Tag Archives: health exchanges

The government is months behind in testing the security arrangements of Obamacare.

O goody: The government is months behind in testing the security arrangements of Obamacare.

“They’ve removed their margin for error,” said Deven McGraw, director of the health privacy project at the non-profit Center for Democracy & Technology. “There is huge pressure to get (the exchanges) up and running on time, but if there is a security incident they are done. It would be a complete disaster from a PR viewpoint.” The most likely serious security breach would be identity theft, in which a hacker steals the social security numbers and other information people provide when signing up for insurance.

According to a new poll, only 11% of doctors believe that the Obamacare health exchanges will be open for business on October 1, as mandated by the law.

Finding out what’s in it: According to a new poll, only 11% of doctors believe that the Obamacare health exchanges will be open for business on October 1, as mandated by the law.

I found this tidbit from the article, however, far more disturbing, as it describes a detail of the Obamacare exchanges that will surely cause doctors incredible financial pain, and will likely cause them to demand all payments up front:

Jackson said that doctors who don’t have an understanding of those coverage terms could be in for a nasty surprise once the new plans go into effect. That’s because under the rules of the exchange, a patient can go up to three months without paying premiums and still not get their coverage formally dropped by an insurers—but the insurer isn’t obligated to pay claims incurred during the second and third month if that person isn’t paying their premiums for that time, Jackson said. Those rules could mean that doctors end up eating the cost of the care they have already provided, or have their receivables stay unpaid for longer stretches of time. [emphasis mine]

In other words, the law is tilted to allow patients to stiff both their doctors and their insurance companies. How precious.

Another ObamaCare Glitch

Another ObamaCare glitch.

The Patient Protection and Affordable Care Act offers “premium assistance”—tax credits and subsidies—to households purchasing coverage through new health-insurance exchanges. This assistance was designed to hide a portion of the law’s cost to individuals by reducing the premium hikes that individuals will face after ObamaCare goes into effect in 2014. (If consumers face the law’s full cost, support for repeal will grow.)

The law encourages states to create health-insurance exchanges, but it permits Washington to create them if states decline. So far, only 17 states have passed legislation to create an exchange.

This is where the glitch comes in: ObamaCare authorizes premium assistance in state-run exchanges (Section 1311) but not federal ones (Section 1321). In other words, states that refuse to create an exchange can block much of ObamaCare’s spending and practically force Congress to reopen the law for revisions.

The Obama administration’s solution? Ignore the law as written.

I have a better idea: Repeal the damn thing!