Barack Obama, our next President

There are 1232441 comments on the Hampton Roads Daily Press story from Nov 5, 2008, titled Barack Obama, our next President. In it, Hampton Roads Daily Press reports that:

"The road ahead will be long. Our climb will be steep," Obama cautioned. Young and charismatic but with little experience on the national level, Obama smashed through racial barriers and easily defeated ...

Join the discussion below, or Read more at Hampton Roads Daily Press.

sonicfilter

Fishers, IN

#992144 Sep 30, 2013
GOP Activists vs.‘Donorists’: Pick Your Poison

....the push to “defund,” or merely delay the implementation of Obamacare is maybe the most moronic and counterproductive gambit yet devised by the fire-breathing right flank of the congressional GOP.

http://www.theamericanconservative.com/gop-ac...

Here’s the bad-to-worse takeaway: the K-Street Republicans may be about the cynical business of lining the pockets of their bespoke suits. But the true believers are no more capable of leading the party out of the political wilderness in which it found itself last November.
No Surprize

Seminole, FL

#992145 Sep 30, 2013
OBAMA the GENIUS wrote:
<quoted text>
Republicans afraid of Blue Cross co pay cards?
That wicked OBAMACARE!
Provided by BLUE CROSS.
That's a great outfit.
According to Republicans:
Blue Cross is communist?
Try to take away 50 million co pay cards with nothing to replace them?
Republicans: no plan!
Just crybaby fits.
OBAMACARE! IT'S EVERYWHERE! TOMORROW!
(provided by non communist Blue Cross!)
Ruth Chambers Holt Kennett - OBAMA the GENIUS

Facebook: https://www.facebook.com/ruth.chambersholt
http://www.topix.com/forum/city/kennett-mo/TA...

Just how stupid is Ruth Chambers Holt?
http://www.topix.com/forum/city/kennett-mo/TB...

Greensboro, NC - Knightdale and Rocky Mount, NC http://www.topix.com/album/detail/gainesville...

Ruth Chambers Holt miserable life forever engraved on the internet
http://www.google.com/search...

It's the culture..
Buroc Millhouse Obama

Newington, CT

#992146 Sep 30, 2013
ROTFLMAO!!! Brainless commie Reichatrd propaganda post # 1!
sonicfilter wrote:
GOP Activists vs.‘Donorists’: Pick Your Poison
....the push to “defund,” or merely delay the implementation of Obamacare is maybe the most moronic and counterproductive gambit yet devised by the fire-breathing right flank of the congressional GOP.
http://www.theamericanconservative.com/gop-ac...
Here’s the bad-to-worse takeaway: the K-Street Republicans may be about the cynical business of lining the pockets of their bespoke suits. But the true believers are no more capable of leading the party out of the political wilderness in which it found itself last November.
forks_make_us_fa t

Norman, OK

#992147 Sep 30, 2013
Good morning folks!

"Liberal Freaks Over Climate, Won’t Fly, Won’t Have Children (Maybe)"

http://www.thegatewaypundit.com/2013/09/liber...
Michelle

New York, NY

#992148 Sep 30, 2013
PDUPONT wrote:
<quoted text>
And yet the candidate who promised to repeal this "very unpopular" law was defeated and the one who actually enacted it won. Go figure! Also Republicans who were opposed to the ACA lost seats in both houses of congress.
The clueless will be initiated by fire when they are dumped into an exchange after employers keep cutting healthcare as a benefit.

The National Journal — not generally known as part of the vast right-wing conspiracy — found that, even after accounting for subsidies, most Americans will pay more in premiums for ObamaCare plans than they do for their employee plans today.

And out-of-pocket costs — deductibles, copayments, co-insurance — are all likely to be higher for exchange-based plans.

A study by Avalere Health found that ObamaCare’s “affordable” bronze plans had an average deductible of $5,150, more than four times higher than the average deductible in employer-sponsored coverage this year.

By one estimate, all the ADDED COSTS for the average family of four over the next eight years add up to an extra $7,450 due to ObamaCare.

