications coming through with errors are greater than 33%, probably closer to 35%. Some might be user entry issues not the vast majority.
    The weekend before go live for .gov they were providing new certs and end points. Just in time infrastructure provisioning was in full force.
    While Dave Kennedy might be a bit of a media whore, he is a respected security consultant. If he says it is vulnerable then it is probably chock full of holes. Passing a CMS audit is a freaking nightmare, figure 30 plus full time resources to pass a 912 audit for just the infrastructure and non externally facing websites. CMS would never have let this go live for a private firm.

    The website is just the first hurdle on this long journey to transform the current private health insurance model.

    Yes, I posted as AC because I like my job!

  41. Re:Human error by PopeRatzo · · Score: 1

    It's my understanding that this is happening with no user error at all.

    Now you know that's not true. The article and summary specifically make it clear that bad information is being input by users

    --
    You are welcome on my lawn.
  42. Re:I have a better solution than running into this by Anonymous Coward · · Score: 0

    no refund for them to snag.

    Uhh...you do realize that "them" is the IRS, right? You seriously don't think that the ability for the IRS to extract money from you is limited to what you overpay in taxes, do you?

  43. Re:Human error by wonkey_monkey · · Score: 1

    Ah! I misread your "pre-relaunch" as "pre-launch." Apologies.

    Replacing "have" with "had" in the summary and title does put a rather different spin on things.

    --
    systemd is Roko's Basilisk.
  44. Wait for the next round by pubwvj · · Score: 1

    We're just dying to try out version 2.0. Preferably 2.0.1 where they have the bugs worked out.

  45. Half a Billion Dollars by nurb432 · · Score: 1

    From what i understand, a lot of that cost was infrastructure, not code. That can be reused even if the application was burnt to the ground and started fresh.

    --
    ---- Booth was a patriot ----
  46. Re:Leave it to a nigger... by Anonymous Coward · · Score: 0

    Hey, we're just trying to emulate South Africa - and doing a damn good job of it, too!

  47. Not much of a scare by SuperKendall · · Score: 2

    That sounds like a great deal if you live clean anyway. If you don't drink much, don't plan on getting pregnant, and don't care for routine examinations it's a great deal - just like the cheaper health insurance plans that are now illegal.

    As for the "scare" from your link, it was one case where the company decided it could not legally provide insurance in the state where the people lived - unfortunate but not really a company issue. And an arbitration panel agreed with that assessment when challenged, You prefer to believe the state that claimed it never blocked them from providing coverage, even though the state as just as mud a PR interest in looking good as the company.

    --
    "There is more worth loving than we have strength to love." - Brian Jay Stanley
  48. Re:I have a better solution than running into this by Anonymous Coward · · Score: 0

    For the Obamacare fine it's specifically limited to clawback on refunds.

  49. Re:I have a better solution than running into this by RedBear · · Score: 0

    Opt out of Obamacare entirely. Don't apply for it and don't pay the fine and set up your taxation such that there's no refund for them to snag.

    I don't suppose you're ever actually going to realize that you don't apply for "ObamaCare" at healthcare.gov. You apply for... shoot, what was that phrase, now I can't remember...

    Oh, yeah. It's called "health insurance".

    It's the same goddamn magical PRIVATE SECTOR health insurance we had before. The only real difference being that now, due to the law called the Affordable Care Act, the insurance companies aren't allowed to refuse to provide health insurance to people with pre-existing conditions. Pre-existing conditions such as the horribly expensive "disease" we refer to as "being a female human who is pregnant or plans to become pregnant in the next twelve months".

    The "gubmint" hasn't taken over the health care system. There is no "ObamaCare" that we are all being forced to sign up for. Get a grip. If you choose not to get health insurance coverage, well, that's your choice. Thanks to the Affordable Care Act. But don't act like you're some kind of hero for "fighting the tyranny of ObamaCare". Because that doesn't exist.

  50. Re: I have a better solution than running into thi by Anonymous Coward · · Score: 0

    The government is taxing you for being alive. All the credits for not meeting the bureaucrats' current definition of "poor" are irrelevant. Before the ACA, one could choose to get no insurance for no cost; basically buying nothing for nothing. Now we're supposed to pay a fee simply for buying nothing? Fuck that. In the end it's a money grab for government and the massive insurance companies that funnel money to them one way or another. The American people largely took it in the ass on this one.

