Patterico's Pontifications

10/25/2013

If You Like Your Health Care Plan, You Can Keep It . . .

Filed under: General — Patterico @ 7:42 am



. . . it will just be more expensive with a far higher deductible:

“I was completely happy with the insurance I had before,” Willes said.

So she was surprised when she tried to renew her policy. What did she find out?

“That my insurance was going to be completely different, and they were going to be replaced with 10 new plans that were going to fall under the regulations of the Affordable Care Act,” she said.

Her insurer, Kaiser Permanente, is terminating policies for 160,000 people in California and presenting them with new plans that comply with the healthcare law.

“Before I had a plan that I had a $1,500 deductible,” she said. “I paid $199 dollars a month. The most similar plan that I would have available to me would be $278 a month. My deductible would be $6,500 dollars, and all of my care after that point would only be covered 70 percent.”

Why does this sound familiar?

(Via Hot Air.)

155 Responses to “If You Like Your Health Care Plan, You Can Keep It . . .”

  1. Bet she voted for Obama.

    Steve57 (022c57)

  2. Dana’s gonna be PO’d at me. I got the first comment.

    Steve57 (022c57)

  3. F0rward!

    Chris (eafa5f)

  4. Don’t forget the 300,000 who had their policies canceled in Florida or the 800,000 in New Jersey.

    Basically, Obamacare is a chokepoint. You now only have one place to go.

    Even the Obamacare apologists illustrate what I’m saying. They claim that the Obamacare website crashes because of the high traffic. It’s just SO popular. We all know that is complete BS as it’s something like the 278th popular site on the web.

    But for sake of argument, let’s grant them that. High traffic is why it’s down. What does that mean? It’s not popular it’s the only game in town.

    Barack Obama has given us the Straight of Hormuz of health care.

    Steve57 (022c57)

  5. But it’s not the fault of Obamacare that people have to pay more for less coverage. That’s the fault of the insurance companies. And the Republicans.

    Chuck Bartowski (11fb31)

  6. Have the health insurance CEOs figured out yet that they got totally played? The government romanced/coerced them to get money and support for “reform” and then once passed, HHS mandated the coverage that every single policy had to have. So much for competition. So much for choice. Then they timed it to get the insurance companies to cancel their customers’ current policies while making it virtually impossible for either existing or new customers to sign up for the new Obamacare “replacement” policies.

    Every fan of Animal House could have seen this coming. And Nancy and Harry and Barack are laughing their butts off. “You effed up. You trusted us.”

    elissa (93f70f)

  7. The interesting question is whether the GOP will be able to extract concessions from the Democrats once they inevitably rush to delay the individual mandate until next year. If the GOP can’t get some sort of fixes to the program in exchange — e.g., the administration expands the conscience exemption to the contraception mandate — then they should agree to extend it only until July 1, 2014, and require that everyone be enrolled by November 1 or face the penalty. Wouldn’t it great to have that drop-dead date come right before Election Day?

    JVW (709bc7)

  8. ==That’s the fault of the insurance companies.==

    I know you were being sarcastic. But, yes. All part of the well planned narrative about “greedy” insurance companies that was long ago written and prepared by the Progs for LI voters like Tlaloc and the economic illiterate media lapdogs.

    elissa (93f70f)

  9. How the f*** will you get free health insurance for Peter if you don’t rob Paul? How?

    nk (dbc370)

  10. Tlaloc is not low information, he’s lowlife. He knows iBambi is robbing the workers to feed the drones and he’s all for that.

    nk (dbc370)

  11. Tlaloc is not low information, he’s lowlife. He knows iBambi is robbing the workers to feed the drones and he’s all for that.

    Agreed. Tlaloc is an intelligent guy who is of the far left and believes in collectivism and subordinating oneself to the majesty of the state, as represented by the dictates of the bureaucracy. Of course this is only when the state is controlled by people with whom he agrees.

    JVW (709bc7)

  12. elissa, in part its not sarcastic. The insurance companies got coopted by Obama so that they would not spend money running ads against Obamacare.

    To be frank, I think that the insurance companies think that when Obamacare collapses that they’ll get the contracts to administer single payer.

    Tlaloc is simply a brazen liar. I found DRJ’s pointing that out yesterday – using Tlaloc’s own link – pretty hilarious.

    SPQR (2939bb)

  13. What amazes me is how such people would never, ever accept someone from Team R doing precisely the same thing. And yet they go on and on about how partisanship is a bad thing.

    Maybe so. But hypocrisy is worse.

    Simon Jester (c8876d)

  14. 10. You got me on a technicality, nk. In a moment of honesty Tlaloc self confessed that he’s a Marxist yet he spouts (and regularly links to) the narratives and “math” of the clueless Obamabots when he comes here.

    elissa (93f70f)

  15. I hate Marxists.

    SPQR (2939bb)

  16. Hot Air posted Kirsten Powers admitting not only is her healthcare more expensive but she thinks the entire law should be postponed a year.

    ratbeach (f5aad4)

  17. =To be frank, I think that the insurance companies think that when Obamacare collapses that they’ll get the contracts to administer single payer.=

    I think for the insurance lobby that may well have been a long term hope, or even a strategy. But I believe they were counting on a slow multi year bleed out before that could happen. They did not expect Obamacare to crash and burn before takeoff. Most of the insurance companies and their employee base will not survive this in order to be around to participate in administering the spoils of their system under single payer. Acorn and the unions will be, though.

    elissa (93f70f)

  18. elissa, yep.

    SPQR (2939bb)

  19. Remember that I’ve been saying that there would be bipartisan calls for repeal by end of 2013 for months now.

    And its getting closer and closer to making my prediction come true. Oh, so close.

    SPQR (2939bb)

  20. Racists!

    redc1c4 (abd49e)

  21. Flailalot is one of those Marxists who is sure they will be among the nomenklatura when teh reLoveution happens…

    forgetting, of course, that come the revolution, the first people fed to the wolves are the minions.

    redc1c4 (abd49e)

  22. Like Iowahawk said, rooting for Ocare to fail is like rooting for the law of gravity.

    Sarahw (b0e533)

  23. Poor Tlaloc. First yesterday’s incident with the toaster and then he had to rush off for the prostate exam. With all that attention, he needs to be careful about who’s poking around down there. Especially with his new policy’s $6800 deductible.

    bobathome (c0c2b5)

  24. Why couldn’t “Team R” have put out a sipleclear message when this is all started? “If you are middle class, you are going to get raped”. Rhetorical question. I’ll tell you why. Because there is no Team R. It’s a bunch of self-seeking little crapweasels, indistinguishable from their Democrat couterpart, being pulled this and that by their special interests, and caring only about being reelected. A simple, clear message would terrify them in that it might turn enough people against them to make them lose their place in the public trough.

    And all my talk about Reno aside, I am going to see if I can buy into an IBambicare exchange now for less than I am paying for my COBRA and cancel my COBRA before my eligibility runs out in 2015 anyway.

    nk (dbc370)

  25. “Have the health insurance CEOs figured out yet that they got totally played?”

    elissa – They got bludgeoned and shamed into participating. Obama inventing tales of how his mother was denied treatment by evil insurers on her deathbed. Nationwide study of policy rescissions by insurance commissioners suddenly pops up and draws national attention. Sebelius publicly announces HHS will review large price increases requested by insurers even though they have no authority to do so. Plus specter of public option is still on the table.

