Remember the Healthcare Insurance Portability and Accountability Act (HIPAA)?
I sat on a committee in 1998 that was trying to figure the best way to implement some of the computerized parts of that law. It was VERY slow going. We met once a month and most times didn’t accomplish much as the government hadn’t answered our hard, real world questions generated as a result of our last meeting.
I sold my business in 1999, retired, and gladly left this bureaucratic nightmare behind. However I have friends who are still in the industry telling me, 15 years later, that there are still major parts of HIPAA that haven’t been implemented, mostly having to do with electronic insurance claims, electronic payment for same and electronic medical records.
Here’s the bottom line: HIPAA was a pretty complicated law. 15 years of contractors busting their asses and it’s still not done. But HIPAA is like a third grade project compared to the complexity of nobamacare.
They delayed the exchanges until 2015. This is the first of many, many delays you’ll see. The closer we get to 2014 the more delays you’ll see.
Personally, I think nobamacare will collapse under it’s own weight. Mostly because they are trying to do way, way too many things that have never been done before. I suspect, properly done, nobama care would take at least 20, maybe 25, years to implement.
I have a question, then.
You speak about the whole exchange thing being delayed...”the exchanges”. This story is headlined about a federal exchange for small business (I’m presuming over 50 employees but still a small business) being delayed, then goes on to say that it will be delayed for other states beyond the 33 where feds are in charge of exchanges.
Here’s a category I never see discussed. This would be for people who work for a small business with so few employees there is no mandate on the business to provide health insurance. There are plenty of those people. They didn’t before, and they wouldn’t now, get health insurance via an employer-provided plan. The business is just too small for that.
However, as I understand it, the IRS is supposed to demand that you have health insurance or else you will either fall under a fine if you don’t, or under a subsidy if you don’t and decide to comply with the individual mandate, but are deemed too low-income to afford it.
In the latter case you would purchase insurance from an exchange or qualify under an expanded Medicaid program. That is assuming there was an exchange or there was expanded Medicaid where you lives.
Does this story mean anything for the person in THAT situation? What about the individual mandate on people whose employers never did provide an insurance plan and still don’t? Will the IRS still try to force those individuals to buy an approved plan or subsidize them to do do? Will an individual still face rules and punishments under the IRS enforcement while employers get a delay, or never have to do anything at all because they are too small?
And will this exchange delay, coupled with lack of Medicaid expansion in certain states, keep the IRS off the backs of individual taxpayers such as the category I described??
"That is assuming...there was expanded Medicaid coverage where you live