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Obamacare's Website Is Crashing Because It Doesn't Want You To Know How Costly Its Plans Are
Forbes.com ^ | 10/14/2013 | Avik Roy

Posted on 10/14/2013 10:45:35 AM PDT by boatbums

A growing consensus of IT experts, outside and inside the government, have figured out a principal reason why the website for Obamacare’s federally-sponsored insurance exchange is crashing. Healthcare.gov forces you to create an account and enter detailed personal information before you can start shopping. This, in turn, creates a massive traffic bottleneck, as the government verifies your information and decides whether or not you’re eligible for subsidies. HHS bureaucrats knew this would make the website run more slowly. But they were more afraid that letting people see the underlying cost of Obamacare’s insurance plans would scare people away.

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


TOPICS: Government
KEYWORDS: 0carenightmare; aca; bho44; bhohealthcare; buyersremorse; dataminning; destroymiddleclass; forcedtaxes; irs; lootmiddleclass; miserablefailure; obamacare; obamacarelies; obamacarepremiums; obamacarerollout; obamacaresoftware; obamalies; transferofwealth; transferpower; tyranny
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Because of POLITICS, the Obamacare sign up is NOT ready for primetime and they can't/won't admit it.
1 posted on 10/14/2013 10:45:35 AM PDT by boatbums
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To: boatbums

BUMP.

Socialized medicine DOES NOT ADD DOCTORS
and CHEAPER IMPROVED TECHNOLOGY.

It sets up a gov’t controlled 2 class system.
Guess who gets out?


2 posted on 10/14/2013 10:49:11 AM PDT by Diogenesis
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To: boatbums
They sold this thing on being cheaper than the private market; but, it is vastly more expensive. They can't let people see that, or there might be Democrat voters joining the conservatives and eeeeevil Tea Party types in opposing this POS.

I would love to know how they chose the people who designed and coded this website. Affirmative Action, anyone?

3 posted on 10/14/2013 10:49:40 AM PDT by LibertarianLiz
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To: boatbums

“They Want You To Sign Up Before You Know What you’re Signing Up For”....

with NO apologies to Bela Pelosi.


4 posted on 10/14/2013 10:49:51 AM PDT by MeshugeMikey ( Un-Documented Journalist / Block Captain..Tyranny Response Team)
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To: boatbums

The clowns down at the CBO were right. ObamaCare is going to save “the government” money by throwing the freeloaders on the backs of the workers and taxpayers. This is really going to get good when the GOOBs pass their amnesty fiasco. 35 to 50 million brand new ObamaCarees.


5 posted on 10/14/2013 10:50:21 AM PDT by FlingWingFlyer (The Constitution is obsolete only if you see Mein Kampf or the Communist Manifesto as a replacement.)
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To: boatbums
Wait until enough of the 26-36 demographic realize what they'll owe next year.

It won't only be middle aged guys in American flag t-shirts and blue haired old ladies in lawn chairs at the next Tea Party rally.

No offense intended - just using the MSM's characterization.

6 posted on 10/14/2013 10:50:33 AM PDT by skeeter
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To: boatbums

Oh, Puh-LEEZE! Everyone KNOWS that it’s those EVIL ‘Tea-Baggers’ flooding the system, making fake accounts, etc. that are causing all these problems! (SARCASM)


7 posted on 10/14/2013 10:51:25 AM PDT by Diana in Wisconsin (I don't have 'Hobbies.' I'm developing a robust Post-Apocalyptic skill set...)
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To: boatbums
There is a forty year old technology called “re-entrent coding” where a transaction keeps its pointers to what is next when I get back.

7,000,000 hits in a week is really small and should not have caused a problem. Amazon gets 70,000,000 a weeks and still manages to sell stuff.

8 posted on 10/14/2013 10:53:24 AM PDT by BillT (If you can not stand behind our military, you might as well stand in front of them!)
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To: boatbums

Yep. When they fund it, it could start working.


9 posted on 10/14/2013 10:53:35 AM PDT by AppyPappy (Obama: What did I not know and when did I not know it?)
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To: BillT

It causes a problem if it has to authenticate through other federal systems like the IRS. You are hostage to the slowest connection/server.


10 posted on 10/14/2013 10:54:34 AM PDT by AppyPappy (Obama: What did I not know and when did I not know it?)
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To: boatbums
Yes, it's time to bring her out.....The Surprise Lady.

"Wait a minute....Do you mean to tell me something run by the government is having problems?"

"WHAT A SURPRISE!"


11 posted on 10/14/2013 10:54:35 AM PDT by GrandJediMasterYoda (What do we want? Time travel. When do we want it? It's irrelevant.)
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To: MeshugeMikey
ObummerCare is DEATH BY DENIAL OF CARE, and inability to comply ! It is a purposely designed Conundrum
Welcome to the Socialist reality ,..Comrade !