    No sane health insurance CEO wants to jump into bed with the federal government which knows nothing about the private sector, adding another layer of regulation in an already heavily regulated industry. If you were a mono-line health insurance company you were forced into taking a seat at the table in order save your company and possibly shape legislation on the margin. Many multi-line insurers exited individual health insurance altogether or in selected states.

    In many ways the environment is similar to what Mitt Romney faced in Massachusetts. The Democrats were planning to pass some form of universal health coverage in the state. Should he have chosen to get out of the way and done nothing, letting them pass single payer government care, which is what many of them wanted, or get out in front and try to shape something more palatable in the face of the inevitable.

    daleyrocks (bf33e9)

  26. Anyone who looses their healthcare insurance due to Obamacare should post that fact on their Facebook page and send out a tweet to that effect. Let’s use social media to inform America about what harm Obamacare is doing. Also, if you have lost your job or had your hours cut to below 30 hours per week, post and tweet that too.

    Zoltan (d5ef99)

  27. Kirsten Powers is an honest liberal. I know, I know…I saw her segment on O’Reilly. She has totally turned around.

    I predict the next step in the O-care debacle is that the Dems will discover a secret cabal of insurance executives (many of them Jewish, but I am not bigoted) who got together and formulated a protocol to destroy O-care. And take over the world.

    Patricia (be0117)

  28. Tlaloc is not low information, he’s lowlife. He knows iBambi is robbing the workers to feed the drones and he’s all for that.

    Exactly right, nk. Tlaloc knows what’s going on, and he’s deliberately lying.

    If you make a law requiring insurance companies to offer more services and accept people with pre-existing conditions and not charge those with pre-existing conditions any more than those without such conditions, then the cost of insurance must go up. And a side effect is that all polices which did not conform to the new law must be scrapped in favor of policies which do conform.

    But Tlaloc and his fellow travelers just smile and say, “The law doesn’t force any of that, that’s all the fault of the insurance companies.” It’s disingenuous at best. However, in the case of Tlaloc, I’m not inclined to assume the best: he’s being intentionally deceitful.

    Chuck Bartowski (11fb31)

  29. At my place of employ, we are in open enrollment. I just finished mine and we got lucky, on cost, as it went up only a bit and my preferred HSA was the least changed. The folks on the other plans were not overly happy with the changes to theirs though, and the “tax” or fee was not included (assumed to be $63 for our cost, the rest picked up by corporate as a cost a $210/year or, but they are not positive it won’t be higher)so we have that to look forward to as well.
    The basic plan that is now the cheapest is slightly less than my current cost, but would only do for someone really young who didn’t want to pay the fine/tax/whatever they call it for not having coverage … as coverage goes it sucks.

    JP Kalishek (9b6108)

  30. 9. How the f*** will you get free health insurance for Peter if you don’t rob Paul? How?

    Comment by nk (dbc370) — 10/25/2013 @ 8:21 am

    Just remember that Paul is a selfish turd for not wanting to give everything he’s earned to the collective.

    Flailoc will be along shortly to demonstrate the concept, I’m sure.

    Steve57 (022c57)

  31. Oh, I understand what they were “trying” to do daleyrocks, and the pressure they were under. But in the process of trying to save their companies against a powerful and unethical and untruthful enemy they actually hastened their own demise and to an extent gave some short term political cover to Obamacare in the press while doing so. That is my opinion,anyway.

    I’m sure you know some people in the industry as I do. The ones I know (midlevel admins and marketing types) are beside themselves.

    elissa (93f70f)

  32. “I predict the next step in the O-care debacle is that the Dems will discover a secret cabal of insurance executives (many of them Jewish, but I am not bigoted) who got together and formulated a protocol to destroy O-care. And take over the world.”

    Patricia – Didn’t you know that is why Obama is supporting that benevolent social organization, the Muslim Brotherhood and getting close to Iran?

    daleyrocks (bf33e9)

  33. Patricia: Perhaps they’ll write a book about that. They could call it — oh, I’ll just spitball a prospective title for them — perhaps something along the lines of “The Protocols of the Meetings of the Learned Elders of Zionist Health Insurance Company Executives”.

    The movie version will be the biggest hit since “The Incredibly Strange Creatures Who Stopped Living and Became Mixed-Up Zombies”.

    PCachu (e072b7)

  34. 22. Iowahawk is in a league of one.

    25. I’m convinced, apart from the incidental AARP and United Health.

    More of that extortion we’re hearing about.

    Even with a working website we’re not going to vastly increase the number of uninsured.

    Great effin’ job Barky.

    gary gulrud (dd7d4e)

  35. I don’t like my President, and I don’t want to keep him.

    Elephant Stone (6a6f37)

  36. 24. Hey sicko, I think our clique’s collective IQ is set to rise.

    gary gulrud (dd7d4e)

  37. Unsustainable:

    http://www.breitbart.com/Big-Government/2013/10/25/report-benefit-recipients-outnumber-full-time-workers

    You can confiscate all the income of the top 1% from here on but that amounts to the amount saved in the squeester.

    And leaves a nation of baristas to support their parents and the government in the manner to which they are accustomed.

    gary gulrud (dd7d4e)

  38. gary @25 – AARP makes hundreds of millions off the senior market and did not disclose its conflicts of interest in supporting Obamacare.

    Individual and group health insurance (excluding Medicare and Medicaid admin) makes up less than half of UnitedHealth’s revenues these days, but I would view a decision to exit that segment as equivalent to shutting the company down given its roots.

    daleyrocks (bf33e9)

  39. Also, AARP is not an insurance company.

    daleyrocks (bf33e9)

  40. The ACA mandated that any plan issued after it became law would have to meet the ACA guidelines or be cancelled as of 1/1/14. All those plans issued since 2010 are now being cancelled, since very few met the coverage guidelines.

    In California, btw, none did since California now requires coverage of ancillary services such as acupuncture and chiropractic at much the same rates as MDs.

    Kevin M (bf8ad7)

  41. AARP was mainly interested in minimizing the damage to Medicare. They traded their support for that. They will next be heard when the idea of merging Medicare with the exchange system comes up — what was fine for the rest of us will NOT be fine for them. They’ll have reasons.

    Kevin M (bf8ad7)

  42. Remember that I’ve been saying that there would be bipartisan calls for repeal by end of 2013 for months now.

    If HHS has any brains, they will be frantically rewriting the failed national web site, probably porting the California code. They will get rid of the crazed front end validation and make it work like a normal commerce site where you choose everything before you register, zeroing out the workload on their back end connections.

    Then when it works, they would hope everyone forgets and enjoys their new freedom of government-run health care.

    I may have lost everyone, though, at “if HHS has any brains…”.

    Kevin M (bf8ad7)

  43. BTW, in discussing Obamacare and cancellations with other people, I’m hearing a lot of “I’m all right, Jack!” from folks with Medicare or an employer plan.

    As in: “First they came for the self-employed, and I was not self-employed so I did not object.”

    Et cetera.

    Kevin M (bf8ad7)

  44. These insanely high deductibles that accompany the “low monthly premiums” will eventually cause even the lowest information voters to choke on their Obama pom poms once they go get their twisted ankle x-rayed and find out what having a $6000 deductible means.

