Obamacare applications get shorter
April 30th, 2013
09:24 AM ET
2 years ago

Obamacare applications get shorter

(CNN) – Applications for health insurance coverage under President Barack Obama's sweeping healthcare law will go from 21 pages to three, according to a White House official, who said the change was part of an effort to simplify the implementation of Obamacare.

"The President wants the Administration to be as flexible and nimble as possible in implementing the ACA law," the White House official said, referring to the law's official name, the Affordable Care Act. "It is a complex undertaking, and it is particularly important to the success of the law that enrollment into the Markteplaces be as user friendly as possible."

Starting this fall, the some 15 million Americans who buy health insurance on the individual market will be able to shop for and enroll in health insurance through state-based exchanges, with coverage taking effect in January. By 2016, some 24 million people will get insurance through the exchanges, while another 12 million will continue to get individual coverage outside of them, the Congressional Budget Office estimates.

A draft application to receive insurance on the exchanges topped out at 21 pages, the White House official said, which prompted criticism that it was overly complicated.

"Obviously, the drafting of the Marketplace application is just one small piece of ACA implementation," the official continued. "But we hope that people concerned with implementation will view this corrective action as a positive step and a demonstration of our interest in taking whatever actions we can to make the law work well for all."

The Affordable Care Act was passed in 2010 with loud opposition from Republicans, who have repeatedly tried to repeal the measure in Congress. The centerpiece of the law, an individual requirement to obtain health care insurance, was upheld as constitutional by the Supreme Court in 2012.


Filed under: Health care • President Obama
soundoff (148 Responses)
  1. Jerry

    And... Just like Bobble Head Pelosi, Obamacare and its main promoters still stink!

    April 30, 2013 03:40 pm at 3:40 pm |
  2. seriously, what were you thinking?

    @ghostriter

    I could care less what you think, you obviously know nothing (spelling "writer" the way you did for example). Just because someone makes X amount of money does not mean they can "afford" something. Their disposable income will decrease because of the outrageous cost. Insurance companies raised prices because of Obamacare. And now since it is going to be implemented, everyone will be paying obscene amounts for it subsidiary or not. I work for an insurance company; selling specifically to groups/small business. This is why I know how bad it will get.

    And to answer your question, only a small amount was "paid" by us. Hospitals write off bad debt ( i bet you didn't know that). Now everyone will be forced into getting insurance, so now instead of paying for lets say a million people, we will have to pay for 20 million. Thats quite a difference, so now everyone of us will have step up and contribute even more because of the increase in insureds.

    I don't expect for you to understand, but at least realize everyones rates went up because of your vote and ignorance.

    April 30, 2013 03:44 pm at 3:44 pm |
  3. firewalker25b

    I can even make it shorter.....

    Question 1. If you are a black Democrat and un-employed you Qualify.

    Question 2. If you have a JOB Democrat or not you are on your own and will be subject to a TAX if you opt out of MY OBAMACARE.

    April 30, 2013 03:53 pm at 3:53 pm |
  4. seriously, what were you thinking?

    Another thing- It's easy to point your finger at the insurance companies, but just remember who's charging you $90,000 for a shot, or $30 for a cotton swab. And they triple bill you for it. The problem isn't just insurance companies, but the hospitals that take advantage of them. They will bill you whatever they can because they know most people have insurance and the companies won't pay attention to the bill anyway. If you want changes ( and I do agree things need to be changed, but not like this), have the hospitals stop chariging obscene amounts for a shot or a hospital bed. It is becuase of them that insurance rates have risen, not because we want to make more money.

    People want things to be fixed: tell hospitals and doctors to stop being greedy and charge a resonable amount.
    Doctors and hospitals are exploting the system just as bad as insurance companies, if not worse.

    April 30, 2013 03:57 pm at 3:57 pm |
  5. eviltaxpayer

    Just put on app that your a black male w 17 different kids from 14 differerent baay mommas and the HC will be free.

    April 30, 2013 04:01 pm at 4:01 pm |
  6. BobPitt

    I am so happy to be Canadian...