There will be FEWER CHOICES:
Those shopping on the exchange are apt to find relatively few plans to choose from, since several large insurers have declined to participate. In New York, for example, Aetna, the nation’s No. 3 insurer, has withdrawn from the state-run exchange.

And the insurance plan you buy may not include your current doctor.(didn't "The One" make a speech promising if you like your doctor, you can keep him or her?") As The New York Times reports, many insurers are trying to control costs by cutting down the number of hospitals and doctors in their networks.

‘Glitches’:
That’s what the Obama administration euphemistically calls some early problems. For example, that the software that determines how much people actually have to pay for the insurance can’t actually calculate the price. Oops.

No wonder the same unions that pushed for Obammycare are now upset and Nancy Pelosi who didn't read it but passed it won't ever have to use it.
READ THE DAMN BILL

Winterville, NC

#992149 Sep 30, 2013
President Barack Obama famously promised,“If you like your health care plan, you can keep your health care plan.” He later got even more specific.

“If you are among the hundreds of millions of Americans who already have health insurance through your job, or Medicare, or Medicaid, or the VA, nothing in this plan will require you or your employer to change the coverage or the doctor you have,” Obama said.

But as Obamacare’s rollout approaches, we have learned this is not true. Here are the ten states where consumers may like their health care plans, but they won’t be able to keep them.

1) California: 58,000 will lose their plans under Obamacare. The first bomb dropped in California with a mass exodus from the most populated state’s Obamacare exchange. Aetna, the country’s largest insurer, left first in July and was closely followed by UnitedHealth. Anthem Blue Cross pulled out of California’s Obamacare exchange for small businesses as well.

Fifty-four percent of Californians expect to lose their coverage, according to an August pol

Read more: http://dailycaller.com/2013/09/28/ten-states-...
Michelle

New York, NY

#992150 Sep 30, 2013
OBAMA the GENIUS wrote:
<quoted text>
Republicans afraid of Blue Cross co pay cards?
That wicked OBAMACARE!
Provided by BLUE CROSS.
That's a great outfit.
According to Republicans:
Blue Cross is communist?
Try to take away 50 million co pay cards with nothing to replace them?
Republicans: no plan!
Just crybaby fits.
OBAMACARE! IT'S EVERYWHERE! TOMORROW!
(provided by non communist Blue Cross!)
OBAMACARE! IT'S EVERYWHERE! TOMORROW!

Sounds like a Zombie Apocolypse.
READ THE DAMN BILL

Winterville, NC

#992151 Sep 30, 2013
2) Missouri: Patients of the state’s largest hospital system — which spans 13 hospitals including the St. Louis Children’s Hospital — will not be covered by the largest insurer on Obamacare exchanges, Anthem BlueCross BlueShield. Anthem covers 79,000 patients in Missouri who may seek subsidies on Obamacare exchanges, but won’t be able to see any doctors in the BJC HealthCare system.

3) Connecticut: Aetna, the third largest insurer in the nation, won’t offer insurance on the Obamacare exchange in its own home state, where it was founded in 1850. The reason?“We believe the modification to the rates filed by Aetna will not allow us to collect enough premiums to cover the cost of the plans and meet the service expectations of our customers,” said Aetna spokesman Susan Millerick.

4) Maryland: 13,000 individuals covered by Aetna and its recently-purchased Coventry Health Care won’t be able to keep their insurance plans if they want Obamacare subsidies on the exchanges. Aetna and Coventry canceled plans to offer insurance in the exchange when state officials wouldn’t allow them to charge premiums high enough to cover costs.

5) South Carolina: 28,000 people were insured by Medical Mutual of Ohio, SC’s second-largest insurance company, until it decided to leave the state entirely in July due to Obamacare’s “vast and quite complex” new regulations. Company spokesman Ed Byers said Medical Mutual’s patients would be switched over to United Healthcare plans instead.

6) New York: Aetna pulled out of New York’s exchange in late August in an effort to keep their plans “financially viable,” said Aetna spokeswoman Cynthia Michener.