    Elephant Stone (6a6f37)

  45. Without question fewer people will be covered as a result of Obamneycare. Without question millions of families will have a major financial hardship as a result either way, either because keeping coverage will exhaust their resources or occasionally because someone who lost coverage will have a major medical problem.

    This has already badly damaged hiring. Now it will damage consumer spending.

    Every Republican who voted for cloture should be primaried out of office.

    Dustin (303dca)

  46. Of course, daleyrocks.

    Good idea, Pcachu! I bet they drink the blood of people with preexisting conditions, too.

    Patricia (be0117)

  47. Last night, I posted on my YouTube channel a KPIX-TV report from October 24, 2013 about a Marin County woman “who supports ObamaCare,” but whose husband’s health plan was canceled by Kaiser Permanente because it falls short of (so-called) Affordable Care Act requirements. Her family’s only alternative thru “Covered California”: a plan that jacks up their monthly premium from $287/month to … wait for it … drum roll please …

    $595/month!

    Watch the whole thing here.

    L.N. Smithee (486fef)

  48. This is what happens when low information voters elect a low information President.

    Elephant Stone (6a6f37)

  49. Tlaloc’s meme that state exchanges are doing better confirmed to be just a bunch of bull dookey. From his home state:

    Officials for Oregon’s health insurance exchange on Thursday reported some progress, but acknowledged a major fix to the problem-plagued site may not happen this month as hoped.The website still has not enrolled anyone.

    Earlier this month officials at Cover Oregon said they expected the site to let insurance agents and certified application assisters to enroll people by Halloween.

    Spokesman Michael Cox said that timeline is now a goal, rather than an expectation. “We’re not going to rush out a system that we are not satisfied with.”

    The latest update on timing of the fix — arguably the biggest facing coveroregon.com — comes after the site initially was supposed to let consumers enroll themselves beginning Oct. 1. That was changed to letting only insurance agents and application assisters enroll people through the site. Then the state announced that plan, too, would be postponed, but that the problem preventing agents from enrolling clients likely would be fixed by the end of October.

    http://www.oregonlive.com/health/index.ssf/2013/10/cover_oregon_some_significant.html#incart_more_business

    RTWT

    daleyrocks (bf33e9)

  50. Comment by Kevin M (bf8ad7) — 10/25/2013 @ 10:25 am

    The ACA mandated that any plan issued after it became law would have to meet the ACA guidelines or be cancelled as of 1/1/14. All those plans issued since 2010 are now being cancelled, since very few met the coverage guidelines.

    In California, btw, none did since California now requires coverage of ancillary services such as acupuncture and chiropractic at much the same rates as MDs.

    Today’s main Wall Street Journal editorial has this explanation:

    ObamaCare’s Political Choices The Affordable Care Act exchange rollout debacle is rooted in deliberate decisions about coverage and control.

    The tenth through twelfth paragraph goes:

    This command and control model is also behind the wave of insurance cancellations nationwide. Insurers are liquidating business in the individual and small-business markets to comply with Affordable Care Act rules.

    The law included a grandfather clause that was supposed to honor President Obama’s vow that if you like your health plan you can keep it. But in the name of political control and equity among plans, HHS wrote regulations that are so restrictive that few plans qualify for the safe harbor. Thus the mandates on required health benefits, cost-sharing and so on apply to most policies even if they aren’t sold on an ObamaCare exchange.

    Last year, a Health Affairs study found that 51% of the policies sold to the 19 million consumers who buy on the individual market are inadequate under the Sebelius-Obama vision. By the time this trauma recedes, more Americans may lose current coverage than gain it through the exchanges. That doesn’t mean they’ll become uninsured. But they’ll have to accept some higher-cost replacement in lieu of what they voluntarily buy today.

    According to this what Obama claimed was originally supposed to be mostly true, but it was sabotaged by the regulations HHS wrote.

    The editorial does not explain any further.

    Sammy Finkelman (d22d64)

  51. Comment by Kevin M (bf8ad7) — 10/25/2013 @ 10:34 am

    If HHS has any brains, they will be frantically rewriting the failed national web site, probably porting the California code.

    I had the same kind of idea, but I was thinking of the state of Washington code, which sounds like it might be the best.

    Of course they won’t do it.

    It’s the back end that all sites have to use, though

    Sammy Finkelman (d22d64)

  52. L.N. Smithee–so she “supports” Obamacare but doesn’t like it very much. My take on that interview was that she would have been uncomfortable saying out loud in public what she was really thinking–“this Obamacare crap is costing us big bucks and sucks!”

    Thanks for posting the video.

    elissa (93f70f)

  53. “The editorial does not explain any further.”

    Sammy – There is no need for it to with respect to anybody with any passing familiarity with the subject matter.

    daleyrocks (bf33e9)

  54. Sammy – Obama has no control over what regulations his HHS issues. None.

    Go Cardinals.

    JD (98ca90)

  55. Does HHS work for Obama, Sammy? (Yes) Did congress spell out the specific insurance policy coverage requirements, Sammy? (No) If Obama was “sabotaged” (which of course he was not) he was willing to go along with it. The easier and more accurate answer is——He lied.

    elissa (93f70f)

  56. sab-o-tage: definition from thefreedictionary.com 2. Treacherous action to defeat or hinder a cause or an endeavor; deliberate subversion.

    SF: The implementers of a plan could, in theory, be delibrately subverting the visions of the creator of the plan. Since you are now struggling to be logical, I presume that you have some evidence supporting the notion expressed in #52 that HHS did indeed intentionally subvert Hte ONe$ vision as expressed in the 2700 page law created by Nancy Pelosi at his direction. Absent that proof, I suggest you try once again to condense your posting into one logical statement. You had been making such good progress. It is disappointing to see you slipping back to your old persona. Be careful with the words you choose. They have meaning.

    bobathome (c0c2b5)

  57. Olympia Snowe could have killed this disaster before it started. I keep forgetting her vote let it out of the senate finance committee.
    What a kick in the nuts that’s turned out to be.

    mg (31009b)

  58. ‘Porting’ code won’t work. As all the zillions of articles make clear, the only thing these websites do close to right is detect if you qualify for Medicaid and then shunt you to the Medicaid website that has already been up for years and call that success.

    The California site works in a similar manner. It shunts people to ‘Covered California’ if they don’t qualify for Medicaid and calls that good except people don’t like the prices there unsurprisingly enough.

    luagha (5cbe06)

  59. 40. Got it, they sell supplementary insurance, but that’s not relevant.

    gary gulrud (dd7d4e)

  60. 58. We who mastered grammar in 7th grade English salute you.

    gary gulrud (dd7d4e)

  61. We’ve a ways to go before we’re in Fukishima territory for “God’s face turned away category”.

    http://www.foxnews.com/world/2013/10/25/73-magnitude-earthquake-hits-japan/

    7.1 Temblor today, typhoon tomorrow.

    gary gulrud (dd7d4e)

  62. 57. Comment by elissa (93f70f) — 10/25/2013 @ 12:42 pm

    Does HHS work for Obama, Sammy? (Yes) Did congress spell out the specific insurance policy coverage requirements, Sammy? (No)

    But the thing is, there was a grandfather clause. That’s what Obama was talking about. It was a half truth, but it actually meant something.

