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Latest ObamaCare surprise: Most won't be able to buy health insurance until end of year
FOX News ^ | 8April 6, 2014 | By Jim Angle

Posted on 04/08/2014 6:00:02 PM PDT by Jim Robinson

There is yet another ObamaCare surprise waiting for consumers: from now until the next open enrollment at the end of this year, most people will simply not be able to buy any health insurance at all, even outside the exchanges.

"It's all closed down. You cannot buy a policy that is a qualified policy for the purpose of the ACA (the Affordable Care Act) until next year on January 1," says John DiVito, president of Flexbenefit which has 2,500 brokers.

John Goodman of the National Center for Policy Analysis in Dallas adds, "People are not going to be able to buy individual and family policies, and that's part of ObamaCare. And what makes it so surprising is the whole point of ObamaCare was to encourage people to get insurance, and now the market has been completely closed down for the next seven months."

That means that with few exceptions, tens of millions of people will be locked out of the health insurance market for the rest of this year.

Only about one in four subsidy-eligible people signed up for health insurance," says Robert Laszewski of Health Policy Associates. "That means about 13 million subsidy-eligible people have not yet signed up for health insurance."

Add to that millions more who waited, or thought the policies under ObamaCare were too expensive and decided just to pay the tax penalty.

Although those who failed to buy insurance during the enrollment period could face a government penalty, most will not have to pay that penalty until they do their taxes next year.

“In all likelihood," says Laszewski, "we've only signed up somewhere between one in five and one in seven people who were uninsured prior to the start of ObamaCare."

That means millions are left outside the health insurance market...

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


TOPICS: Crime/Corruption; Extended News; Front Page News; Government; News/Current Events
KEYWORDS: eu; fascism; lootingmiddleclass; obama; obamacare; taxes; tyanny
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1 posted on 04/08/2014 6:00:02 PM PDT by Jim Robinson
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To: Jim Robinson

2 posted on 04/08/2014 6:04:02 PM PDT by Veggie Todd (The tree of liberty must be refreshed from time to time with the blood of patriots and tyrants. TJ)
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To: Jim Robinson

This strikes me as just plain weird. I can understand that companies and the government want stability, so you only get to change your insurance once a year; I can’t understand why it is a new law that you can’t sign on mid-stream if you decide you want insurance.

So what if you missed the date and have to pay the penalty? That shouldn’t prevent you from buying the insurance that is being promoted.


3 posted on 04/08/2014 6:04:14 PM PDT by Pearls Before Swine
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To: Jim Robinson

That is true. We are having a heck of a problem with the WA state exchange. (we pay them, they keep threatening to cancel us for non-payment).

So we asked the actual insurance provider if we could pay them directly (and drop our “subsidy”). No. The enrollment period is closed (March 31)


4 posted on 04/08/2014 6:05:06 PM PDT by llevrok (F the government)
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To: Jim Robinson
Jim, and no one saw this coming? Really?
I saw this coming from miles away.

If your policy isn't elegible and you don't sign up with Obomacare, you don't sign up, period.

If you don't sign up before the deadline, you wait till the next elegibility period, period.

5 posted on 04/08/2014 6:05:43 PM PDT by Just another Joe (Warning: FReeping can be addictive and helpful to your mental health)
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To: FRiends


Click the Pic


Support Free Republic

6 posted on 04/08/2014 6:05:57 PM PDT by deoetdoctrinae (Gun-free zones are playgrounds for felons.)
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To: Jim Robinson

it’s the Cancelled Affordable Care Act - CACA for short.


7 posted on 04/08/2014 6:08:05 PM PDT by beethovenfan (If Islam is the solution, the "problem" must be freedom.)
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To: Jim Robinson

just wait till those who purchased Obama-Care on their credit cards use up their limit.then what?, CANCELLED!


8 posted on 04/08/2014 6:08:28 PM PDT by Cruz_West_Paul2016
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To: Jim Robinson

In my view, the biggest failure of Obamacare is that instead of $2500/year savings Zero touted repeatedly by Zero during the campaigns, it is much more expensive without subsidies.