7) New Jersey: 1.1 million Aetna customers are at risk in New Jersey, where the leading insurer also won’t be a part of the exchange. Just 2,600 patients purchase individual plans with the company, but any looking to take advantage of subsidies on the exchange for unaffordable employer-based insurance won’t be able to do with Aetna.

8) Iowa: Wellmark Blue Cross and Blue Shield, Iowa’s largest health insurer, decided not to offer plans in the Obamacare exchange. It sells 86 percent of Iowa’s individual health insurance plans.

9) Wisconsin: Two of the three largest insurers in the state won’t offer plans on the exchange. United Healthcare and Humana patients will have to get a new health insurer to buy insurance on Obamacare exchanges.

10) Georgia: Just five insurers are participating in Georgia’s Obamacare exchange. Medical Mutual of Ohio left Georgia and Indiana as well as South Carolina, due to Obamacare regulations. Aetna, along with Coventry, also decided against participating in the George health exchange.

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Read more: http://dailycaller.com/2013/09/28/ten-states-...

Since: May 11

Gettysburg, PA

#992152 Sep 30, 2013
flack wrote:
<quoted text> Oh no! You really didn't just say that? "The law may apply to all but it really only affects those without photo ID". hahahahaha!!! Man, I would be pissed if I thought my party thought I was to stupid to get an photo ID if I wanted to vote. Well, wait a minute. They are to stupid to get a photo ID if they want to vote. Never mind.
Now Flacktard calls black people stupid. Or are you calling poor people stupid? Maybe you are calling those elderly without a photo ID stupid.

Which is it Flack?

Here in the county I live, I am 20 miles from a photo center. How does a person get to that photo ID center to get that photp ID? Obviously, they do not drive.

These laws are , by definition, voter suppression.

Republicans know that when they erect this photo ID hurdle than many will not get that ID & thereby no longer vote. This was the purpose of this law because there is no evidence of significant voter fraud that a photo ID requirement will stop.

NONE

It has nothing to do with why they would not get a photo ID.

Some may just give up voting. Some just can't get that ID. The reason is not relevant.

What is relevant is that Republicans are engaging in voter suppression with the sole purpose of reducing the black / Democrat vote.

This this pretend Constitution lover, Flack, is all for it.

I bet Flack went to 95 North of Richmond to worship that large Confederate Flag when they raised it.

READ THE DAMN BILL

Winterville, NC

#992153 Sep 30, 2013
111
TH
C
ONGRESS
2d Session
P
RINT
111–1
COMPILATION OF PATIENT PROTECTION
AND AFFORDABLE CARE ACT
[As Amended Through May 1, 2010]
INCLUDING
P
ATIENT
P
ROTECTION AND
A
FFORDABLE
C
ARE
A
CT
H
EALTH
-
RELATED PORTIONS OF THE
H
EALTH
C
ARE AND
E
DUCATION
R
ECONCILIATION
A
CT OF
2010
PREPARED BY THE
Office of the Legislative Counsel
FOR THE USE OF THE
U.S. HOUSE OF REPRESENTATIVES
MAY 2010
VerDate 0ct 09 2002 14:17 Jun 09, 2010 Jkt 000000 PO 00000 Frm 00001 Fmt 6012 Sfmt 6012 F:\P11\NHI\COMP\PPACFRN.001 HOLCPC
June 9, 2010
f:\seals\congseal.004
i
OFFICE OF THE LEGISLATIVE COUNSEL
SANDRA L. STROKOFF, Legislative Counsel
EDWARD G. GROSSMAN, Deputy Legislative Counsel
Prepared by
E
DWARD
G. G
ROSSMAN
,
Deputy Legislative Counsel
with the assistance of
C
RAIG
A. S
TERKX
,
Publications Coordinator
E
LONDA
C. B
LOUNT
,
Staff Assistant
E
MILY
M. V
OLBERDING
,
Staff Assistant
This document is of the Patient Protection and Affordable Care
Act (‘‘PPACA’’; Public Law 111–148) consolidating the amendments
made by title X of the Act and the Health Care and Education Rec-
onciliation Act of 2010 (‘‘HCERA’’; Public Law 111–152). The text
of the Indian Health Care Improvement Reauthorization and Ex-
tension Act of 2009 (S. 1790), as enacted (in amended form) by sec-
tion 10221 of PPACA, is shown in a separate, accompanying docu-
ment.
Preparation of document
.—This document was prepared by
the attorneys and staff of the House Office of the Legislative Coun-
sel (HOLC) for the use of its attorneys and clients. It is not an offi-
cial document of the House of Representatives or its committees
and may not be cited as ‘‘the law’’. At the request of the Leader-
ship, it is being made available to the public through Congressional
websites and may be downloaded at http://docs.house.gov/
energycommerce/ppacacon.pdf. Errors in this document are solely
the responsibility of HOLC. Please email any corrections to
‘‘hlccomments@mail.house.gov’’ . This document (originally dated
May 24, 2010) may be updated to reflect corrections of errors or
subsequent changes in law.
United States Code citations
.—United States Code section
numbers assigned to sections in PPACA are specified in brackets
after the section numbers in the heading of each section, viz., 2711
ø
42 U.S.C. 300gg–11
¿
.
VerDate 0ct 09 2002 14:18 Jun 09, 2010 Jkt 000000 PO 00000 Frm 00001 Fmt 0486 Sfmt 6601 F:\P11\NHI\COMP\PPACFRN.002 HOLCPC
June 9, 2010
sonicfilter