    If Obama was “sabotaged” (which of course he was not)

    No, Obama wasn’t sabotaged, but the people in Congress who voted for the law on that understanding, were.

    It sounds like that provision of the law was sabotaged. The next question is if that ws planned all along, or not.

    he was willing to go along with it.

    Obviously, or completely out of touch. It sounds like possibly somebody successfully lobbied. But maybe that was in the cards all the time, and people really familar with the characters involved or semi-coded language would have known was going to happen.

    The Wall Street Journal says it was done “in name of political control and equity among plans”

    Now wait. Nobody does things “in the name” of political control. They may do for the purposes of political control but I don’t know if anyone would think that an admirable purpose. So that sentence sounds a little bit garbled. But with enough doubletalk, who knows?

    But “in the name of equity among plans” makes sense. That is, it make sense as an excuse.

    What I’d like to know is just what regulations did they impose?

    And was there a reason to think that was unexpected?

    The easier and more accurate answer is——He lied.

    To some Democratic members of the House and Senate to get their votes for the bill.

    It was a half-truth anyway, because if an employer cancelled a plan, they couldn’t keep it, and if an employer changed it they might lose their doctors. And keeping their plan only applied if they had it already in 2010.

    Sammy Finkelman (4d9cfa)

  63. 60. Comment by luagha (5cbe06) — 10/25/2013 @ 12:55 pm

    ‘Porting’ code won’t work. As all the zillions of articles make clear, the only thing these websites do close to right is detect if you qualify for Medicaid and then shunt you to the Medicaid website that has already been up for years and call that success.

    They also register people on the website, and let them browse.

    But they have to use the federal systemm for one or two things:

    1) Calculate and issue the discount.

    2) Transmit information to an insurance company. Now this is strictky speaking a requirement, but without the system doing it, there is no discount.

    Now there is a lawsuit pending saying that the plain text of the law allows for no subsidies/discounts except for policies bought on a state exchange AND THE FEDERAL SITE HEALTHCARE.GOV HAS NO BUSINESS gRANTING SUBSIDIES IN 36 STATES, (and the legislative history bears that out too, as they wanted to create an incentive for a state to create its own exchange.)

    Sammy Finkelman (4d9cfa)

  64. The CBS interview posted by the host was great.
    Ms. Willes sees her monthly go up about 40% and is out of pocket another $80 a month.
    Her deductible skyrocketed and nearly quadrupled to $6500, and over that she’ll be on the hook for 30%.
    Ms. Willes is screwed. She really only has useful coverage if her needs rise above a $6500 annual threshold. My guess is her prescription costs went up too and maybe her co-pay. (I think I saw a bronze plan with a $65 co-pay, but if she is in a 70% plan she is Silver) I don’t know if she has an out of pocket expense cap on her plan.

    But then this Mr. Kominski pops into the story and says this:”You’re paying more for a better product and for more protection — and “You’re paying more for a better product and for more protection — and you won’t understand the value of that until you need it,”,”

    1. Better product.
    How so?

    2. More protection
    From a catastrophe?

    3. “You’re paying more for a better product and for more protection — and you won’t understand the value of that until you need it,”

    Great sales pitch that sorta sounds like we’ve got to pass this bill so we can see what is in it, but this time it is you’ve gotta buy this to understand what is in it.

    steveg (794291)

  65. My insurance company noted that the new premiums all include taxes that average 6% of the premium.
    But it seems to me that the people who choose the lower tier plans pay more in fees and taxes.
    I may be interpreting this wrong, but it says:

    PCORI Tax
    $2 per member per month

    Health Insurer Tax (offset for assistance)
    2.3%

    Transitional Reinsurance Tax
    $5.25 per month

    California Exchange Tax
    $13.95 per month

    Risk Adjustment Tax
    $.96

    Unless I am wrong it looks like Ms. Willes is paying nearly 10% ACA taxes on her premium

    steveg (794291)

  66. imagine you where perfectly happy with your POS old car that got you to work and back every day and was easy on gas … now the Feds say you must buy a new BMW because they have decided its “better” for you (at 3 times the cost) …

    Yes, its a better car but it most certainly is not “better” for YOU …

    JeffC (488234)

  67. 68. Cash for you clunker, anyone?

    Careful, taxable income, wouldn’t want to run afoul of the IRS and you 404care subsidy.

    gary gulrud (dd7d4e)

  68. jeffc, that is the perfect analogy.

    I don’t need a health care plan. I need health insurance in the real sense of insurance where I don’t use it but know it’s there in case of a catastrophe.

    sure, this health insurance had a high deductible and didn’t cover birth control or a ton of other things I had no intention of using, but I get sick once every three years and pay for the antibiotics out of pocket. Forcing me into a health care plan with a ton of features I won’t use at a drastically higher price than I was paying is simply ripping me off to subsidize vote buying from the dependency class.

    It’s like forcing me to commute to work at 35 mph in a 600 hp Porsche at my expense. I do not benefit.

    We’ve already suffered much of the damage to hiring, and we’re now going to see the damage to consumer spending as young healthy Americans who should be saving up and building their lives, businesses, homes, etc are forced to subsidize democrat voter outreach.

    Dustin (303dca)

  69. Anyone see the last Law&Order SVU? For some reason made me think of this site. :)

    Mayoral candidate, Facebook, anonymous online pickups, less than safe for work pics…

    Dan S (00fc90)

  70. Heh… “I’ve been hacked!”

    Dan S (00fc90)

  71. What’s happening with CA group health plans? Calpers is being awfully silent. What other choices besides cancelling the plans or being considered Cadillac are there? Is there such a thing as just ACA-compliant?

    Patricia (be0117)

  72. I’ll pay you on tuesday for a health care plan today, president pretend.

    mg (31009b)

  73. Yep… and in comes the underaged girl. I know where this plot idea came from.

    Dan S (00fc90)

  74. It’s worse: Medicare Advantage plans cutting doctors to meet ACA cost containment goals.

    The are 2.6 million elderly New Yorkers who receive Medicare, the public heath-insurance program for the elderly.

    But one in three patients — nearly 900,000 — are enrolled in Advantage, Medicare HMOs run by private insurers.

    Dr. Jonathan Leibowitz, who serves 30 patients under Medicare Advantage at his Brooklyn practice, said he was blindsided by UnitedHealthcare’s decision to give him the boot.

    “A patient can’t see his doctor? What are they doing!” he asked.

    UnitedHealthcare told Leibowitz that because of “significant changes and pressures in the health-care environment,” he’d be getting the ax on Jan. 1.

    Note that Medicare Advantage is targeted to the two most needy groups of Medicare patients: those who can no longer manage their own health care due to infirmity, and those who cannot afford the supplement plans and need an HMO approach to avoid most co-pays.

    I can only imagine how terrifying it could be if one is mentally impaired and infirm and they take away the doctors you chose when you could still make those kinds of decisions. Of all people to make into collateral damage, this is just shameful.

    Kevin M (bf8ad7)

  75. This Obama person is not a very good President.

    Elephant Stone (6a6f37)

  76. Shorter #76: Obama is throwing granny out into the snow.

    Kevin M (bf8ad7)

  77. Obama loves snow angels, he’s just helping the aged make them.

    Dan S (00fc90)

  78. I am waiting to see the interviews with the happy newly insured. I could name a few, but here’s one I know of:

    Woman, 60, never insured. Grossly obese smoker with Type 2 diabetes who has never held a steady job since she immigrated many years ago. She gets by with short-term gigs and the kindness of strangers, especially government strangers. Currently living in public housing and on general relief. To her credit she has conquered her alcohol problem.

