4 Days to HIX Launch: What to Expect Next Week
What will happen next week, when the 51 public health insurance exchanges open for business?
What will happen next week, when the 51 public health insurance exchanges open for business? In many cases very little.
The October 1 launch of the state-based exchanges, including a separate Web site for the District of Columbia, is clearly an important milestone for U.S. health care reform and the Affordable Care Act, which authorizes the online insurance markets. Public attention has been focused on this date, and there is the very real chance of an embarrassing systems crash or a series of operational miscues that could delay enrollments, generate negative publicity and potentially jeopardize sensitive data.
But while not discounting the impact of these possibilities, even a dramatic mishap or a government shutdown is liable to do little to throw the slow slog toward health care reform wildly off track. In the three-and-a-half years since the passage of the ACA, progress to implement the new law has been lurching and uneven and is liable to remain so in the wake of October 1.
Here’s a rundown of some of the key issues and how they are liable to play out next week:
State residents will still be able to shop for health plans and to enroll in coverage on Tuesday, but they will need to sit down with a trained agent to log on to the system.
“We want to make sure we don’t overload the system and to make sure we quickly identify and resolve any bugs, but at the same time we want to open October 1," according to a Cover Oregon spokesperson.
"Navigating health care reform is puzzling and challenging for most employers," says Michael Zuna, Aflac executive vice president and chief marketing officer. "And, many companies aren't prepared to comply with the employee notice deadline which is just a few days away.”
Meanwhile in California, the Kaiser Family Foundation reports that most of the state’s uninsured population has heard little about the ACA and the exchanges, and that many uninsured residents are unaware that they are likely to quality for premium subsidies or the state’s newly expanded Medicaid program.
According to the report, individuals and families will have an average of 53 plan choices, almost everyone will have a choice of two or more insurance issuers, and the average premium nationally for the second-cheapest silver-tier plan will be $328 a month without a federal premium subsidy — 16% lower than projections based on Congressional Budget Office estimates.
"There is a high level of public skepticism regarding the privacy and data security safeguards for the government exchanges," Kev Coleman, Head of Research & Data at HealthPocket, said in a statement.
For more about what to expect when the exchanges launch next week see the following:
Sebelius: ‘We'll be ready on Oct. 1'
Consumers Not Concerned with Major Health Insurers Missing from Exchanges
Latest Poll Finds Confusion, Ignorance over Health Care Reform Still Rampant
CMS: One Hour to Report HIX Security Incidents
Computer Bugs Not Expected to Infest Enrollment
Obama’s Small Business Health Markets Delayed for 1 Month
Don't forget about employee ACA communication due Oct. 1
The October 1 launch of the state-based exchanges, including a separate Web site for the District of Columbia, is clearly an important milestone for U.S. health care reform and the Affordable Care Act, which authorizes the online insurance markets. Public attention has been focused on this date, and there is the very real chance of an embarrassing systems crash or a series of operational miscues that could delay enrollments, generate negative publicity and potentially jeopardize sensitive data.
But while not discounting the impact of these possibilities, even a dramatic mishap or a government shutdown is liable to do little to throw the slow slog toward health care reform wildly off track. In the three-and-a-half years since the passage of the ACA, progress to implement the new law has been lurching and uneven and is liable to remain so in the wake of October 1.
Here’s a rundown of some of the key issues and how they are liable to play out next week:
- A number of state exchanges will not be fully up and running in time for the deadline. Among them are Colorado and Oregon, as well as the District of Columbia, each of which has enthusiastically embraced the ACA and will operate its own state or district-based exchange.
State residents will still be able to shop for health plans and to enroll in coverage on Tuesday, but they will need to sit down with a trained agent to log on to the system.
“We want to make sure we don’t overload the system and to make sure we quickly identify and resolve any bugs, but at the same time we want to open October 1," according to a Cover Oregon spokesperson.
- Initial enrollment on the exchanges will be curtailed by lack of public awareness and confusion.
"Navigating health care reform is puzzling and challenging for most employers," says Michael Zuna, Aflac executive vice president and chief marketing officer. "And, many companies aren't prepared to comply with the employee notice deadline which is just a few days away.”
Meanwhile in California, the Kaiser Family Foundation reports that most of the state’s uninsured population has heard little about the ACA and the exchanges, and that many uninsured residents are unaware that they are likely to quality for premium subsidies or the state’s newly expanded Medicaid program.
- Premium levels are likely to be lower and more health plans will be available than has been widely forecast.
According to the report, individuals and families will have an average of 53 plan choices, almost everyone will have a choice of two or more insurance issuers, and the average premium nationally for the second-cheapest silver-tier plan will be $328 a month without a federal premium subsidy — 16% lower than projections based on Congressional Budget Office estimates.
- Public fears over data privacy and security on the exchanges remains high, and nothing that happens next week is liable to allay those concerns.
"There is a high level of public skepticism regarding the privacy and data security safeguards for the government exchanges," Kev Coleman, Head of Research & Data at HealthPocket, said in a statement.
- The tax implications of the ACA for employers, insurance carriers and consumers are an on-going source of confusion, and the IRS and other government agencies are still working to clarify them.
For more about what to expect when the exchanges launch next week see the following:
Sebelius: ‘We'll be ready on Oct. 1'
Consumers Not Concerned with Major Health Insurers Missing from Exchanges
Latest Poll Finds Confusion, Ignorance over Health Care Reform Still Rampant
CMS: One Hour to Report HIX Security Incidents
Computer Bugs Not Expected to Infest Enrollment
Obama’s Small Business Health Markets Delayed for 1 Month
Don't forget about employee ACA communication due Oct. 1