Fishers, IN

#992155 Sep 30, 2013
Buroc Millhouse Obama wrote:
ROTFLMAO!!! Brainless commie Reichatrd propaganda post # 1!
<quoted text>
how's it feel to have conservatives telling the tea party nutjobs that they're failing?
No Surprize

Seminole, FL

#992156 Sep 30, 2013
Buroc Millhouse Obama wrote:
ROTFLMAO!!! Brainless commie Reichatrd propaganda post # 1!
<quoted text>
sonicmoron always 24/7 bent over and punked by cut-n-paste spam and Fox News...

If it's ghetto, ignorant, and idiot, it's free cheese, loser, and liberal..

It's the culture...
Michelle

New York, NY

#992157 Sep 30, 2013
OK, write this down: Topix September 30, 2013, Page 45746. We can have a 1 year reunion and then a 2 year reunion where those of us who didn't believe the Have Teleprompter Will Speak Empty Suit POTUS will get to shout in unison: "Told you so."

Obamacare is an Invitation to fraud:
The system also can’t verify your income or whether your employer offered you “affordable” coverage. So Team Obama says it will often have to rely on applicants’“attestation”— that is, take their word for it. After all, who would lie?

And get ready for Identify theft:
To figure out who’s eligible for subsidies or Medicaid, the exchanges will collect both tax and health-care data from applicants — everything from last year’s income to the prescription drugs you take.

All that data’s supposed to go into a “data hub” that draws on records from at least seven different government agencies — the IRS, the Social Security Administration, Homeland Security, the Veterans Health Administration, the Department of Defense, the Office of Personnel Management and the Peace Corps.

But the administration has missed repeated deadlines for testing, reporting and correcting security risks for the hub. The program’s security is supposed to be certified ... today — the day before it goes into effect.

That’s not all. State-employed “navigators” are supposed to help people through the exchange’s byzantine application process; they’ll have access to such sensitive information as your Social Security number, date of birth, bank account number, place of employment and medical history. But many states hired navigators without doing criminal background checks; the only definite requirement is 20 hours of training. Can you imagine the hoodie wearing thugs of the same calibre as TSA screeners will be handling your application?

For years we’ve been debating ObamaCare. Now, at last, millions of Americans are about to find out exactly what it means for them. They’re not likely to be pleased but the mostly clueless will as intended by Democrats, not wake up until after the midterm elections or in a couple of years when they eventually find out their kids social security numbers are being used by a couple of thousand illegal aliens. Or, their personal medical info has been sold after having been hacked into.
forks_make_us_fa t

Norman, OK

#992158 Sep 30, 2013
when in doubt, do what your VP tells you to do...