    She’s a big fan. She’ll get top-notch health care for no money. But for some reason I never see folks like that being interviewed. Can’t imagine why.

    Kevin M (bf8ad7)

  79. It’s prolly just one of those crazy coincidences but Michelle’s Princeton classmate is an executive at the company that got the contract to build and screw up the Obamacare website.

    http://dailycaller.com/2013/10/25/michelle-obamas-princeton-classmate-is-executive-at-company-that-built-obamacare-website/

    elissa (93f70f)

  80. CGI also has contracts with the EPA for ‘cloud computing’ from her Zoominfo page.

    narciso (3fec35)

  81. Michelle’s Princeton classmate is an executive at the company that got the contract

    The old-girl network.

    Kevin M (bf8ad7)

  82. narciso, impossible because we know that the EPA global warmening models don’t include modeling code for clouds.

    Pious Agnostic (ac89e5)

  83. They seem to be very busy, this was around the time the Canadian health authority suspended them;

    http://www.govconwire.com/2012/09/cgi-federal-wins-143m-army-intelligence-support-contract/

    narciso (3fec35)

  84. In other news:

    Tipping point: More Americans get means-tested aid than work full time.

    Kevin M (bf8ad7)

  85. Granny won’t be around long to vote.

    The only thing that wasn’t predicted when it was proposed is that the website would be a GCF (Giant Cluster Fsck.)

    Any day I expect to see ads for tech-surge programmers who know can use the Force and cross-circuit to B.

    htom (412a17)

  86. First Stud Michelle must have a lot of muscle to swing that deal.

    mg (31009b)

  87. htom,

    Well when reports came out in that the website was miscalculating simple arithmetic during tests, I knew the hard parts would be worse. And they are.

    I do not believe for a moment the contractor claims that their stuff works in isolation, and even if it did saying that “only integration” remains to be done is like saying “the plane’s wings and cockpit and landing gear individually work, now we just have to bolt it together, as though that was simple.

    It will take them 6 months to a year to get this right.

    Kevin M (bf8ad7)

  88. R.I.P. Hal Needham, writer/director of Smokey And The Bandit

    Icy (dec980)

  89. This was the link I was talking about earlier;
    http://govit.sys-con.com/node/2304155

    narciso (3fec35)

  90. On the crony side, I also read that Krystal Ball is a former employee on Teal or Treal, one of the website’s designers–which means it’s just a shell designed to attract government contracts and give a job to out of work hacks.

    Patricia (be0117)

  91. One gets the impression the 404care website isn’t primarily designed to do its job. Mining the client is its avocation.

    http://www.breitbart.com/Big-Government/2013/10/25/McAfee-Bizarre-Healthcare-gov-Doing-Denial-Of-Service-Attack-On-Itself

    Running 50 programs on the client computer is a Nigerian scam artist dream.

    gary gulrud (dd7d4e)

  92. Patricia #73

    Blue Shield of CA has some ACA compliant plans

    steveg (794291)

  93. 36. Gary, some people just won’t give up on team r. It was easier giving up on them, than cutting loose from the bottle.

    mg (31009b)

  94. 96. We are in the very best of hands, top men:

    http://www.digitalattackmap.com/#anim=1&color=0&country=ALL&time=16003&view=map

    I’m inclined to believe the contractor “The site is working as designed”.

    Its just another $Billion in the Progs kickback piggy bank.

    And the GOP’s response: Let the Amerikkkan people kill this thing, we’ve got meetings all day, let us eat our bananas foster.

    gary gulrud (dd7d4e)

  95. So even tho it can’t be fit in by Boehner until after the next Shutdown fight, circa Jan. 15, Ryan is still working on Amnesty for the Chamber of Commerce.

    Pull the plug already, the patient is brain dead.

    gary gulrud (dd7d4e)

  96. Well the T-4 virus, hasn’t taken hold completely

    narciso (3fec35)

  97. What does America expect from President Armslength Onthedole? We already know that a lot of Americans who liked their jobs couldn’t keep them under his reign. He’s the King of Incompetence who surrounds himself with other incompetents.

    Colonel Haiku (cefabd)

  98. We’ve already suffered much of the damage to hiring, and we’re now going to see the damage to consumer spending as young healthy Americans who should be saving up and building their lives, businesses, homes, etc are forced to subsidize democrat voter outreach.

    I wonder how the idiocy of Obamacare will affect the economy over both the short and long run? So far, the attitudes of far too many people (based on recent opinion polls) appear to be surprisingly complacent and as equally what-me-worry foolish as the ACA law is and — certainly if they’re Democrats — the person they put into the White House.

    During the Great Depression of the 1930s extending into the 1940s (ended only because of the outbreak of WWII), instead of the impact of an Obamacare there was the effect of Roosevelt’s (and Hoover’s) draconian tax increases. In spite of lunacy like that and other things fostered by the “New Deal” — not to mention FDR being in his own way as leftwing duplicitous as Obama is — a large majority of Americans continued to give FDR a big pass.

    I hope history isn’t repeating itself.

    Mark (58ea35)

  99. If it accomplishes nothing else, this will at least highlight the administration’s outright lies:
    http://www.ronjohnson.senate.gov/public/index.cfm/2013/10/johnson-to-introduce-act-to-allow-american-s-to-keep-their-healthcare

    Icy (dec980)

  100. iTunes is not designed to play music for you, though it does so.

    iTunes is designed to make it as easy as possible to spend money at the Apple Store.

    luagha (fa18eb)

  101. I’ve spent very little money at the Apple Store. I used iTunes to transfer 8,000 or so songs from CD’s onto my hard drive and my iPod. (I got a lot more in trade for those CD’s than I’ve ever spent at the Apple Store)

    Icy (dec980)

  102. Even the Obamacare apologists illustrate what I’m saying. They claim that the Obamacare website crashes because of the high traffic. It’s just SO popular. We all know that is complete BS as it’s something like the 278th popular site on the web.

    But for sake of argument, let’s grant them that. High traffic is why it’s down. What does that mean? It’s not popular it’s the only game in town.

    Appears not to be quite that….

    Obamacare’s Website Is Crashing Because It Doesn’t Want You To Know How Costly Its Plans Are
    Seriously… A Good piece.

    Smock Puppet, Gadfy, Racist-Sexist Thug, and Bon Vivant All In One Package (fc9290)

  103. So far, the attitudes of far too many people (based on recent opinion polls) appear to be surprisingly complacent

    This is because the process is structured to affect a minority of people at any one time.

    Currently, people with existing employer plans, Medicare, private retirement plans and some grandfathered individual plans are not affected.

    People with Medicaid and or involuntarily without insurance are positively affected, or would be once the web site “works” somewhere around Turkey Day.

    Only a portion of the 25 million people with individual insurance have received cancellation notices. They are generally unhappy but being less than 10% of the population they don’t have that much clout. Since they are disproportionately self-employed, responsible, and more Republican than the average they get no respect from the President or his party or their news media.