  51. Re:I have a better solution than running into this by Anonymous Coward · · Score: 0

    Thanks to the ACA, you can do both. Opt out of it, don't apply for it, don't pay the fine, then when you get ill, just buy health insurance. Those evil insurance companies can't deny you coverage for your pre-existing condition. Thanks Affordable Care Act. I can't see anything that could go wrong with this system. Everyone will get a great deal for their insurance when they really need it - when they're ill.

  52. Re:I have a better solution than running into this by Anonymous Coward · · Score: 0

    Oh, and the kicker for this is that the supreme court ruled that this is only constitutional because the fine is less than the cost of the health insurance. They're planning to increase the fine over the years to force more people into the system, which will make it less fundamentally broken than it is already, but to remain constitutional it must remain fundamentally broken.

  53. Re:I have a better solution than running into this by Anonymous Coward · · Score: 0

    I don't know if that's true or not, but even if it is it's easily changed. Without having read every line of the law I can't imagine any scenario where the IRS is intentionally short-leashed in their ability to obtain every last cent they feel entitled to.

  54. Re:I have a better solution than running into this by Anonymous Coward · · Score: 0

    It's not the same health insurance you had before. Apart from the obvious difference of the forced subsidies based on income, there premiums are now not just a function of your risk of illness. Now the highest premiums cannot be more that a multiple of the maximum premiums, meaning a subsidy of the young to the old and the healthy to the unhealthy. Now you must buy things that are obviously not insurance, like contraceptives or regular checkups. Now you have to buy coverage for things you'll obviously never need.

    Not the same insurance, just the same companies providing the same three choices. Until the coming death spiral drives them all out of business.

  55. Only 24%? by Anonymous Coward · · Score: 0

    http://www.sfgate.com/realestate/article/Errors-found-in-84-of-SF-mortgages-in-foreclosure-3334954.php

  56. Re:Human error by sumdumass · · Score: 1

    No, the article and summery make it clear the errors they are talking about are introduced by the website. Read the entire sentence being used to discover the meaning of what is being said.

  57. Error Error Error by Anonymous Coward · · Score: 0

    Obama-kun is a condom monger in a sexless market. Ha Ha.

  58. You seem a bit confused by Anonymous Coward · · Score: 0

    A male is not simultaneously subsidizing women (by paying more for a policy that includes coverage for female issues) and be getting subsidized by women (paying for coronary coverage men are more likely to need). In a subsidy situation, one person overpays so the other person can underpay. What you have done is to simply assert that the man and woman in the example are in a common risk pool sharing the risks (with the "winner" being whoever actually ends up needing the care... which is the case with all insurance including pre-Obamacare).

    With traditional insurance, everybody voluntarily participates in a risk pool and each participant is underpaying - getting a better benefit package than he/she could normally afford. That's not what's happening under Obamacare. With Obamacare, government is requiring people to enter one of a limited set of government-designed risk pools where the risks have actually been removed (pre-existing conditions are covered and there are no caps). To make this work, the government has designed the policies to "cover" all sorts of things most people do not need (so they get the illusion of buying a cadillac plan when they overpay) while setting the deductibles and co-pays so high that a typical young buyer will never get any benefit (i.e. a 25 year-old with a "Bronze Plan" will never spend enough on doctors in a single year to reach the point where the plan pays its first dollar for him). If you are young and have a "Bronze Plan" and have less than, say $15K, in the bank then you WILL go bankrupt under Obamacare if you develop the need for major medical services. (So much for the promise that nobody will ever be bankrupted by healthcare costs... well, actually you go bankrupt BEFORE the plan kicks-in rather than while the plan is helping you as with pre-Obamacare...)

     

    1. Re: You seem a bit confused by jhoger · · Score: 1

      There's a big difference between being $15k in the hole and 100s of thousands if dollars in the hole. When you talk about pre ACA medical bankruptcies you're talking about big money. A $15k debt is something most people could manage. And if they can't manage it then they shouldn't buy a Bronze plan.