"Washington Whispers
Biden's Shotgun Advice Invoked as Defense by Man Arrested for Shooting Gun in Air"

http://www.usnews.com/news/blogs/washington-w...
READ THE DAMN BILL

Winterville, NC

#992159 Sep 30, 2013
The physician said on CNN’s “State of the Union” that consumers are in for a case of sticker shock, adding that Americans will have difficulty finding a doctor to care for them.

“The president made a couple of promises. One with the exchanges, and he said it would be cheaper than a cell phone bill. And I don't expect a lot of people to be able to find something less than $71 a month on the exchanges,” he said.

“People are going to be paying more. And he said … if you have your doctor and you like your doctor, you can keep your doctor. We're seeing all across the country exchanges that trying to get the price down have had to exclude many doctors.”

Barrasso rattled off a list of states with exchange problems, including Vermont, Oregon and the District of Columbia.

“This law is unworkable. It's unpopular. It is unaffordable for us as a nation. It's hurting jobs. It's hurting the economy. And now, what I'm hearing and I was at a health fair in Wyoming yesterday, it is unfair,” Barrasso said.

“Someone said to me why is it that the president is going to give my boss a one-year delay? The bosses are getting a delay, but the workers are not. And we need a delay in the individual mandate.”

Senators on Monday are expected to consider a stopgap spending bill approved by the House early Sunday that delays ObamaCare for one year.

Read more: http://thehill.com/video/sunday-shows/325355-...
Follow us:@thehill on Twitter | TheHill on Facebook
OBAMA the GENIUS

Pittsboro, NC

#992160 Sep 30, 2013
Hey idiot!

$5 grand deductible on the lowest cost plan?

AWESOME!

if I get sick and spend a week in the Hospital: cost around $200,000

I only owe $5 grand!

On the lowest cost plan!

WOW!

SIGN ME UP!

Most people who buy their own insurance now have $10,000 deductible.

OBAMACARE! Saving me $400 per month with BETTER coverage!

Provided by Blue Cross......great outfit!

(Sell your poison to your grandma....stupid idiot!)

......

......
Michelle wrote:
<quoted text>The clueless will be initiated by fire when they are dumped into an exchange after employers keep cutting healthcare as a benefit.
The National Journal — not generally known as part of the vast right-wing conspiracy — found that, even after accounting for subsidies, most Americans will pay more in premiums for ObamaCare plans than they do for their employee plans today.
And out-of-pocket costs — deductibles, copayments, co-insurance — are all likely to be higher for exchange-based plans.
A study by Avalere Health found that ObamaCare’s “affordable” bronze plans had an average deductible of $5,150, more than four times higher than the average deductible in employer-sponsored coverage this year.
By one estimate, all the ADDED COSTS for the average family of four over the next eight years add up to an extra $7,450 due to ObamaCare.
There will be FEWER CHOICES:
Those shopping on the exchange are apt to find relatively few plans to choose from, since several large insurers have declined to participate. In New York, for example, Aetna, the nation’s No. 3 insurer, has withdrawn from the state-run exchange.
And the insurance plan you buy may not include your current doctor.(didn't "The One" make a speech promising if you like your doctor, you can keep him or her?") As The New York Times reports, many insurers are trying to control costs by cutting down the number of hospitals and doctors in their networks.
‘Glitches’:
That’s what the Obama administration euphemistically calls some early problems. For example, that the software that determines how much people actually have to pay for the insurance can’t actually calculate the price. Oops.
No wonder the same unions that pushed for Obammycare are now upset and Nancy Pelosi who didn't read it but passed it won't ever have to use it.
READ THE DAMN BILL

