One month into the rollout of Obamacare, 106,185 people had chosen a private health insurance plan using the health care reform law’s troubled exchanges, the Department of Health and Human Services announced Wednesday, the first time the Obama administration has given enrollment figures.
Technical problems besiegingHealthCare.gov, the federal online portal for insurance in more than 30 states, and the websites for several state-run marketplaces have hampered sign-up since Oct. 1 and threaten to derail President Barack Obama’s signature domestic policy achievement. The administration is far from meeting the Congressional Budget Office’s projection of enrolling 7 million people into private insurance and 9 million people into Medicaid by March 31.
The disappointing results of the first phase of Affordable Care Act enrollment underscore the fragility of the new marketplaces and the urgent need for the Obama administration to get HealthCare.gov reliably functioning by the end of this month. The coverage of millions of people whose plans are being eliminated hangs in the balance, as does the prospect of reducing the ranks of the 48 million Americans who have no health insurance.
“With the issues we’ve had, these marketplaces are working and people are enrolling,” Health and Human Services Secretary Kathleen Sebelius said during a conference call with reporters Wednesday. “We can reasonably expect that these numbers will grow substantially over the next five months.”
Some 26,794 people who have selected a health plan did so via the federally run insurance exchanges, compared to the more than 79,000 who used the exchanges in the 15 states and the District of Columbia that are operating their own marketplaces, according to the HHS report, which spans the period from Oct. 1 to Nov. 2.
Not all of the more than 100,000 people tallied by the administration have taken the final necessary step and actually made the first payment for their coverage, which begins in January, the report indicates. The Department of Health and Human Services doesn’t have accurate data on how many people made payments to insurers, which aren’t due until Dec. 15, Sebelius said.
An additional 975,407 people have completed the application to determine whether they can receive subsidies and now have only to choose a health plan, the report says. More than 396,000 people using the exchanges have been deemed eligible for Medicaid or the Children’s Health Insurance Plan.
The administration continues to plead for patience, emphasizing that the enrollment period doesn’t end for more than four months. “This data represents only a month into a sustained six-month enrollment and outreach effort and we’re confident that, as more people across the country learn about their new options, more people will find a plan that meets their needs and their budget and more will enroll in coverage,” Sebelius said.
The report cites the precedents set bythe rollout of the Massachusetts health insurance exchange in 2007 and the launch of the Medicare Part D prescription drug benefit in 2006. The White House maintains that Obamacare enrollment will surge in December and again near the end of March.
“We’re well ahead of the pace that was set by Massachusetts, so there’s not cause for concern with these particular numbers,” Don Mould, HHS assistant secretary for planning and evaluation, said during the conference call.
Although the Massachusetts health reform program and Medicare Part D also suffered from balky rollouts, the troubles besetting HealthCare.gov and some state exchanges appear more serious. On top of technical glitches, the political firestorm is more intense this time, raising questions about whether the administration can make up for lost time.
The White House is inviting individuals frustrated by their first sign-up attempts to try again, and has vowed to get HealthCare.gov running smoothly by the end of November. That timeline, which is in doubt, would leave just over two weeks for individuals to get health coverage before Dec. 15, the last day to enroll in a health plan or Medicaid in order to be covered on Jan. 1.
“The early experience of HealthCare.gov was enormously frustrating. It is getting better. It’s getting better every day, so I’d urge people to visit the site,” Sebelius said.
The White House sought to get 500,000 people enrolled in private insurance via the federal and state exchanges by the end of October, according to an internal document cited by the Associated Press that the administration has never confirmed. By the end of this month, the target is 800,000 people, including Medicaid enrollees, Centers for Medicare and Medicaid Services Administrator Marilyn Tavenner told a congressional committee last week.
The administration has always predicted that the early weeks of enrollment on the exchanges would be slow, even before severe technological failures hit HealthCare.gov and exchange websites in states including Oregon, Vermont andMaryland. The White House has re-emphasized that argument in recent weeks, while saying pent-up demand for coverage will boost sign-ups when the website is fixed.
Sebelius advised consumers not eligible for subsidies to consider buying plans directly from health insurance companies while the administration continues repairing HealthCare.gov.
Although people could use alternate means to buy health insurance, such as paper applications and the telephone hotlines for the exchanges, these methods have significant shortcomings. Health insurance tax credits for people who earn between the poverty level and four times that amount — up to about $46,000 for a single person — only are available via the exchanges. And the only way to compare every plan sold in a local area side by side is to visit an exchange website.
The states operating their own exchanges have seen mixed results, according to a breakdown in the federal report. Covered California, which made its own announcement Wednesday, has seen 35,364 people choose a health plan, and 16,404New York State of Health users have gotten that far in the process, according the federal report. By contrast, just over 1,000 people using Maryland Health Connectionand Vermont Health Connect have, while Cover Oregon hasn’t enrolled anyone into private insurance because it has yet to launch its enrollment portal.
The contrast between the states with well-functioning enrollment systems and those relying on HealthCare.gov is stark. More individuals in California, the most populous state and home to the most uninsured people, have chosen a plan than in all the states with federally run marketplaces combined, the report shows. The number of Californians who got that far is more than 12 times higher than in Texas, the state with the second-largest population and number of uninsured. In five of states using HealthCare.gov — Alaska, Delaware, North Dakota, South Dakota and Wyoming — fewer than 100 people have selected insurance.
Medicaid enrollments are outpacing private insurance sign-ups, the report shows.Twenty-five states and the District of Columbia are expanding the federal-state health program for the poor to anyone earning up to 133 percent of the poverty level, which is about $15,300 for a single person. The remaining states opted out of the expansion,leaving about 8 million people without health coverage.
The raw numbers of people getting private insurance on the exchanges in each state arguably are less important than having the right mix of healthy and sick customers, which is crucial to keeping premiums down in future years. Of the 7 million people originally projected to buy insurance on these marketplaces, the White House estimated that 2.7 million needed to be younger and healthier. HHS isn’t releasing demographic information yet about who is signing up, Sebelius said. The first enrollees were older than expected, the Wall Street Journal reported last week, citing health insurance industry sources.
Obamacare is under intensifying scrutiny on Capitol Hill, as Republicans stage a series of hearings to hammer away at the administration’s failure to launch a working web portal. They will also highlight consumers whose current health plans won’t be available next year in spite of Obama’s oft-stated promise that people wouldn’t lose their benefits because of the law.
The House is scheduled to vote this week on a measure that would let insurers extend 2013 policies into next year, and the bill has attracted a handful of Democratic supporters. In the Senate, Mary Landrieu (D-La.) has been joined so far by six Democrats in favor of legislation that would let insurance companies keep offering their current plans indefinitely to existing customers. Former President Bill Clinton on Tuesday urged Obama to find a way to let people keep their plans into next year.
The White House has rejected such legislation as anathema to the Affordable Care Act’s goal of reforming the health insurance market by guaranteeing a minimum level of benefits and financial protections and by keeping insurers from turning away people with pre-existing conditions. The insurance industry has also warned that such proposals could increase premiums by keeping healthy people out of the exchanges. At the same time, Obama apologized to people losing their coverage and said his administration is looking for ways to ease the transition, although he didn’t say how.
November 28, 2015 //
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