    Kevin M (bf8ad7)

  104. Shorter 108: “I’m all right, Jack”

    Kevin M (bf8ad7)

  105. Icy,

    Wow, ol’ Mr. Hal Needham has passed.
    He is considered to be one of the greatest stunt men of all time.
    He actually was interviewed by Dennis Prager on air, about three years ago, or so.

    Elephant Stone (6a6f37)

  106. Much as with godfather 2, where John Stewart mislearned the history of preCastro Cuba,

    narciso (3fec35)

  107. I was looking at Needham’s extensive stunt credits at IMDB, and one of his earliest is for William Wyler’s 1958 western, “The Big Country,” starring Charlton Heston, Gregory Peck, and Burl Ives.
    There’s that famous knock-down, drag-out fight scene between Heston and Peck, and I wonder if Needham wasn’t involved in doing some stunts for that.
    He probably did the stunts involved in the shoot-out sequences toward the end, as well.

    Elephant Stone (6a6f37)

  108. Since they are disproportionately self-employed, responsible, and more Republican than the average they get no respect from the President or his party or their news media.

    I sometimes wonder what it must be like to be a practical-minded, sensible, right-leaning person living in (trying to survive in) a country like France, Mexico or Argentina, much less Venezuela. I sure hope that isn’t a scenario for various people in the US’s future.

    The following fascinates me (sort of like coming upon the scene of a major car accident) because for anyone who believes that the debacle of the US’s city of Detroit, etc, is somehow purely demographic driven, he or she needs to know that Argentina is a society of around 97 percent European extraction. Or is far more mono-racial than just about any other society in this hemisphere. Yet it reportedly now has the highest robbery rate of any nation throughout the Americas.

    online.wsj.com, June 2013: Argentine president Cristina Kirchner made the first cabinet shuffle since the start of her second term in 2011, replacing the country’s security minister amid growing public concern about crime. The move comes as the country’s high crime rate continues to worry Argentines, and the issue is likely to play an important role in November’s midterm congressional elections.

    An April survey from respected local pollsters Management & Fit found that Argentines’ top concern is crime, followed by inflation, unemployment and corruption.

    The government is hoping to hold onto, and expand, the majority coalitions it enjoys in both chambers of congress. Political pundits say the government is hoping to lock in a super-majority in the legislature, giving it the votes needed to reform the constitution and remove term limits. Ms. Kirchner succeeded her husband, Nestor Kirchner, to the presidency in 2007, and is currently barred from seeking a third term in 2015.

    However, the government faces an uphill battle. The president’s approval rating has slumped recently as economic growth slows, crime rises, a series of corruption allegations have surfaced and following passage of a judicial reform bill that critics say threatens the independence of the courts.

    In April, Ms. Kirchner’s approval rating had tumbled to 29%, continuing the steady decline since her 2011 re-election with 54% of the vote, according to Management & Fit.

    ^ The arrogance and chutzpah of US’s left is no less absurd than that of their counterparts in Argentina. IOW, I imagine a good number of dyed-in-the-wool Democrats would love a third term for Obama, just as their predecessors kept giving a nod to Roosevelt back in the 1930s-40s.

    Don’t cry for us, Argentina.

    Mark (58ea35)

  109. 92. On the crony side, I also read that Krystal Ball is a former employee on Teal or Treal, one of the website’s designers–which means it’s just a shell designed to attract government contracts and give a job to out of work hacks.

    Comment by Patricia (be0117) — 10/25/2013 @ 7:49 pm

    Anybody named Krystal Ball should be working as a stripper.

    Steve57 (022c57)

  110. I see that Obamacare is working as designed.

    http://www.weeklystandard.com/blogs/millions-americans-are-losing-their-health-plans-because-obamacare_764602.html

    …According to health policy expert Bob Laszewski, roughly 16 million Americans will lose their current plans because of Obamacare:

    The U.S. individual health insurance market currently totals about 19 million people. Because the Obama administration’s regulations on grandfathering existing plans were so stringent about 85% of those, 16 million, are not grandfathered and must comply with Obamacare at their next renewal. The rules are very complex. For example, if you had an individual plan in March of 2010 when the law was passed and you only increased the deductible from $1,000 to $1,500 in the years since, your plan has lost its grandfather status and it will no longer be available to you when it would have renewed in 2014.

    These 16 million people are now receiving letters from their carriers saying they are losing their current coverage and must re-enroll in order to avoid a break in coverage and comply with the new health law’s benefit mandates––the vast majority by January 1. Most of these will be seeing some pretty big rate increases.

    All the while Obama and other Democrats were running around saying you could keep your plan if you liked, they were lying and they knew it.

    This is just the individual market. When you look at people who will be losing employer-provided coverage the 16 million figure will no doubt double.

    Not only are more people losing coverage under Obamacare then buying insurance on the exchanges, it his highly likely that more people will lose coverage than Obamacare was advertised to supply with coverage in the first place.

    Speaking of buying insurance on the exchanges.

    http://www.bloomberg.com/news/2013-10-25/all-the-wrong-people-are-getting-obamacare.html

    The state insurance exchanges have been the highlight of a so far dismal rollout process for the Patient Protection and Affordable Care Act. When Obamacare’s supporters are challenged on the law’s merits, that’s where they point to show that the new insurance markets can work — if governors are committed to making them work.

    But a CBS News report discusses a growing source of disquiet: In almost half the states with exchanges, the overwhelming majority of enrollments are coming from Medicaid, not the new insurance markets — 87 percent in Washington, 82 percent in Kentucky and, last time I looked, 100 percent in Oregon (which delayed opening its insurance exchange in order to work out technical bugs). The Medicaid expansion side of the bill seems to be working fine in the states that opted for the expansion. But the private insurance side doesn’t seem to be getting a lot of pickup.

    That’s a problem for three reasons…

    Actually that’s a problem for more than three reasons. The feds are temporarily paying for 100% of people newly qualified for Medicaid in the states that opted to expand Medicaid.

    Which means taxpayers in states that didn’t are bankrolling the states that did.

    But that’s not even the whole story. The feds are not paying for enrollees that were previously eligible for Medicaid before the expansion, but hadn’t signed up. Many of those new Medicaid enrollees will fall into that category, which means it will be entirely up to the states to foot the bill.

    Furthermore, for every dollar the states get from the federal government, they have to pay an additional .30-.40 cents to cover the costs of the expansion.

    Finally, the federal government will not foot 100% of the bill for the new enrollees for very long.

    As I said, Obamacare is working exactly as intended.

    Steve57 (022c57)

  111. Apparently the House Energy and Commerce committee reached out to anti-virus developer John McAfee to diagnose the problems with Obamacare. He eventually turned them down, but gave the email he received to USA Today.

    http://www.usatoday.com/story/tech/2013/10/24/john-mcafee-says-he-turned-down-government-request/3178727/

    He discusses the problems of the Obamcare sites in this audio. Very interesting and well worth a listen.

    http://www.youtube.com/watch?v=IQv2BL_Ms5c

    In a nutshell, it can’t be fixed. He says no one would design software like this except the government. It’s insane.

    Steve57 (022c57)

  112. I had another career after I left newspapers. I was fortunate enough to work for one of the largest technology companies in the United States as well as the world.

    That company had one of the largest, if not the largest, contract to modernize one branch of the Department of Defense.