Winterville, NC

#992161 Sep 30, 2013
PORTLAND, Ore.— Rocky King, the executive director of Oregon’s new health insurance exchange, has done everything in his power to tamp down expectations for its opening on Tuesday.
Multimedia
Graphic
Shopping for Coverage
Related
On the Threshold of Obamacare, Warily (September 29, 2013)
Your Money: A Guide to the New Exchanges for Health Insurance (September 28, 2013)
National Twitter Logo.
Connect With Us on Twitter
Follow @NYTNational for breaking news and headlines.
Twitter List: Reporters and Editors
Enlarge This Image
Thomas Patterson for The New York Times
Rocky King, who heads Oregon’s new health insurance exchange, said,“I have no idea what this thing’s going to look like on Oct. 1.”
He rejected the idea of a flashy downtown news conference that morning. He postponed a series of ads meant to drive customers to its Web site, coveroregon.com . In fact, Mr. King is not even allowing people to sign up for health coverage online without assistance at first; they will have to go through an insurance agent or a community group until at least mid-October.
Tuesday is the long-awaited kickoff of President Obama’s signature health care law, when millions of Americans can start signing up for new insurance options. Yet across the country, officials are issuing warnings that despite fevered efforts, their new insurance exchanges — online markets where people can shop for health plans and see if they qualify for federal subsidies — will not be fully operational for weeks or even months.
Last week, the District of Columbia’s exchange announced that it would not immediately be able to determine online whether people qualify for Medicaid, which about half the states are expanding under the law, or for a federal subsidy to help cover the cost of private coverage. In Colorado, for the first month, people who want to know if they are eligible for a subsidy will have to call a customer service line.
In Nevada, home to a large Hispanic population, a Spanish-language version of the exchange Web site will not be ready until mid-November. And in Maryland, small businesses will not be able to buy insurance for their employees through the state exchange until January. Federally run exchanges are having similar problems.
Many of the 16 directors of state-run exchanges are describing October as a “soft launch” period, when Americans can start exploring their coverage options — but on Web sites that may be incomplete, vulnerable to glitches and perhaps not ready for an onslaught of customers.
“I have no idea what this thing’s going to look like on Oct. 1,” Mr. King said one afternoon last week as dozens of tense-looking programmers, scattered through the exchange offices outside Portland, rushed to finish testing and fix problems.“We could crash and burn and have to close it down.”
The outcome could hardly be more important for Mr. Obama. With Republicans threatening to shut down the government unless Democrats agree to delay the law for a year, even small problems with the exchanges could be powerful fodder for the law’s opponents.
In an indication of the difficulty of the job, some of the states with delays, like Oregon and Maryland, have been preparing for many months and have political leaders who strongly support the law.
“It makes you wonder about the exchanges that actually have been at this a shorter period of time,” said Jon Kingsdale, a managing director at Wakely Consulting Group, who is advising several state-run exchanges.“Do they even know what their problems are?”
The federal government, which will operate all or part of the exchanges in more than 30 states that declined to create their own, mostly because of political opposition to the law, is having readiness problems of its own. In one example, the Obama administration said on Thursday that small businesses would not be able to buy coverage online through federally run exchanges until November.
No Surprize

Seminole, FL

#992162 Sep 30, 2013
RealDave wrote:
<quoted text>
Now Flacktard calls black people stupid. Or are you calling poor people stupid? Maybe you are calling those elderly without a photo ID stupid.
Which is it Flack?
Here in the county I live, I am 20 miles from a photo center. How does a person get to that photo ID center to get that photp ID? Obviously, they do not drive.
These laws are , by definition, voter suppression.
Republicans know that when they erect this photo ID hurdle than many will not get that ID & thereby no longer vote. This was the purpose of this law because there is no evidence of significant voter fraud that a photo ID requirement will stop.
NONE
It has nothing to do with why they would not get a photo ID.
Some may just give up voting. Some just can't get that ID. The reason is not relevant.
What is relevant is that Republicans are engaging in voter suppression with the sole purpose of reducing the black / Democrat vote.
This this pretend Constitution lover, Flack, is all for it.
I bet Flack went to 95 North of Richmond to worship that large Confederate Flag when they raised it.
If it's ghetto, ignorant, and idiot, it's illiterate, loser, RealDumbDave and liberal..

We're suppose to care what you ghetto cheese folk "think?" LMAO.. You folk ain't NO Tea Party....