  59. Only a progressive would see it that way by Anonymous Coward · · Score: 0

    For a normal person the proper priority would be to start with honesty; an honest and fiscally-sound plan, honestly offered and promoted... and then IF the honestly-informed public supported it, an honest contract to a competent set of vendors to set things up properly

    For progressives, who honestly believe that the ends justify the means, the avalanche of dishonesty in Obamacare is just fine

    It does not matter that Obama went all around America promising that "If you like your plan, you can keep your plan, Period. Nobody is going to take it away from you" while his advisers knew full well that this was untrue and are on the record having decided not to "cloud the issue" with the truth.

    It does not matter that Obama went all around the country promising that "If you like your doctor, you can keep your doctor, Period" even though his team admitted behind closed doors that they knew this was untrue.... Obama and his progressively dishonest supporters accused anybody who warned this was untrue of being .... yup, LIARS

    It does not matter that Obama promised that Obamacare would save the typical family $2500 even though his HHS knew this was false.

    It does not matter that a number of Obama's crew went to capitol hill to testify before congress all through 2013 that they had the healthcare website under control and it would be ready to go on Oct 1st. Oh, and they accused anybody who doubted them of being a liar

    It does not matter that after they screwed-up the Oct 1st launch, they promised that it would be fixed by Nov 30th even though they knew full-well that the code that handled the back-end and the money would not even be written before December

    It does not matter that they constructed a healthcare law that could only get through the Senate on a 60-vote margin, but then lost an election and therefore lost that margin, and ended-up illegitimately jamming-it through using the reconcilliation process (by pretending it was a taxing/spending bill) nor does it matter that the constitution requires that taxing/spending bills originate in the House (there is a legal challenge on this basis working its way through the courts)

    Progressives want total control of the population and the best way to get that is to control their lives... which you do when you control their healthcare. That's why controlling healthcare is a top priority of every leftist government... and why they will always excuse ANY action required to get that control. It's all about power and if you have to lie, cheat, steal, etc to get that power then you are justified.

  60. A little knowledge is a dangerous thing by Anonymous Coward · · Score: 0

    When you lefties try to use the Bible to justify things like armed robbery, you just expose your illiteracy/ignorance

    When Jesus said (quoted here from KJV rather than original language which few on Slashdot could read) : "For I was an hungred, and ye gave me meat: I was thirsty, and ye gave me drink: I was a stranger, and ye took me in: Naked, and ye clothed me: I was sick, and ye visited me: I was in prison, and ye came unto me. Then shall the righteous answer him, saying, Lord, when saw we thee an hungred, and fed thee? or thirsty, and gave thee drink? When saw we thee a stranger, and took thee in? or naked, and clothed thee? Or when saw we thee sick, or in prison, and came unto thee? And the King shall answer and say unto them, Verily I say unto you, Inasmuch as ye have done it unto one of the least of these my brethren, ye have done it unto me." he was speaking of the voluntary acts of compassion and charity of individuals to other individuals and NOT making a case for government pointing a gun at a man and ordering him to hand over his money so the government could keep a cut and distribute the rest as it desires to its selected, preferred recipients (many of whom may not even be needy)

    What you do not often notice is that the Christian definition of charity does not involve government, nor compulsion, nor is it a group activity. You also seem to always miss things like the followers of Jesus getting upset when a woman poured some expensive oil on him; they argued that the oil should have been sold and the money spent on the poor (sort of like "tax the rich" to get the money to "help" the poor) and his response: "Why trouble ye the woman? for she hath wrought a good work upon me. For ye have the poor always with you; but me ye have not always. For in that she hath poured this ointment on my body, she did it for my burial. Verily I say unto you, Wheresoever this gospel shall be preached in the whole world, there shall also this, that this woman hath done, be told for a memorial of her."

    Oh, and then there's those pesky bits where he says things like "Have ye not read, that He which made them at the beginning made them male and female, And said, For this cause shall a man leave father and mother, and shall cleave to his wife: and they twain shall be one flesh? Wherefore they are no more twain, but one flesh. What therefore God hath joined together, let not man put asunder." ... yeah..... not much support there for lefty ideas like "gay marriage". nor do you often like the bits where Jesus confirms the validity of the old laws (like the ones that say people who choose not to work do not get to eat).

