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Obamacare: The nightmare of setting up state insurance exchanges
American Thinker ^ | 11/26/2012 | Rick Moran

Posted on 11/26/2012 11:14:52 AM PST by SeekAndFind

What a clusterfark.

The Hill:

*****

"The Obama administration faces major logistical and financial challenges in creating health insurance exchanges for states that have declined to set up their own systems.

The exchanges were designed as the centerpiece of President Obama's signature law, and are intended to make buying health insurance comparable to booking a flight or finding a compatible partner on Match.com.

Sixteen states - most of them governed by Republicans - have said they will not set up their own systems, forcing the federal government to come up with one instead. Another five states said they want a federal-state partnership, while four others are considering partnerships.

It's a situation no one anticipated when the Affordable Care Act was written. The law assumed states would create and operate their own exchanges, and set aside billions in grants for that purpose."

*****

Oh my, are the American people who are forced to use these exchanges in for a big surprise:

*****

"Since different states have different insurance markets and different eligibility requirements for Medicaid, Obama's Health and Human Services Department can't simply take a system off the shelf as a one-size-fits all failsafe.

"You can't simply deploy one federal exchange across the board," said Jennifer Tolbert, director of state health reform at the Kaiser Family Foundation. "Each state is different - their eligibility systems are different, their insurance markets are different. [HHS is] going to have to build these exchanges to fit into the context of each state."

(Excerpt) Read more at americanthinker.com ...


TOPICS: Business/Economy; Culture/Society; Government; News/Current Events
KEYWORDS: healthexchanges; obamacare; obamacareproblems

1 posted on 11/26/2012 11:14:57 AM PST by SeekAndFind
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To: SeekAndFind

IMO, this is good. People will get a good dose of why you DON’T let the federal government to take over your health care. Plus, it will put the lie to their story that Obamacare was going to REDUCE costs. By the time they get through trying to set up these exchanges, they will be wanting to raise taxes yet again.


2 posted on 11/26/2012 11:19:03 AM PST by mtrott
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To: SeekAndFind

The tip of the nightmare that is 0bumblecare.


3 posted on 11/26/2012 11:19:23 AM PST by luvbach1 (We are finished.)
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To: SeekAndFind
"You can't simply deploy one federal exchange across the board," said Jennifer Tolbert, director of state health reform at the Kaiser Family Foundation. "Each state is different - their eligibility systems are different, their insurance markets are different. [HHS is] going to have to build these exchanges to fit into the context of each state."

Wrong. The Fed will have to set up one universal set of standards that all must follow. PROBLEM SOLVED! This was the plan all along. But now the states will volunteer control over it willingly. They'll still get stuck with the bill, however.

4 posted on 11/26/2012 11:25:46 AM PST by Tenacious 1 (The Click-&-Paste Media exists & works in Utopia, riding unicorns & sniffing pixy dust.)
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To: Tenacious 1

“They’ll still get stuck with the bill, however.”

No, the states won’t “get stuck” with the bill. State governors and legislators can’t just print money, and they can get kicked out for even contemplating raising taxes. Further, many states have balance budget laws and there is no money for Obamacare.


5 posted on 11/26/2012 11:31:48 AM PST by mtrott
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To: SeekAndFind

“You can’t simply deploy one federal exchange across the board,” said Jennifer Tolbert, director of state health reform at the Kaiser Family Foundation. “Each state is different - their eligibility systems are different, their insurance markets are different. [HHS is] going to have to build these exchanges to fit into the context of each state.”

If push comes to shove and the Feds start setting this up, I’m not so sure this will be an issue.


6 posted on 11/26/2012 11:34:06 AM PST by DonaldC (A nation cannot stand in the absence of religious principle.)
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To: SeekAndFind

Sounds like 0bama and his cronies are going to get a chance to show us how much more efficiently and effectively things can be done by the federal govt. I can’t wait to see this!! (/s)


7 posted on 11/26/2012 11:34:34 AM PST by NEMDF
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To: Tenacious 1

+1

People are not thinking it through to its logical conclusion. Which is, if their state doesn’t setup an exchange, the federal govt will and lock the state out of any influence of health insurance. Consider this scenario:

My employer drops medical coverage, pays the employee fine, and tells us to purchase our insurance from a govt exchange (they’ve already said this is a possibility in 2014; my guess it has been decided and they are just getting us mentally prepared for what’s coming). If my state doesn’t create an exchange, here are my options:

1) Buy coverage from the federal exchange. Cost? About what I’m paying out of my paycheck now. Let’s increase it some and say $5,000 a year.

