"To announce that there must be no criticism of the president, or that we are to stand by the president, right or wrong, is not only unpatriotic and servile, but is morally treasonable to the American public." -- Theodore Roosevelt


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Thursday, January 23, 2014

ObamaCare Website's Unfinished "Back End" Could Cheat Insurers or Ruin ObamaCare Itself


"Remember, if you don't like ObamaCare then you're a racist. And the IRS just hates racists.

Well, we can always hope about that last part. I mean ObamaCare is doomed to failure, but it would be nice for it to fail before it costs too many people their money, health, and lives.

Let's keep in mind that even if it runs as designed, the odds of ObamaCare bankrupting insurers is about 100%. It's basically designed to control costs by eliminating profit margins, ignoring actuarials, and severely restricting costly treatments.

From the Fox News article by Jim Angle:

While the administration publicly expresses full confidence in its health care law, privately it fears one part of the system is so flawed it could bankrupt insurance companies and cripple ObamaCare itself. 
"Week after week, month after month," says John Goodman of the National Center for Policy Analysis, "the Obama administration kept telling us everything's working fine, there's no problem and then they turn on a dime and fire their contractor." 
To justify a no-bid contract with Accenture after firing CGI as the lead contractor, the administration released documents from the Department of Health and Human Services and the Center for Medicare and Medicaid Services that offered a rare glimpse of its worst fears, saying the problems with the website puts "the entire health insurance industry at risk" ... "potentially leading to their default and disrupting continued services and coverage to consumers." 
Then it went even further, saying if the problems were not fixed by mid-March, "they will result in financial harm to the government." 
It even added that without the fixes "the entire health care reform program is jeopardized." 
In spite of the "urgent" need officials cited to keep the system from collapsing, the White House spokesman said he knew nothing about it.  
[...]  
Shortly after the website went live,one official told Congress a critical part of the system – what is known as the “back end” -- had not even been built yet. 
Doug Holtz-Eakin, former head of the Congressional Budget Office, says "the back end -- that information is supposed to be transmitted to an insurance company, the insurance company knows who you are, they know what policy you've picked." 
But the back end still hasn't been built, so insurers are dealing with massive confusion, missing information on who's signed up and what subsidies they get. 
Sebelius insisted once again Wednesday it would all come together and insurance companies will get their money. 
"I mean we will get them paid,” she said. “There is no question about that, so we are on track." 
For now, though, officials concede they're relying on estimates from the insurers. 
"Here's who we think we have, and here's the subsidy we think they're owed," explains Jim Capretta of the Ethics and Public Policy Center. "Please send us a check from the treasury," he says chuckling. "The honor system again." 
"There's no way to effectively match policies and people," says Holtz-Eakin. 
"And on top of that, you can't match policies, people, to the federal subsidies and that's a big problem in terms of just the mechanics of making payments."

Oh, come on... Racist people are just nit-picking about ObamaCare's problems. I mean, who cares if we're simply estimating numbers of insured and subsidies because the website hasn't been properly built?


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