    When I was invited to leave the company after the merger with a much larger company, the modernization still did not work as promised but it goes on today as far as I know.

    I tell this story because come the end of November, the Obamacare Web site will be declared a success.

    Regardless, it will not be because it can not be. The federal government is not structured in a way to reward efficiency and cost savings.

    And, I really don’t care how many sincere people protest or how many trolls drive by to try to protest.

    Healthcare.gov will fail and the entire focus of the federal government for the rest of my lifetime will be devoted to pretending Obamacare does work.

    Ag80 (eb6ffa)

  113. that’s incredible, narciso.

    must be the Koch brothers.

    MD in Philly (f9371b)

  114. Isn’t it, now the left points the squirrel at GGI’s involvement medicare part D, but that was an option, not a mandate,

    narciso (3fec35)

  115. SHOCKA!!!

    Toni Townes-Whitley, Princeton class of ’85, is senior vice president at CGI Federal, which earned the no-bid contract to build the $678 million Obamacare enrollment website at Healthcare.gov. CGI Federal is the U.S. arm of a Canadian company.

    Townes-Whitley and her Princeton classmate Michelle Obama are both members of the Association of Black Princeton Alumni.

    Icy (e3a4ae)

  116. Icy, did you post Marcia Wallace?

    nk (dbc370)

  117. Anybody named Krystal Ball should be working as a stripper.

    Comment by Steve57 (022c57) — 10/26/2013 @ 12:31 pm

    Thought you found them in fortune teller parlors, I did!

    Yoda (c1890a)

  118. The real problem though is no one cares.

    The vast majority of America do not vote and if it does, it’s just for a name it heard the other day on Jon Stewart because he’s funny.

    Did you vote in your last local election? Did you vote for a school board member or a city councilman?

    Were you informed about their opinions and what they would do if elected?

    Did you vote in a state election for someone you don’t know just because you needed to vote for someone?

    Those questions matter, because those people can step up to the next level and then they can get elected to important positions because of party machines, left or right.

    Everyone hates Congress, but by God, they keep voting for the same people.

    And, all of the sudden, a community organizer is the President of the United States and Wendy Davis may be the next governor of Texas and the world goes around.

    And we all say, how did this happen?

    My question is: How did this happen?

    Ag80 (eb6ffa)

  119. Would she take offense if I looked deeply into her?

    Yoda (c1890a)

  120. Sorry! Missed the Comment by elissa (93f70f) — 10/25/2013 @ 5:03 pm

    Icy (e3a4ae)

  121. R.I.P. Marcia Wallace, who played Carol on The Bob Newhart Show, and Mrs. Krabappel on The Simpsons

    [h/t ‘nk’]

    Icy (e3a4ae)

  122. Icy: I really hate to hear that. I certainly did not know her, but she was a part of my young life watching Bob.

    Ag80 (eb6ffa)

  123. Every candidate I voted for in November from President to mayor, lost last November.

    narciso (3fec35)

  124. Carol was the definition of “happy” for me when that show was on. She also took Mr. Skinner’s virginity ;).

    nk (dbc370)

  125. narciso:

    So, the solution is not to vote?

    Ag80 (eb6ffa)

  126. 107. A persuasive case identifying the crux of the problem. The actual professionals have no say.

    It really is hard for me to believe the end product could have been anyone’s pipe dream.

    Even if they’re going for ‘single payer’ at one stroke it is such a bizarre(as McAfee said) failure no one can with that fact in view can but believe government is an abomination.

    gary gulrud (dd7d4e)

  127. 130. I did well from the House of Representatives on down but that was all. I don’t expect to do that well again soon.

    gary gulrud (dd7d4e)

  128. 117. …Healthcare.gov will fail…

    Comment by Ag80 (eb6ffa) — 10/26/2013 @ 7:04 pm

    Yes, it will. Which isn’t unusual for government IT projects. By rolling it out without doing end-to-end alpha or beta testing the geniuses in charge of this virtually guaranteed that outcome.

    A commenter/contributer at NRO’s campaign spot explains:

    http://www.nationalreview.com/campaign-spot/362231/hhs-probably-cant-fix-it-end-november-and-thats-probably-too-late-anyway-jim

    I see so many large IT projects that never stabilize — lots of work is done, lots of bugs are fixed, and yet it never gets any closer to being able to go live. One of the most important metrics (and one of the few useful ones) towards the end of a software project is the find/fix ratio, that is, the number of bugs you are finding each week vs. the number you are fixing or deferring. If that ratio is greater than or equal to 1.0 — if you are finding as many or more new bugs each week than you are fixing or deferring, you’ll never ship. And if the ratio is less than 1.0, then you can start to project it out on a timeline and figure roughly when you’ll be ready to release the system.

    And this is why — as I discuss in this extract from a document I wrote 15 years ago about software quality assurance – you need to have strict controls on what changes are allowed to be made to the source code through the alpha and beta phases just before release. If you do not handle this process rigorously, you’ll just keep oscillating for weeks, months, or even years. I’ve seen it happen time and again.

    My father — who worked in electronics in the Navy for nearly 30 years — used to say to all us kids when we were growing up, “If you don’t have time to do it right, will you have time to do it over?” That is exactly the problem that the Obama Administration caused for itself (“We needed five years but only had two”), and it is exactly the problem that they face going forward.

    Briefly I was a computer systems engineer for a large defense/government contractor. Primarily because I had the requisite clearance and relevant experience from my time in the Navy. I worked in testing and training. I am not an engineer by profession and not even particularly technologically proficient. Which was ideal, because neither were our end-users engineers or expected to be particularly technologically proficient. Well, not always ideal for the software engineers since I didn’t speak their language so when I found a bug it wasn’t always clear from my write-up what was exactly the problem.

    It was now about 10 years ago when I last worked in the field, but I recall how meticulously we planned the testing protocols (which we later used to build the training materials). And the systems we were building were for a single agency, by comparison nowhere near as complex as what these federal exchanges are supposed to do. It is glaringly obvious that by making the political decision to have CMS, not a contractor, handle the project management they put people in charge of this who were in way over their heads. None of the planning appears to have been done, because no doubt they didn’t know it needed to be done.

    So I’m confident that the people saying that 5 million lines of code will have to be rewritten are woefully underestimating the size of the problem. Just like the people who are giving estimates of when this will be fixed are talking out of their colons. They will be proven wrong.

    Steve57 (022c57)

  129. This is up at the Green Room at HotAir tonight.

    http://hotair.com/greenroom/archives/2013/10/26/cbs-yeah-obamacares-woes-are-much-worse-than-wh-admitted/

    It confirms my assessment. Jeffery Zients says at approximately the 1:25 point there are two categories of problems haunting the site.

    Performance and function. Which means it’s not even ready for alpha testing. And he doesn’t really know what he’s doing. Reliability is a separate category.

    They’re going to find their “punch list” is not even close to being complete. Every possible type of problem an IT project could have, this has.

    Steve57 (022c57)

  130. I thought he was a bloodsucking Bain man, like the ones that the administration used for various schemes;

    http://www.americanthinker.com/2013/10/give_us_your_young_uninsured_and_dying_to_be_rooked.html

    narciso (3fec35)

  131. Uh Oh.

    This in the NY Times today:

    “Some economists say more inflation is just what the American economy needs to escape from a half-decade of sluggish growth and high unemployment.