12 posted on 10/14/2013 10:55:34 AM PDT by Tilted Irish Kilt (Enlightened statesmen will not always be at the helm. -- James Madison)
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To: boatbums

Tweet from today (paraphrase):

You may encounter a Bigfoot today but he won’t be signed up for Obamacare.


13 posted on 10/14/2013 10:55:35 AM PDT by AppyPappy (Obama: What did I not know and when did I not know it?)
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To: LibertarianLiz
They sold this thing on being cheaper than the private market; but, it is vastly more expensive.

Obamacare is vastly more expensive than my current plan is, but come 1/1/14 it will be just a hair cheaper.

My current insurer has been forced to jack up its premiums in order to comply with the damn law - this year I'm paying $450/mo, next year I'll have to pay $2100/mo for the same coverage. Obama's insurance will cost around $1900, according to the best info I have now.

14 posted on 10/14/2013 10:55:37 AM PDT by skeeter
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To: boatbums
This, in turn, creates a massive traffic bottleneck, as the government verifies your information matches your name against an Obama donor list and decides whether or not you’re eligible for subsidies.

There, fixed it.

15 posted on 10/14/2013 10:55:52 AM PDT by Hoodat (BENGHAZI - 4 KILLED, 2 MIA)
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To: Diana in Wisconsin

Call me paranoid, I would not go anywhere near that web site. Once you give them your userid there is no telling what will happen.


16 posted on 10/14/2013 10:57:32 AM PDT by duckman (I'm part of the group pulling the wagon!)
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To: boatbums; All
I am a certified “Exchange Agent” but health insurance to those under 65 and not on Medicare is only a very small part of my business.

I HATE Obamacare as a professional salesman, because it makes me feel like a flim flam man. It is like the worst “let me talk to my manager” or any other cliche you want to think about, in sales. I can NOT “quote” premiums to people who call me, without doing as much tax work as an HR Block employee.

I have suggested to Senator Pat Roberts that Obamacare allow PAPER applications to qualify for any subsidy or tax credit, if applicants are willing to wait until they file their tax returns to get said credit. Currently, while there are old-fashioned paper aps available for nearly every plan, paper applications do not qualify for the premium credit or subsidy.

Of course, my idea would SOLVE much of the current web site problems, by taking lots of pressure off the sites.

But that is really not the point is it?

They want the data from the website, they do not want to wait unit 15 April 2015 for their data!

17 posted on 10/14/2013 10:58:09 AM PDT by Kansas58
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To: LibertarianLiz

I don’t see two things:

People claiming credit for drafting the damn thing
People claiming credit for the website

must mean they are hiding


18 posted on 10/14/2013 10:58:38 AM PDT by yldstrk (My heroes have always been cowboys)
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To: AppyPappy
If they did sign him up, they'd shave him first and register him to vote.
19 posted on 10/14/2013 10:58:40 AM PDT by RetroSexual
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To: boatbums

It is intended to fail. After it fails with all the tax laws involved, you will be told that it would be to much of a burden on the states and to costly to repeal. They will then have to legislate a fix and walla, you have single payer system they wanted to begin with.


20 posted on 10/14/2013 10:59:06 AM PDT by DeWalt (Times are more like they used to be than they are today.)
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To: skeeter
I asked about how the people who designed this webpage were given the contract. Here is the story:

http://washingtonexaminer.com/article/2537194

21 posted on 10/14/2013 10:59:21 AM PDT by LibertarianLiz
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To: duckman

Name, Rank and Serial Number. They’ll have to beat the rest out of me...

...and with THIS bunch, I expect that to be coming! :)


22 posted on 10/14/2013 11:00:20 AM PDT by Diana in Wisconsin (I don't have 'Hobbies.' I'm developing a robust Post-Apocalyptic skill set...)
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To: boatbums

Many of us have been saying from the start the “glitch” was by design.


23 posted on 10/14/2013 11:02:01 AM PDT by ryan71 (The Partisans)
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To: boatbums

I’ve been saying this since day 1... and I havn’t even been to the site.

I would go farther though... It’s not just the cost... IT’S THE ABSENCE OF SUPPLY!

How many “providers” are waiting for their plans to be viewed via the broken website??? 2? 3? I know Blue Cross has been mentioned the most, and a couple of others, but where are ALL those insurance companies ready to serve up once people sign their identities away? One would think THEY would be at the front of the line complaining about loss of exposure.

In most cases, a website is simply a vehicle to access an otherwise manual/face-to-face process. In this case, it appears that the “web site” IS the only way in which individuals can shop these so called “exchanges”.