    Yeah, it's sort of amusing to see left-wingers who frequently deny Jesus and write-off the Bible as a dusty old work of fiction suddenly dig it up and page through it looking for a few verses to support economic models that are based on violating the most basic principles of the Ten Commandments ("thou Shalt Not Steal" and "Thou shalt Not Covet" come to mind...)

    1. Re:A little knowledge is a dangerous thing by 140Mandak262Jamuna · · Score: 1
      I actually anticipated your argument about doing charity without coercion by the government too. Please check that out. Then you should also ask the government not prosecute illegal immigrants and allow them self deport like Romney said.

      When you equate taxation with armed robbery, you disagree with Jesus about paying unto Caesar what was Caesar's. When our founding father's declared "No taxation without representation", they did what Jesus did not do. Jesus never questioned the right of the Romans to rule Judea. Realize too Jesus did not talk about liberty and pursuit of happiness. Of course with a PhD in theology you could dredge up little known, and never preached and never sermonized sections of the bible to argue he did too. But that would open a new set of problems and even more convoluted explanations.

      Anyway, from the passages you quoted, it looks like divorce should be illegal. I only know of Catholics still trying to enforce it, and even they create a loop hole called post facto annulment of marriages, which makes the couple's married life a life of sin retroactively! And Jacob marries both Rachel and Leia, so you demand a religious exemption from polygamy laws too? And they were his first cousins too. So you want to revisit incest definitions of American laws too?

      BTW do you realize the most basic passages of the ten commandments implicitly permit slavery? Thou shalt not covet thy neighbor's man slave nor the woman slave? Current versions use the term "man servant" and "woman servant", and argue the terms "slaves" were mis-translations. But remember the bloodiest war that killed more Americans than all other wars put together was fought because some Christian imams ruled that slavery was halal for Christians. Just think how many things you are currently holding and fighting for might be ruled mis-translations by your future imams and bishops.

      --
      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
  61. Learn not to lie, your life will be better by Anonymous Coward · · Score: 0

    "It's the same goddamn magical PRIVATE SECTOR health insurance we had before."

    this part is a lie.... as your very next sentence exposes:

    "The only real difference being that now, due to the law called the Affordable Care Act, the insurance companies aren't allowed to refuse to provide health insurance to people with pre-existing conditions. Pre-existing conditions such as the horribly expensive "disease" we refer to as "being a female human who is pregnant or plans to become pregnant in the next twelve months".

    I know this is difficult for you progressives but: "it's different" is NOT equal to "it's the same"

    As for what's "better", in America we used to leave it to the individual to decide what was "better" for him or her as an individual. The new plans with HUGE deductibles and co-pays and much higher premiums suck for everybody who must buy them in order to grossly overpay in order to fund all the subsidies for other people. If the MILLIONS being kicked-off the plans they had really did prefer the new plans then people would not be upset, they'd be happy (as delusional progressives imagine them to be) but Obama and his followers KNOW that this is a giant fraud.... the proof is that they use the force of law to order consumers to buy the product; Nobody needs to be forced to buy things they really want and like. Nobody buys an iPad because Obama passed a law requiring people to buy one.

    Oh, and "being female" was never classified as a pre-existing condition.... women were charged more for health insurance because they statistically use far more healthcare. Women go for lots more checkups and procedures than men (who generally have to get dragged, "kicking-and-screaming" to the doctor) therefore they cost more to cover, therefore they were charged more... a problem that generally went away for married women who ended-up on their husband's policies or for working women who ended up in employer group plans. The flip side is that men often payed more for car insurance, and life insurance because they were more-likely to be more expensive to those insurers..... life is not, and never can be, completely "fair"

  62. 100% of Software has errors. by Anonymous Coward · · Score: 0

    100% of Software has errors.

  63. Re:I have a better solution than running into this by Anonymous Coward · · Score: 0

    Opt out of Obamacare entirely. Don't apply for it and don't pay the fine and set up your taxation such that there's no refund for them to snag.

    Right, because you have never used any government services, like roads, schools, defense, social security, huge economic bailouts, law and order, fire departments, traffic enforcement, protection from your neighbors and their guns taking your daughter and raping her, those sorts of things. If you haven't, then go ahead and hide your income.

    Fuckwit