It's the culture...
Michelle

New York, NY

#992163 Sep 30, 2013
RealDave wrote:
<quoted text>
Now Flacktard calls black people stupid. Or are you calling poor people stupid? Maybe you are calling those elderly without a photo ID stupid.
Which is it Flack?
Here in the county I live, I am 20 miles from a photo center. How does a person get to that photo ID center to get that photp ID? Obviously, they do not drive.
These laws are , by definition, voter suppression.
Republicans know that when they erect this photo ID hurdle than many will not get that ID & thereby no longer vote. This was the purpose of this law because there is no evidence of significant voter fraud that a photo ID requirement will stop.
NONE
It has nothing to do with why they would not get a photo ID.
Some may just give up voting. Some just can't get that ID. The reason is not relevant.
What is relevant is that Republicans are engaging in voter suppression with the sole purpose of reducing the black / Democrat vote.
This this pretend Constitution lover, Flack, is all for it.
I bet Flack went to 95 North of Richmond to worship that large Confederate Flag when they raised it.
Total BS unless this is already Rwanda or Zimbabwe. If the applicants couldn't get their welfare checks without photo ID, they'd manage to get a picture taken and pronto.
READ THE DAMN BILL

Winterville, NC

#992164 Sep 30, 2013
“Everybody is working 24/7,” Christine C. Ferguson, the director of Rhode Island’s exchange, told reporters in a conference call last week.“We are sliding into that date still testing and making sure that we are able to fulfill the promise that we’ve made for Oct. 1.”
Enlarge This Image
Thomas Patterson for The New York Times
Cover Oregon is the state’s new insurance marketplace.
On the Threshold of Obamacare, Warily (September 29, 2013)

Any insurance coverage acquired through the exchanges will not take effect until Jan. 1, when the health care law will start requiring most Americans to have insurance or pay a tax penalty. Ms. Ferguson and other officials are predicting that while people might flood the exchange Web sites in October to learn about their options, few will actually enroll so soon.
To be covered starting Jan. 1, people need to sign up for coverage through the exchanges by Dec. 15. The first open enrollment period will run from Oct. 1 to March 31.
“The idea that huge numbers are in essence going to do layaway purchasing three months out, I just think runs against the American way,” Ms. Ferguson said.
Peter V. Lee, the executive director of California’s exchange, joked in the conference call with Ms. Ferguson last week that he expected a total of two people to sign up for health plans on Day 1. Tuesday, he said, would be “important as a historic marker of our nation saying health care is a right, not a privilege.” But California does not expect many people to start signing up until November, he added.
At the state’s exchange here, known as Cover Oregon, posters urge the staff to “Keep Calm and Go Live.” Last week, 180 staff members and consultants were proofing some 500,000 lines of computer code, 1,500 Web site pages and 5,000 possible premium rates that will vary depending on where people live, how old they are, how much money they make and which insurance company and plan they choose. A downstairs conference room had taken on the look of a modern-day sweatshop, with long tables lined with workers tapping away on laptops. Even the bike storage room had been converted to a testing room.
“Still smiling?” Mr. King asked one group of workers.“O.K.”
Mr. King said rate quotes had been one of the trickiest things to get right, a problem that also appears to be plaguing other states and the federal government. Mila Kofman, the executive director of the D.C. Health Benefit Exchange Authority, said she had discovered “a high error rate, about 15 percent,” in tests to determine if people were eligible for tax credits or Medicaid. The errors, she said, occurred in complicated cases involving large families with different sources of coverage.
“If one in 10 people get the wrong information,” Ms. Kofman said,“that’s too many in my book.”
Because of the errors, Ms. Kofman said, a family might be told it qualified for a tax credit of $150 a month when it was eligible for only $50.
The agency will be able to determine eligibility in November, she added, and people who qualify will still be able to get subsidized coverage on Jan. 1 as originally planned.
In Portland, Mr. King said a “go-live team” would hunker down on Tuesday in a “situation room” next to his office, monitoring a hot line that insurance companies, agents and community groups helping with enrollment and others can call to report technological problems. Similar efforts will play out in state exchanges across the country.
“I tell everybody,‘If the site isn’t right, I’ll close it and we’ll fix it,’” he said.“We’ve just got to make sure that stuff is correct for folks.”

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