I would submit that the online web sign up process is the biggest TROJAN HORSE IDENTITY THEFT SCAM in American History! Obama’s subcontracted cronies that developed this mess will get what they want, and Obama will get what he wants... Martial Law.


24 posted on 10/14/2013 11:02:24 AM PDT by Safrguns (PM me if you like to play Minecraft!)
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To: boatbums

People think it is bad code, but it is really AI superintelligent. Unfortunately it is dying of shame.


25 posted on 10/14/2013 11:02:38 AM PDT by Vince Ferrer
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To: Diana in Wisconsin

Do any FR posters think HE really CARES? :(


26 posted on 10/14/2013 11:03:40 AM PDT by mason-dixon (As Mason said to Dixon, you have to draw the line somewhere.)
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To: ryan71

If the Obamacare website you’re on works,
it’s probably part of a scam.


27 posted on 10/14/2013 11:04:18 AM PDT by MrB (The difference between a Humanist and a Satanist - the latter admits whom he's working for)
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To: boatbums
Obamacare's Website Is Crashing Because It Doesn't Want You To Know How Costly It's Plans Are.

Is "It" also known as Colossus, or The Forbin Project?

28 posted on 10/14/2013 11:04:19 AM PDT by sportutegrl
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To: Diogenesis
I'm wondering if the days of depending on the medical profession to heal or to stay healthy are OVER. Is it time to buy books about diseases and symptoms, natural healing, nutrition, healthy lifestyle and first aid?

I suspect that this is all going to be about putting public health concerns (what's good for the majority is good for me) above the individual. "Medical care" will be about vaccinations, counseling for addictions or mental health, being screened for diseases that will make other people sick, and thus cause quarantines, birth control etc.

I've got my books. <^..^>

29 posted on 10/14/2013 11:04:42 AM PDT by grania
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To: LibertarianLiz

I don’t get it. Obama said you could keep your own insurance, doctor and that each person would save $2,500 or more with this great Obamacare idea. Why wouldn’t they want that listed on the official Web site? /sarc


30 posted on 10/14/2013 11:06:48 AM PDT by corlorde (forWARD of the state)
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To: LibertarianLiz
In awarding the Healthcare.gov contract, CMS relied on a little-known federal contracting system called ID/IQ, which is government jargon for “Indefinite Delivery and Indefinite Quantity.”

Only in government would this be an acceptable name for a procurement process.

31 posted on 10/14/2013 11:09:42 AM PDT by skeeter
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To: duckman
I would not go anywherre near that website

It would be a foolish thing to do. One reason is that it's not all that secure anyway and I'd imagine every hacker would love to have a go of it. Another is what you said. Give them information, and they'll be able to keep track of if you decided not to buy insurance. Also, if you're a good risk, it'll be like any other site selling stuff....they'll keep bothering you with emails and mailings.

32 posted on 10/14/2013 11:09:47 AM PDT by grania
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To: boatbums

you mean deceit was built into ObamaNoCare? Now there’s a shock !


33 posted on 10/14/2013 11:10:19 AM PDT by llevrok (Democrats are LAW-LESS because the GOP is Ball-Less)
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To: Kansas58

One thing I am curious about is the tax subsidy (though I do not qualify for one).

How does it work? Do you still have to pay your premium up front, and then get a tax credit the following year?


34 posted on 10/14/2013 11:14:09 AM PDT by rightwingintelligentsia (Democrats: The perfect party for the helpless and stupid, and those who would rule over them.)
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To: FlingWingFlyer

But at the present rate it will take until 2100 for all the new freeloaders to sign up. Maybe longer.


35 posted on 10/14/2013 11:15:44 AM PDT by luvbach1 (We are finished.)
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To: rightwingintelligentsia
The tax credit is MUCH of the reason for the web site failure.

The “credit” is “pre-funded” and reduces your monthly premiums.

However? Income is dynamic and changes all the time for just about everyone. As an agent, if I base a client's 2014 subsidy on 2013 or 2012 income?

I am almost certain to have errors, and those errors will be corrected on their 2014 tax return with a HUGE tax!

36 posted on 10/14/2013 11:17:53 AM PDT by Kansas58
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To: boatbums

It’s nice that the main tech contract for the web site went to a Canadian company. Maybe there were less chances for leaks about just how bad this fiasco is?


37 posted on 10/14/2013 11:20:20 AM PDT by JimSEA
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To: boatbums

I say we all do our part and sign up then.

Just to check out the prices.


38 posted on 10/14/2013 11:20:49 AM PDT by sickoflibs (To GOP : Any path to US Citizenship IS putting them ahead in line. Stop lying about your position)
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To: rightwingintelligentsia

No, you don’t have to pay the full amount up front (unless you want to). The subsidies are applied to each month’s premiums.

