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Category: Health Care Reform

Will the Affordable Care Act’s (“ObamaCare”) Federal Health Insurance Exchanges Be Ready On Time? Finally the Facts!

Will the Affordable Care Act’s (“ObamaCare”) Federal Health Insurance Exchanges Be Ready On Time? Finally the Facts!
After months of speculation on just where the Obama administration is toward the development of the new health insurance exchanges, the Government Accountability Office (GAO) has issued a 48-page report complete with timelines and a detailed report on just where the Obama administration is––or at least was last month.

The key summary:
“Much progress has been made, but much remains to be accomplished within a relatively short amount of time. CMS’s timelines provide a roadmap to completion; however, factors such as the still-­evolving scope of CMS’s required activities in each state and the many activities yet to be performed—some close to the start of enrollment—suggest a potential for challenges going forward. And while the missed interim deadlines may not affect implementation, additional missed deadlines closer to the start of enrollment could do so. CMS recently completed risk assessments and plans for mitigating risks associated with the data hub, and is also working on strategies to address state preparedness contingencies. Whether these efforts will assure the timely and smooth implementation of the exchanges by October 2013 cannot yet be determined. ”

Re the Data Hub:
“FFEs [the federal exchanges] along with the data services hub services are central to the goal under PPACA of having health insurance exchanges operating in each state by 2014, and of providing a single point of access to the health insurance market for individuals. Their development has been a complex undertaking, involving the coordinated actions of multiple federal, state, and private stakeholders, and the creation of an information system to support connectivity and near real-­time data sharing between health insurance exchanges and multiple federal and state agencies. Much progress has been made in establishing the regulatory framework and guidance required for this undertaking, and CMS is currently taking steps to implement key activities of the FFEs, and developing, testing, and implementing the data hub. Nevertheless, much remains to be accomplished within a relatively short amount of time. CMS’s timelines and targeted completion dates provide a roadmap to completion of the required activities by the start of enrollment on October 1, 2013. However, certain factors, such as the still-­unknown and evolving scope of the exchange activities CMS will be required to perform in each state, and the large numbers of activities remaining to be performed—some close to the start of enrollment—suggest a potential for implementation challenges going forward. And while the missed interim deadlines may not affect implementation, additional missed deadlines closer to the start of enrollment could do so. CMS recently completed risk assessments and plans for mitigating identified risks associated with the data hub, and is also working on strategies to address state preparedness contingencies. Whether CMS’s contingency planning will assure the timely and smooth implementation of the exchanges by October 2013 cannot yet be determined.”
That about sums up the whole report––CMS has been outwardly optimistic but is clearly struggling to make the deadlines.

While the GAO report gives us a clear sense of where CMS was as of about May, we are now essentially in the dark again. As the GAO report says, whether the exchanges will be ready or not now depends upon key dates between May and October.

Why can’t the administration build upon this report and keep us informed?

Some opponents of “ObamaCare” will take satisfaction in the problems the Obama administration is having getting this thing launched.

Let’s be clear, even if the launch has to be delayed or is just a mess at the start, this will eventually get launched and the Affordable Care Act will be central to the health insurance and health care system for years to come––under the best scenario for Republicans they won’t be able to repeal or fundamentally change the law until after Obama leaves office.

But, Democrats do need to be concerned about what a messy launch would mean to them in the November elections.

Health insurers, and proponents of the law, need to be worried about what a messy launch would do toward the goal of getting the healthy to sign up for coverage. If the healthy stay away from the exchanges out of concerns for administrative problems that could undermine the financial sustainability of the insurance reforms.

You can access the full report here.

You can also access the companion report on the small business (SHOP) exchanges here.

Source:  Health Policy & Market Blogspot

CBO Says Less Than 2% Of Americans Will Owe The Health Care Penalty

FACT SHEET: INDIVIDUAL SHARED RESPONSIBILITY FOR HEALTH INSURANCE COVERAGE AND MINIMUM ESSENTIAL COVERAGE PROPOSED RULES

Under the Affordable Care Act, the Federal government, State governments, insurers, employers, and individuals are given shared responsibility to reform and improve the availability, quality, and affordability of health insurance coverage in the United States. Starting in 2014, the individual shared responsibility provision calls for each individual to have basic health insurance coverage (known as minimum essential coverage), qualify for an exemption, or make a shared responsibility payment when filing a federal income tax return. Individuals will not have to make a payment if coverage is unaffordable, if they spend less than three consecutive months without coverage, or if they qualify for an exemption for several other reasons, including hardship and religious beliefs.

Read More…

Kaiser’s Obamacare Rates Surprise Analysts

Kaiser Permanente has offered some of the highest rates in the California health exchanges next year. It denies that it is doing so to avoid treating many of the sickest newly insured patients.

In California’s new state-run health insurance market, Kaiser Permanente will cost you.

The healthcare giant has the highest rates in Southern California and some other areas of the state, surpassing rivals such as Anthem Blue Cross and other smaller competitors. The relatively high premiums from such a strong supporter of the federal healthcare law surprised industry analysts, and it has sparked considerable debate about the company’s motives.

Some experts say Kaiser intentionally bid high to avoid drawing too many customers next year who are sick or who have been uninsured for years and may be costlier to treat. Others suspect Kaiser was worried that lower premiums would bring an influx of newly insured patients that could overwhelm its in-house roster of doctors and hospitals.

Click here to read more.

The IRS and Obamacare By The Numbers

New details recently emerged about the IRS, as representatives from six conservative groups testified before Congress about the scrutiny and demands they faced from Obama administration bureaucrats.

Their testimony reminds us once again why Americans should be concerned about the new powers granted to the IRS as a result of Obamacare.

Just consider the numbers:

  1. 18-New taxes in Obamacare, including 12 that directly violate then-Senator Barack Obama’s “firm pledge” to those making under $250,000 per year that he would not “raise any of your taxes.”
  2. 47-New provisions Obamacare charges the IRS with implementing, according to the Government Accountability Office.
  3. $695-Tax for not buying “government-approved” health insurance the IRS will be charged with enforcing on all Americans.
  4. 1,954-Full-time bureaucrats the IRS wants to devote to Obamacare implementation and enforcement in the upcoming fiscal year.
  5. 60,000,000-Medical records the IRS has been charged with improperly seizing, raising concerns about whether the agency can handle the personal health insurance information all Americans will be required to submit to the IRS.
  6. $439,584,000-The IRS’s request for new spending on Obamacare implementation in the upcoming fiscal year; the request did not specify how much of those funds the IRS will spend on the “Cupid shuffle.”
  7. 6,100,000,000-Man-hours Americans already devote to tax compliance, according to the National Taxpayer Advocate, a burden that will rise significantly thanks to Obamacare.
  8. $1,000,000,000,000-New revenue raised by Obamacare in its first 10 years alone, according to the Congressional Budget Office, sums that will only rise in future decades.

Truncated, Source:  The Christian Post