Charles Gaba's blog

Anyone who knows me, or who reads the FAQ (which is to say, hardly anyone), knows that I've never tried to hide my personal political views. I'm a proud progressive, active in the local Democratic Party, and have taken plenty of shots at Republicans here at ACASignups.net. However, I've tried very hard not to let that skew the data I report, and I've also taken plenty of shots at both HHS and/or the various ACA exchanges when they screw up.

Case in point: Just this morning I noted that the Vermont exchange is sending people to their website to pay bills when the site has been offline for weeks, and Oregon's disastrous exchange continues to provide embarrassment with news that they enrolled U.S. Senator Jeff Merkley--himself a proponent of the law--in Medicaid and somehow assigned him 97,000 children.

In any event, when I do go off-topic from time to time, it's generally for something innocuous.

Thanks to Jed Graham for bringing up an interesting point about the 2015 renewal-vs-new-enrollee issue earlier today.

His original point was that it's likely going to cause no end of headaches (especially to me) to try and keep track of the enrollment figures since there's going to be around 7.5 million existing enrollees to contend with (most of whom, I would hope, will renew their policies) plus the newly-added enrollees whose policies start in January or later.

However, it occurred to me to check something out and sure enough, over at HC.gov you'll find this notice:

Any 2014 plan you enroll in with a Special Enrollment Period ends December 31, 2014. This is true no matter what month in 2014 your coverage starts.

With Open Enrollment 2.0 coming up fast, here's some quick hits from the various state-run ACA exchanges:

Massachusetts: State vows easier time on rebuilt Mass. Health Connector site

When people shop online for health insurance through the Massachusetts Health Connector next month, they will have a radically different experience than the trouble they encountered last year, state officials promised Thursday.

Last year’s website, redesigned to meet the terms of the Affordable Care Act, never worked properly, leaving people unable to buy subsidized health insurance. This year, officials say, the newly rebuilt website will enable users to cruise smoothly from log-in to plan choice.

Vermont: Thousands directed to shut-down health exchange website to pay bills

Thousands of Vermont Health Connect customers who signed up to pay health care premiums online recently received email notices directing them to pay through a website that is offline.

Me, September 6th:

In any event, you can expect a slew of new "OMG!! X MILLION POLICIES CANCELLED!!" attacks this fall as well...just before the midterms. It's not so much that this is false--some policies will be cancelled--as heavily exaggerated, along with the "impact" of those cancellations (most people will do exactly what my wife and I did...simply replace the old policy which isn't compliant...with a new one which is compliant and offers more comprehensive coverage...in many cases at a much lower rate after tax credits are applied, as long as they enroll via the ACA exchange instead of directly via the company).

Remember that when you start seeing the campaign attack ads with absurdly ominous music playing over black-and-white footage of someone reaching into the mailbox and pulling out...a notice from their insurance company (DUN-dun-dunnnnn...).

Me, October 2nd:

On Tuesday, the New York Daily News posted a story about a man in New York who is suing Empire BlueCross BlueShield because the insurance policy he purchased from them is essentially useless. As the header summarizes it:

Man sues Empire insurance company, claims search for doctor became ‘frustrating’ runaround

Jon Fougner says his simple search for a doctor through the insurance company website turned into a ‘Dickensian nightmare.’ Some doctors did not accept new patients, others never returned his calls, and some had wrong contact information listed on the Empire BlueCross BlueShield website, he claims. He accuses Empire of breach of contract, fraud and false advertising.

Now that Mitch McConnell is starting to feel the heat, he's decided to try and double down on the Evils of Obamacare by tying Alison Lundergan Grimes to the law (even though she didn't vote for it, seeing how she isn't, you know, a Senator yet).

So, he's started running a new ad in which a real-life doctor attacks Obamacare (mentioning in the "O" word 6 times in 30 seconds, if you include the on-screen text) while stating that Grimes supports it while McConnell wants to repeal it.

These jackasses just don't know when to quit, do they?

A year after shutting down the government, a group of Senate Republicans are pressuring House Speaker John Boehner (R-OH) to oppose any funding bill in the lame duck session that includes appropriations for a small program contained in the Affordable Care Act, potentially triggering another showdown.

I noted this issue about a week ago (although I actually have to give credit to anti-ACA advocate Megan McArdle, of all people, for laying it out so well):

I had to visit HC.gov for the first time in months today to check on something and was impressed by the mostly new interface and overhauled layout. Obviously a lot of the content changes are connected to prepping for the 2nd Open Enrollment Period (lots of "get ready!" and "upcoming deadlines!" and the like), but right off the bat I saw one important improvement: It's finally responsive. That is to say, HC.gov is finally optimized for smartphones & tablets.

Beyond that, some of the promised improvements are extremely welcome:

  • the health insurance website will feature a streamlined application for most of those signing up for the first time. Seventy-six screens in the online application have been reduced to 16, officials said.

In addition...

In an election where people like me are practically begging Democratic candidates in blue states to campaign on the Affordable Care Act, this is a jaw-dropping development.

South Dakota's Senate race normally would be considered a yawner. While the state does have a history of electing the moderate Democrats from time to time, it's pretty red for the most part, and no one was expecting Democrat Rick Weiland to have much of a chance against former Republican Governor Mike Rounds.

However, in an interesting development, independent candidate Larry Pressler has jumped into 2nd place in a recent poll. The thing is, Pressler isn't some no-name small timer; he's already a former U.S. Senator, serving for 3 terms before losing to Democrat Tim Johnson in 1996.

With Johnson retiring, his seat is open, and Pressler wants it back, so he's jumped back into the game. Here's the thing, though: Pressler used to be a Republican. In South Dakota.

Gallup has just released their latest nationwide, fully-detailed quarterly insurance survey, and the results are...pretty much exactly what everyone in the real world (as opposed to FOX News, etc.) has been reporting for months now.

The uninsured rate for adults (Gallup doesn't survey kids under 18, of course), which hit a high of 18% last fall (just prior to the ACA exchanges launching) is holding steady at 13.4%, the same number it was at in the 2nd quarter of 2014:

The total U.S. population currently sits at roughly 316 million. Of that, around 76.7% are over 18, or about 242 million people.

18% of that is 43.6 million. 13.4% is 32.4 million...a net reduction of around 11.2 million uninsured, or about a 26% drop in the uninsured rate nationally.

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