Also, the reason for the up-front sign-up on the website is so people can see how much their actual cost will be (after the subsidy is applied). Very straightforward. Forbes is full of s**t.


39 posted on 10/14/2013 11:20:54 AM PDT by steve86 (Some things aren't really true but you wouldn't be half surprised if they were.)
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To: Kansas58
I wondered about that. Say you made $75K in 2013, but lost your job at the end of the year. So do they base your 2014 premium on the 2013 income, or on your projected 2014 income? Or do you have to pay up front but maybe get a refund in 2015? You'd better have some savings or you're screwed.

Too complicated and too uncertain.
40 posted on 10/14/2013 11:21:04 AM PDT by rightwingintelligentsia (Democrats: The perfect party for the helpless and stupid, and those who would rule over them.)
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To: steve86

It is part of SkyNet?


41 posted on 10/14/2013 11:21:43 AM PDT by GeronL
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To: Safrguns

case in point:

http://www.freerepublic.com/focus/f-news/3078794/posts


42 posted on 10/14/2013 11:21:46 AM PDT by Safrguns (PM me if you like to play Minecraft!)
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To: Safrguns

Rush talking about this now


43 posted on 10/14/2013 11:22:46 AM PDT by Safrguns (PM me if you like to play Minecraft!)
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To: boatbums
And the costs now are nothing compared to what they're going to be if amnesty passes

We have a window of opportunity to do great damage to the amnesty push. While people are in shock over what Obamacare has done to their health costs they will be receptive to discussion of how much more it will soon cost.

If you find yourself in a conversation with someone bemoaning their ObamaCare costs take the opportunity to remind them that those costs will be greatly increased with tens of millions of illegals granted amnesty and added to the rolls of freeloading ObamaCare recipients.

44 posted on 10/14/2013 11:24:58 AM PDT by Paine in the Neck (Is John's moustache long enough YET?)
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To: boatbums

I read somewhere, and I don’t know if its true or not, is that even if you do get through the process you won’t know your real cost until January when they tally up the numbers (subsidized vs paying customers) and figure out what will be needed to run the darned thing.


45 posted on 10/14/2013 11:25:30 AM PDT by Cementjungle
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To: Paine in the Neck

Yep, and right now, the ONLY people willing to put up with the privacy invasion and time required for the Obamacare website are sick people desperate for insurance.

What do you think premiums will look like, in 2015, with only sick people in the risk pool for these Obamacare plans?

Moral Hazard

Adverse Selection

Insurance terms based on reality.


46 posted on 10/14/2013 11:28:42 AM PDT by Kansas58
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To: boatbums

They’re trying to push as much of the enrollment into the next Administration as possible so that they get none of the political blame for the chaos.

Present chaos = fault of previous administration

Future chaos = responsibility of NEXT administration

Nice, huh?


47 posted on 10/14/2013 11:31:31 AM PDT by gaijin
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To: BillT
Amazon gets 70,000,000 a weeks and still manages to sell stuff.

You are entirely correct. This is simple order processing that the government turned into a MASSIVE CF.

Instead of directing citizens to "shop" for plans at mirror sites [by giving non-identifying info], THEN directing them to the order site when they have selected a plan and want to "Checkout" [now giving their personal info], the government wants ALL of your personal upfront - thus, creating the bottleneck ...

48 posted on 10/14/2013 11:38:25 AM PDT by Lmo56 (If ya wanna run with the big dawgs - ya gotta learn to piss in the tall grass ...)
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To: rightwingintelligentsia

There is a heuristic somewhere which permits a certain variation of month to month income without affecting the premium. I can’t find it now. It will be complicated when people get bonuses and things like that. States with exchanges will have some latitude to develop their algorithms. Too much ad hoc fiddling, however, is going to lead to unfairness and also game-playing on the part of the customers with hide and seek income.

It remains to be seen (for me, at least) if any after the fact up-adjustment of premium gets electronically collected from the customer’s bank account or ends up in the IRS account as a charge against refunds similar to the penalty. I think it will be the former.


49 posted on 10/14/2013 11:39:56 AM PDT by steve86 (Some things aren't really true but you wouldn't be half surprised if they were.)
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To: Cementjungle

It can’t be true at least in my state where the insurance companies have entered into contracts and, in fact, the first month’s premium has already been pre-billed in some cases.

But as to the second year’s premiums — yes, certainly. Probably will be way up.


50 posted on 10/14/2013 11:45:48 AM PDT by steve86 (Some things aren't really true but you wouldn't be half surprised if they were.)
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