    April 30, 2013 04:35 pm at 4:35 pm |
  7. Addis Spencer

    Rudy: I know of very few elderly that would have any reason to jump to a plan that costs $500 – $1000 per month, which is probably what the exchanges are offering, from Medicare A & B. If you are claiming the subsidies would help them reduce this cost to zero, then you may be right. Or it may be the case that subsidies will not be offered to people over 65 because Medicare already exists (which I assume to be the case)

    There is no reason at all that the ACA provisions as they stand would cause Medicare to eventually be eliminated. Fair is Fair knows what he's talking about. The numbers of people 65 and older joining Medicare has no reason to decrease in the face of ACA as there is no benefit for doing so. Also that would actually damage exchanges due to the healthcare needs of the 65+ crowd. Medicare is already established and will continue to be utilized, there is not any reason for it not to be.

    April 30, 2013 04:38 pm at 4:38 pm |
  8. Fair is Fair

    seriously, what were you thinking?

    Another thing- It's easy to point your finger at the insurance companies, but just remember who's charging you $90,000 for a shot, or $30 for a cotton swab. And they triple bill you for it. The problem isn't just insurance companies, but the hospitals that take advantage of them. They will bill you whatever they can because they know most people have insurance and the companies won't pay attention to the bill anyway. If you want changes ( and I do agree things need to be changed, but not like this), have the hospitals stop chariging obscene amounts for a shot or a hospital bed. It is becuase of them that insurance rates have risen, not because we want to make more money.

    People want things to be fixed: tell hospitals and doctors to stop being greedy and charge a resonable amount.
    Doctors and hospitals are exploting the system just as bad as insurance companies, if not worse.
    ----------
    If the government would start paying market rate based reimbursements to providers, the rate of healthcare inflation would stem. But since they wont, providers are forced to cost-shift to those carrying private insurance. And herein lies the problem – as an aging society, more and more covered lives are on government plans, specifically medicare. so it's a snowball effect. Doctors and hospitals LOSE money on medicare and medicaid patients. That HAS to stop or the whole system comes apart.

    April 30, 2013 04:50 pm at 4:50 pm |
  9. U ain't know sh.....

    @seriously, what were you thinking?

    Hospitals charge so much for more reasons than u can obviously comprehend but one is because so many people decide they do not have to pay, so the rest of us pick up their slack

    April 30, 2013 04:53 pm at 4:53 pm |
  10. fonzie

    Obamacare is for unemployed blacks and illegal immigrants. If you are white and work hard you don't qualify. Obama is a racist thug.

    April 30, 2013 05:05 pm at 5:05 pm |
  11. Name ELIYAH

    Prepare people the kingdom of YAHWEH is at hand, we must regather yisrael,the lost tribes the house of yudah is the only house in the holy land of YAH.
    Pp

    April 30, 2013 05:07 pm at 5:07 pm |
  12. Far left Liberal

    Sniffit

    "I find it ironic that..."
    ----
    Likewise.

    April 30, 2013 05:08 pm at 5:08 pm |
  13. In My 20's

    I will gladly pay the $95 fine and not sign up. Its still unaffordable for a 20 something with a service job.

    I would rather pay the $95 that is a fine and wait until I have a better job.

    April 30, 2013 05:20 pm at 5:20 pm |
  14. Dean

    In My 20's

    I will gladly pay the $95 fine and not sign up. Its still unaffordable for a 20 something with a service job.

    I would rather pay the $95 that is a fine and wait until I have a better job
    -----------------So who do you expect to pay your tab if you get sick or happen to be in an accident and have a hospital bill of $400,000.00?

    April 30, 2013 05:42 pm at 5:42 pm |
  15. rbnlegend

    It is amazing to me how badly people don't understand something they oppose. The entire text of the ACA is available on the internet and you can just sit down and read it. You can read countless articles about the reasoning behind it, and the intended path forward. You can have the timing of it explained for you. Some parts of it have been in place for quite a while now, some parts still won't happen for years, and there are reasons for that. It's not simple. You can't put the whole thing on a bumper sticker.

    You also have to understand what it is an attempt to fix, and which parts of it are compromises. Some of those compromises were inserted as poison pills, objectionable sections of the legislation that the far right hoped would kill the whole thing. Legislation is an all or nothing effort. No matter how good the legislation might be, if you insert a bad enough poison pill in it, it won't pass, conversely, if it's good enough, you can stuff a nasty little bit of pork for your home district, and it will pass. There are some poison pills in the ACA.

