Online Insurance Exchanges Under Construction (ObamaCare being implemented)

As a follow-up to Obamacare, insurance exchanges are being set up in 13 different states. The exchanges are developed as a means for people to shop for coverage when they do not qualify for Medicare or Medicaid and do not have coverage through their job.

States have been grappling with what to call the insurance exchanges because many consumers either do not find the language attractive or do not understand what it means.

In practice, consumers would go online and find private insurance options that meet federal coverage standards and low-income Americans could apply for tax subsidies to cover the cost of premiums.

The new insurance exchanges will cover up to 25 million Americans. Participating states are also having difficulty updating their computer systems to manage the traffic, information, and processing of the programs.

If one of the biggest problems is persuading people to use the system once it is in place, branding and user interface come to the forefront. Many government sites provide extraordinary amounts of information and some can make life much easier. Although the sites provide plenty of info, they are not known for being the easiest to navigate or the most attractive.

Insurance companies already have difficulty convincing consumers that they are trustworthy organizations. Having an insurance exchange that is not well thought out, will exacerbate that problem and fail to serve the 25 million Americans the site is built for.

Plenty of focus group testing has been conducted, finding that the present options are not as attractive to Americans as hoped. Terms that pointed to ‘Health’ and ‘Choice’ were viewed skeptically and were not drawing highly-positive results.

States that are trying to avoid establishing these exchanges may wind up being outmaneuvered by Washington, DC as they begin to set the exchanges up for the balking states.

Here in New York Cuomo is welcoming it with open arms. They are calling it a Co Op.

With the start of ‘Free” mandates like birth control on New York Health Insurance companies and pending regulations under Obamacare will they end up bankrupt? Will they be one more causality of failed economic policies like Circuit City, Woolworths, Readers Digest, Blockbuster, and Boarders books that Obama can add to his list of accomplishments?

Well not to worry Obama has our backs on this one. Just six months into his presidency and nine months before the Democrats made it law he was meeting with his supporters. The purpose was to divvy up the windfall he expected from the Healthcare mandates.

The plan formulated was to create Healthcare Co-Ops to replace the taxpaying profit driven insurance companies he expected to be shovel ready soon after Obamacare was implemented. This in spite of his failures to pick winners in green energy and as Keiser Health stated most health insurers launched under the federal government over 40 years have gone bust and even Obama’s cabinet expects a 40% failure rate. So who has he picked to entrust the healthcare insurance of the millions in New York State?

Someone you probably never heard of, Sara Horowitz. So who is she and what are her qualifications?
Sara Horowitz has the right stock for almost any Obama fleecing scheme. Her grandfather was vice president of the International Ladies Garment Workers and her father a lawyer for the same. Like most garment workers daughters she received degrees from Cornell and Harvard specializing in law. Despite this handicap she managed to start her own union for Freelancers called the Portable Benefits Network to collect dues and offer health insurance to freelance workers. Sort of a union without any representation in any company or any say in wages or benefits.

As per Open secrets she contributed a mere $500 to Obama in September 2008. She could see her fortunes looking up and changed the name to Freelance Insurance Company. By June of 2009 she was meeting with Obama in the White House. Seeing the way to untold tax dollars her Freelancers PAC gave $2,000 to Democratic candidates in 2010. At the same time her trolling for Health care dollars lobbying firm was inoculated with $150,000. The end result of these investments was a $341 million dollar subsidy at zero or one percent interest to start a Co-Op in New York.

Obama who is not at fault for the poor economy, high gas prices and credit down grade has New York covered. He selected a faithful union lawyer, and a Democratic contributor with no medical experience to “invest” 341 million in seeing if she can run a nonprofit, non taxpaying Co-OP for the rest of us. It probably should be noted that when the freelancers union changed health plans before it was a fiasco and her union only has 25,000 members. Her union can rightly claim that the rates they charge are lower than other plans but they do not insure anyone over 65 years old. Could this be a harbinger of the New York Co-Op? Keeping costs down by not insuring shovel ready clients?

It is good to see that the Obama administration has our best interest at heart and will not let us down if those greedy insurance companies abandon us ahead of impending mandates according to plan.

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