    The Fed has worked for decades to suppress inflation, but economists, including Janet Yellen, President Obama’s nominee to lead the Fed starting next year, have long argued that a little inflation is particularly valuable when the economy is weak. Rising prices help companies increase profits; rising wages help borrowers repay debts. Inflation also encourages people and businesses to borrow money and spend it more quickly. “

    Kevin M (bf8ad7)

  132. It is not so much that they want inflation, as they want low interest rates. They argue for inflation because of the premise that more monetary stimulus leads to inflation.

    Sammy Finkelman (8a673f)

  133. 89. Comment by Kevin M (bf8ad7) — 10/25/2013 @ 5:55 pm

    Well when reports came out in that the website was miscalculating simple arithmetic during tests, I knew the hard parts would be worse. And they are.

    How do you make mistakes like that? Rounding errors? No, that would make mistakes in pennies. The stack must be overflowing.

    Theer are 3 main parts to the website according to the Saturday New York Times: 1) Creating accounts, 2) verification of information provided against other databases, and 3) selecting a plan, calculatimng any subsidy, and sending enrollment files to insurance companies.

    The first two parts were written by Quality Software Systems, which has now been put in charge repairing the site. These two parts are said to be working reasonably well now. The third part was written by CGI and can’t be used at all.

    The first part is the only part done by any states, as they do not verify the information and need to use the federal system to give any subsidies (they can enroll people in Medicaid by themselves)

    The first part could not handle the volume after browsing was disallowed. Quality Software Systema
    in charge about the consequences of disallowing browsing but were overruled. The fixes to part 1 have caused problems: 1) The browsing function only shows unsubsiidized prices for ages 27 and 50, but doesn’t properly label what it is showing
    2) A virtual waiting room (now removed) didn’t make any sense 3) asking people to enroll by mail, phone or in person doesn’t avoid problems, as people on the phone are still going to use the computer system.

    Part 2 involves checking databases and that maybe only has minor problems (but I recall E-verify has problems) Citizenship is checked either against Social Security or Homeland Security databases. Income information is checked with the IRS and possibly also with Social Security. A cr

    urging people to apply by phone

    I do not believe for a moment the contractor claims that their stuff works in isolation, and even if it did saying that “only integration” remains to be done is like saying “the plane’s wings and cockpit and landing gear individually work, now we just have to bolt it together, as though that was simple.

    It will take them 6 months to a year to get this right.

    Sammy Finkelman (8a673f)

  134. Accidentally sent too early.

    Veterans Health Adminsitration, Defense Department, Medicare , Pe

    They may also be doing some kind of credit check for income.

    Sammy Finkelman (8a673f)

  135. They are checking VA DOD, Medicare, the state Medicaid agency, to see if someone is already getting insurance somewhere else.

    Then we get to Parts 3 and 4. Checking plans ad picking a plan may be relativeky simple.

    The processing of selected plans is completely unreliable. Many files are missing crucial information. It is also not in the right format for many systems designed to receive it.

    Also, in Part 2 – some state run agencies, like Rhode Island, Minnesota and Neveda had problems initially connecting with the verificaion hub.

    Sammy Finkelman (8a673f)

  136. In Icy’s absence…

    R.I.P. Lou Reed…

    Colonel Haiku (2aa1d9)

  137. Also R.I.P. Bill Mazer

    Sammy Finkelman (8a673f)

  138. 81. Comment by elissa (93f70f) — 10/25/2013 @ 5:03 pm

    Michelle’s Princeton classmate is an executive at the company that got the contract to build and screw up the Obamacare website.

    They built the part that’s completely not working.

    When the insurance companies get the enrollment data, they process it manually. (Maybe also call up the customer?)

    And they are not getting very much.

    Sammy Finkelman (8a673f)

  139. Some Lou…

    http://youtu.be/FH2EgYq_NCY

    Colonel Haiku (2aa1d9)

  140. 125. Comment by Ag80 (eb6ffa) — 10/26/2013 @ 8:00 pm

    My question is: How did this happen?

    The short answer is 1970’s campaign finance reform, which really limited the number of candidates, and made it difficult to impossible for any candidates to jump in late.

    You don’t have too many choices, you’re not not going to get good results.

    Candidates drop out – often too early – and nobody drops in.

    Sometimes people spend time waiting for Godot Perot.

    Sammy Finkelman (8a673f)

  141. latimes.com, October 26 (via drudgereport.com): Pam Kehaly, president of Anthem Blue Cross in California, said she received a recent letter from a young woman complaining about a 50% rate hike related to the healthcare law.

    “She said, ‘I was all for Obamacare until I found out I was paying for it,’” Kehaly said.

    D’oh! The young woman in question most likely leans left, probably doesn’t understand or accept the concept of “the road to hell is paved with good intentions,” and has just been mugged by reality.

    Regrettably, there are far too many Americans similar to her, and they’re forcing all of us into the little bus that is tooling down that proverbial road, straight to Obamaville.

    Mark (58ea35)

  142. Steve57 #136 – so what ITIL do we think Obamacare builders used ?

    None ?

    Or did they read ITIL recommendations, and then actually do the opposite ?

    Alastor (2e7f9f)

  143. I have no idea.

    In a way this reminds me of other aspects of the Obamacare rollout. Recall that CEOs told Obama that as written they’d have to declare huge losses because of increased retiree health care costs. According to one CEO, Obama told them they were lying.

    So the Democrats passed the ACA, Obama signed it, and companies like AT&T, Caterpillar, Verizon, John Deere, etc., declared multimillion to one billion dollar losses to their stockholders. The Democrats were furious, accused these companies of playing politics, and threatened to hold hearings. Which quietly went away when apparently their staffers talked some sense into them.

    The CEOs were right. The SEC requires publicly traded companies to declare losses to their shareholders in the quarter that they learn about them. Besides, it’s ridiculous to think CEOs would lie to their shareholders in SEC-required communications with their stockholders. People go to jail for that.

    The point is there is just so much these people don’t have a clue about. I know Obama and his minions are casual liars but they are also ignoramuses. So it’d be tough for me to guess what form their stupidity took in this case.

    Steve57 (022c57)

  144. Covered California
    We’ll Be Back Soon

    We’re sorry for the inconvenience. We are performing maintenance on the Covered California website until Monday morning at 3:00 am.

    http://alturl.com/b6fmb

    happyfeet (8ce051)

  145. People go to jail. Politicians and journalists, not so often.

    htom (412a17)

  146. disturbing.

    if you click on that link you can see that when you enter Covered California

    your path forward is on a windy road on a treacherous cliff

    god help you

    I’m a windy road treacherous cliff person but only sometimes, and to be honest I’m not verygood with heights and sometimes I’m that guy what has like a million BMWs stacked up behind him

    but you know what they can suck it

    happyfeet (8ce051)

  147. The LA Times article notes that the policy cancellations were by agreement between Covered California (an arm of the ACA) and insurers.

    The article also notes that the state audited the insurers math on profits etc and the insurers have to offer rebates if they have spent less on care than anticipated.

    Huh.
    Where was all this news last year at this time?

    steveg (794291)

  148. Patterico’s Pontifications » If You Like Your Health Care Plan, You Can Keep It . . .

    zixiutangbeepollen Review (9b814c)


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