    Under the old system, some people had employer provided insurance and got generally good care across the board, at a high cost. When they retired, they had no employer, therefore they had no insurance, and as a result, we have medicare. Unemployed, underemployed, and people whose employers did not offer insurance as a benefit, had no insurance, and got no preventative care, no routine doctor visits, and had their serious medical needs attended to at the emergency room, at very high cost. They routinely were not able to pay that cost, which hospitals would take as a loss, and had to charge paying customers more in order to balance out. On top of that, anyone with insurance, who had high medical costs, would eventually run into the coverage ceiling, after which their insurance didn't pay anymore, leaving them in the same state as the uninsured. Also, if someone ran up a lot of medical costs all at once, the insurance company could investigate their medical history, to see if there was any record of the medical condition that was costing so much, prior to any gap in coverage. If they could find such a record prior to a gap, that would then be a pre-existing condition, and would not be covered. That situation was especially bad, as the patient's care was not covered, but they were still required to pay for their insurance coverage. That isn't all the problems the ACA was trying to fix, but it's a start.

    April 30, 2013 05:51 pm at 5:51 pm |
  16. ugh

    ANY time you see shorter paperwork at the Federal level, it is a sign of DESPERATION!

    April 30, 2013 05:52 pm at 5:52 pm |
  17. rbnlegend

    fonzie, you really should try to find out anything at all about obamacare, if you oppose it. There isn't anything to "qualify for" so your statement is nonsense.

    April 30, 2013 05:53 pm at 5:53 pm |
  18. Name howie

    In My 20's
    The 95 dollars is minimum

    I think the penalty is a percentage of adjusted gross income

    Pay the penalty ... Year after year... Become ill ... Can't be turned away from getting insurance No way for $95 a year

    April 30, 2013 05:55 pm at 5:55 pm |
  19. Jiri pinkas

    Obamacare sucks but our government sucks. We have elected a bunch of losers who have not a clue
    What do to about anything. They are like little children fighting over a piece of candy.

    April 30, 2013 06:52 pm at 6:52 pm |
  20. Part-timer

    I currently work for a major grocery chain based in Ohio (you guess which one). We're unionized and the majority of my co-workers are part time. Some of whom have been able to rise in the ranks and be trusted to oversee smaller offshoot departments within a larger at 32-40 hours a week and receive full time medical coverage.

    Now the company is cutting the hours of ALL part-timers to 28 hours. This is to avoid Obamacare's requirement of hourly workers, who get 30+ hours a week, must get full time benefits. I've read many other retailer/service companies doing the same: clothing, restaurants, grocery chains etc...

    Now I'm not going to pretend to know the full story of the actual Obamacare coverage, but with the wording of having the whole thing 'required' just screwed millions of retail workers out of hours and base pay because the retailers do not want to pay the costs for full time benefits.

    Though we'll still have our current plans there are scared people in my store right now. They'll have to spend more with less money to cover their kids. Some want to see how this pans out but most (including myself) will have to get a 2nd job. Hmmm.. guess that looks good on the ole quarterly job/unemployment figures.

    April 30, 2013 07:22 pm at 7:22 pm |
  21. Ghostwriter

    "seriously", no one really cares about you at all. You are just another internet know it all. And correcting my username? I take it you are about 60 and yelling at kids to stay off your lawn.

    And not very attentive. Insurance rates have been increasing since I got my 1st job in 1998. Had cheap and great coverage and when I left that job 8 years laters, rates almost doubled and coverage was way less. ANd fools like you pretend this all started in 2010. Matter of fact, insurance companies have to report on the rate increases. Last report from Kaiser stated that Obamacare was only responsible for less than 5% of the increases. Not to mention that refunds for overpayment went out last year.

    Of course, being "in the industry", you already knew that. Meaning you are either not really in the industry or extremely inept. I think all of the above.

    April 30, 2013 08:17 pm at 8:17 pm |
  22. james

    Obamcare is a joke just like Obama and Hillary

    April 30, 2013 08:49 pm at 8:49 pm |
  23. art

    Fonzie...I guess you being watching FOX MIND CONTROL NEWS AGAIN, they sure got you covered, hope they pay your healthcare bill also!

    April 30, 2013 09:42 pm at 9:42 pm |
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