2) Purchase an individual family policy from an insurance company in my state. Cost? In the ballpark of $20,000 a year.

3) Don’t have any health insurance.

$5,000 vs $20,000 vs no-insurance

I’m not going to let my family go without health insurance-period. And, I can’t afford $15,000 a year to make a political point. I’m boxed in and left with one (and only one choice): buy insurance from the federal pool for $5,000 a year.

The law says you can’t be forced to participate in a federal exchange, but there isn’t any law to prohibit it.

What the law does do is box you in. It leaves individuals with no realistic choice, other than purchasing insurance from a govt pool.


8 posted on 11/26/2012 11:54:44 AM PST by Brookhaven (theconservativehand.com - alt2p.com)
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To: mtrott

The states WILL be stuck with a Bill!!

IT IS A TAX- and we are all screwed-

Here in Minnesota they are rapidly trying to implement their
(HIX)- Health information Exchange- under Democrat Mark Dayton they budgeted approx.$45Million this passed summer-
The state Govt has asked for another $40+ million to
implement (not nearly enough)- this is the deal- there are
time lines to be met for the health info exchange- the first
is coming up December 31- if base hardware and infrastructure is NOT in place - the FEDS will Be assigning your State a Fee- (I believe this is based on current Fed revenue to your state -(ie, welfare monies,medicare money etc)- since Minnesota gets approx. $5 Billion - even a 3%
“” FEE “” would be huge- Can they legally do this ??!!- well
the Feds are going to try- and they now have The LAW passed-

Sort of funny -don’t you think?- bad healthcare,- (”Fees) being assessed on a govt. whim- and everyone getting in line for O’bummer Care.- where is the beginning of the line?
send me a text to my Obummer Phone.


9 posted on 11/26/2012 11:54:44 AM PST by mj1234
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Passive resistance through inaction to let the AHCA wither on the vine and die. How about the House not put one single penny in the annual budget to support anything to do with the AHCA?

If they don’t do this all the saber-rattling to repeal Obamacare was nothing more than a political show.

Put your spine where your mouth is and kill it softly through passive resistance.


10 posted on 11/26/2012 11:59:30 AM PST by USCG SimTech (Honored to serve since '71)
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To: USCG SimTech

“If they don’t do this all the saber-rattling to repeal Obamacare was nothing more than a political show.”

It’s a political show.

The GOP had an issue 65% of the American public supported—repeal of ObamaCare—and they didn’t even use it in the last election.

If they GOP starts taking serious steps to prevent ObamaCare’s implementation, then every problem with ObamaCare (every one) will be blamed on “those partisan Republicans.” And, we both know how Republican politicians roll up into the fetal position every time someone calls them partisan. Better to just step aside and let the Democrats implement the thing, than to be called partisan by the press.

I may sound like a defeatists, but the GOP had this issue handed to them last election (first and goal on the 1 yard line) and they punted—they didn’t even try to score. What makes anyone think they will try NOW, when they didn’t try then?


11 posted on 11/26/2012 12:15:00 PM PST by Brookhaven (theconservativehand.com - alt2p.com)
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To: Brookhaven

I have a US fed health care policy. Over three years....I’ve paid almost $12k into the policy for me/family. The gov’t matched up almost $20k. So there’s $42k over a three-year period put into the insurance fund.

The thing about this that I find fascinating....is that I’ve been to the doctor on three occasions, and likely used $2,400 total ($1500 was for a hearing aid). I suspect we’d all be better off just putting our money into some money-market account for health expenses and just avoid insurance in general.


12 posted on 11/26/2012 12:44:49 PM PST by pepsionice
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To: Brookhaven
Yes, you will buy from the Fed exchange for a cheaper cost, but as the article says it will be total confusion.
13 posted on 11/26/2012 1:42:35 PM PST by what's up
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To: SeekAndFind
The GOP will be blameless in this fiasco. The warnings from Republicans since Obamacare was first proposed about the consequences of the law will make the party seem like soothsayers. The Democrats will be forced to defend a law that caused a recession, significantly increased insurance costs to families, and brought many businesses to their knees. It's hard to see how the elections of 2014-16 won't severely damage the Democrats and make them a minority party for the foreseeable future.

Unlikely because the democRats will blame it all on Republicans and the country's idiots will believe it, especially after the GOP refuses to fight back (again).

14 posted on 11/26/2012 2:44:07 PM PST by Timber Rattler (Just say NO! to RINOS and the GOP-E)
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To: mtrott
By the time they get through trying to set up these exchanges, they will be wanting to raise taxes yet again.

