Insurers say the federal health-care marketplace is generating flawed data that is straining their ability to handle even the trickle of enrollees who have gotten through so far, in a sign that technological problems extend further than the website traffic and software issues already identified.
Emerging errors include duplicate enrollments, spouses reported as children, missing data fields and suspect eligibility determinations, say executives at more than a dozen health plans. Blue Cross & Blue Shield of Nebraska said it had to hire temporary workers to contact new customers directly to resolve inaccuracies in submissions. Medical Mutual of Ohio said one customer had successfully signed up for three of its plans.At Mother Jones, Kevin Drum writes:
I've been corresponding with a friend about the problems with the federal Obamacare website, and I have to admit that I'm having second thoughts about my initial reaction. Back on October 2, it looked to me like the problems were serious, but nothing all that out of the ordinary for a big software project. My conclusion: "Before long, the sites will all be working pretty well, with only the usual background rumble of small problems. By this time next month, no one will even remember that the first week was kind of rocky or that anyone was initially panicked."
That might still be the case, and certainly one of the lessons of big software rollouts is that you always reach a point when you're finally convinced that you really are well and truly doomed—and that's often the point when things start to get better. Maybe that's where we are now. But the reporting we've seen recently about the nature of the Obamacare problems certainly suggests otherwiseAt The Huffington Post, Jeffrey Young writes:
Time remains for these problems to be resolved, but not much. "If things aren't resolved in three weeks, we've got some serious, serious problems," said Timothy Jost, a law professor and health care reform expert at Washington & Lee University in Lexington, Va., and an Obamacare supporter. "I don't think we're anywhere close to there yet, but if the whole thing collapses, it'll be another generation before we get this problem fixed."
The stakes are high for uninsured people, individuals and families who buy their health insurance directly and the entire health care industry. Without a functioning health insurance exchange, many people too sick or too poor to get health insurance under the old rules will remain shut out of the system. The millions of Americans who already buy their own insurance will face major disruptions. Health insurance companies could experience a nightmare scenario where the bulk of the individuals who brave the frustrating sign-up process are those who are sick, desperate for coverage and expensive to treat.
And anyone who isn't able to get coverage because of the exchanges' problems could confront the prospect of tax penalties through no fault of their own.