True, but if you remember, the grand plan was for all of this to be paid for with a VAT, which the TEA Party victory in 2010 upset. Remember how Pelosi and company did not want to pass a budget that year until AFTER the election?

Beware the VAT: Why the consumption tax is possible (August 11, 2010)

Don't be surprised when Obama trots out the VAT again in a year or two as a potential source of new "revenue" to pay for Obamacare.

15 posted on 11/26/2012 2:51:43 PM PST by Timber Rattler (Just say NO! to RINOS and the GOP-E)
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To: mj1234

No. I am talking about state, not federal, taxes. What I am saying is that states who try to set up these exchanges are going to find out that whatever money they are allotted from the fed government is not going to be enough, and then you are looking at increasing STATE taxes, on top of federal taxes.

Under the Supreme Court ruling, the states DO NOT have to set up an exchange at all. The key is to force the feds to design, set up, and implement these exchanges. That way, when it hits the fan due to them asking for more taxes, it will put the lie to Obama’s constant assertions that Obamacare would reduce health care costs.


16 posted on 11/26/2012 3:40:32 PM PST by mtrott
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To: Timber Rattler

“Don’t be surprised when Obama trots out the VAT again in a year or two as a potential source of new “revenue” to pay for Obamacare.”

I won’t be surprised at all if that happens. But that tax would hit everybody, would it not? And that would destroy any remaining pretense that Obama is not raising taxes on those under $200000 income.


17 posted on 11/26/2012 3:44:06 PM PST by mtrott
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To: Timber Rattler

——Don’t be surprised when Obama trots out the VAT again ——

A leftist last week was pushing the Cap and Trade as a universal tax. It would be imposed on Carbon Emitters who would raise rates to customers including almost everyone.

He spilled the beans. They know the taxpayer base must be expanded to the masses, including the poor.


18 posted on 11/26/2012 3:50:54 PM PST by bert ((K.E. N.P. N.C. +12 ..... Present failure and impending death yield irrational action))
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To: mtrott
No, the states won’t “get stuck” with the bill. State governors and legislators can’t just print money, and they can get kicked out for even contemplating raising taxes. Further, many states have balance budget laws and there is no money for Obamacare.

I have a feeling that every state receives a lot of federal money. Why couldn't the Feds just deduct the amount that the state owes from the amount it sends to the state?

19 posted on 11/26/2012 3:57:11 PM PST by Tau Food (Never give a sword to a man who can't dance.)
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To: SeekAndFind
I'm considering the odds of a bunch of affirmative-action fedgov drones from a dozen different agencies, all fighting each other over regulatory territory actually getting this up and running by their own deadlines.

We may get to be witness to the biggest fustercluck in recorded history.

20 posted on 11/26/2012 4:00:19 PM PST by tacticalogic ("Oh, bother!" said Pooh, as he chambered his last round.)
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To: what's up; Brookhaven
Yes, you will buy from the Fed exchange for a cheaper cost, but as the article says it will be total confusion.

If there is a Federal exchange, why would the states need to each set up their own? I thought the states were where the Exchange take place.

21 posted on 11/26/2012 4:21:29 PM PST by Dianna
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To: Dianna
Obamacare calls for State exchanges, but 16 states (mostly GOP) are refusing to set them up. They don't want to use their own resources.

Thus, the Federal Gov't has to come in and do it.

22 posted on 11/26/2012 5:28:21 PM PST by what's up
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To: what's up

Thanks for clarifying. I had thought you were saying each state would have an exchange along with the fedgov having one as well.


23 posted on 11/26/2012 5:35:26 PM PST by Dianna
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To: Dianna
No, just that certain state exchanges are going to be set up by the Feds.
24 posted on 11/26/2012 5:39:44 PM PST by what's up
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To: mtrott

I think the “fees”- (really taxes) were already written into O’bummer care.- if the states do not pay their “fee” what happens?- Federal funds dry up for that state?- O’bummer invades the state?- this is why we at Free republic -KNOW this law is illegal- and why everyone should
be outraged- but we are screwed....

NO ONE IN MINNESOTA KNOWS that we are even trying to implement this HIX system with our TAX dollars!!!
They have NO idea what is being taken away from them.


25 posted on 11/26/2012 6:13:21 PM PST by mj1234
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To: Tau Food

Well, the Supreme Court ruling on Obamacare specifically stated that the feds could not withhold Medicaid funds from any states that elected not to create a health care exchange. Basically an acknowledgement of the 10th Amendment.


26 posted on 11/26/2012 6:20:05 PM PST by mtrott
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