The deductibles are ridiculously high in the limited number of plans available. You do not get a dime form insurance until you have paid the deductible in FULL EVERY YEAR. The middle class is screwed since there are no subsidies for them.


9 posted on 04/08/2014 6:08:34 PM PDT by entropy12
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To: deoetdoctrinae

HealthCare from the Department of Motor Vehicles.


10 posted on 04/08/2014 6:08:42 PM PDT by Paladin2
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To: beethovenfan

What kind of business model has sales people working three months of the year? These agents will have nothing to do for 9 months now ?!
Stupid


11 posted on 04/08/2014 6:18:03 PM PDT by George from New England (escaped CT in 2006, now living north of Tampa)
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To: entropy12

He is wiping out the middle class, no need to buy their votes.


12 posted on 04/08/2014 6:20:13 PM PDT by ChildOfThe60s ((If you can remember the 60s.....you weren't really there)
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To: Jim Robinson

So those cretins who thought they’ll wait until they require healthcare to sign up will be SOOL. “SH** Out of Luck”.


13 posted on 04/08/2014 6:21:01 PM PDT by AU72
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To: Jim Robinson

Look at the bright side...8 months to work on the website without those annoying customers....


14 posted on 04/08/2014 6:22:08 PM PDT by nascarnation (Toxic Baraq Syndrome: hopefully infecting a Dem candidate near you)
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To: Jim Robinson

If the GOP was not IN BED WITH ROMNEY AND HIS DEATHCARE,
it would end ObamaCARE/RomneyCARE.

But the EXEMPT will not.

The GOP WANTS DeathCARE because they are EXEMPT.
The GOP WANTS the borders are open,
al Qaeda is armed, and
Fast&Furious,IRS,NSA and Benghazi covered up.

G.O.P. means (We) GAVE . OBAMA . POWER .


15 posted on 04/08/2014 6:22:33 PM PDT by Diogenesis
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To: Jim Robinson

Amazing to me that this is news to people, Maybe I am the only one that realized it, but They called it open enrollment thru March 31... but I thought that’s how group insurance worked, you could only enroll during an open enrollment time period. But that’s how one of my past job provided policies worked, it was one that did not ask any questions about pre-existing conditions... (which we were told that kind of policy did not exist) it did not matter when you got hired during the year, you had to wait til January to get into the insurance plan, during the open enrollment timeframe.


16 posted on 04/08/2014 6:30:10 PM PDT by AzNASCARfan
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To: Jim Robinson

What about people who lose insurance between now and then?


17 posted on 04/08/2014 6:31:24 PM PDT by Truth is a Weapon (Truth, it hurts so good.)
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To: Jim Robinson

Fortunately, there are alternative to Obamacare that are still open.
Alternatives to Obamacare
http://tamarawilhite.hubpages.com/hub/Alternatives-to-Obamacare


18 posted on 04/08/2014 6:36:39 PM PDT by tbw2
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To: Jim Robinson

19 posted on 04/08/2014 6:50:15 PM PDT by opentalk
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To: tbw2


Fortunately, there are alternative to Obamacare that are still open.
Alternatives to Obamacare
http://tamarawilhite.hubpages.com/hub/Alternatives-to-Obamacare

There’s a glaring mistake in the article. The fine is $95 or 1% of income, whichever is higher. Anyone who doesn’t buy Obamacare qualified insurance has just had a 1% tax increase imposed on him.


20 posted on 04/08/2014 6:55:10 PM PDT by Zhang Fei (Let us pray that peace be now restored to the world and that God will preserve it always.)
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To: Jim Robinson

This is like getting a new car and having to wait until the next “open enrollment” to be able to buy auto insurance.


21 posted on 04/08/2014 6:57:50 PM PDT by headstamp 2 (What would Scooby do?)
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To: Pearls Before Swine

This is how the gov’t provided health insurance works for civil service workers. Open enrollment is a few weeks at the end of the year unless there is a significant change, birth, new spouse, etc.


22 posted on 04/08/2014 6:59:56 PM PDT by USAF80
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To: Diogenesis

The GOPe is boldly tinkering around the edges of this POS.

A year ago you could buy health insurance year round. Now you can’t with the No ACA law.


23 posted on 04/08/2014 7:00:40 PM PDT by headstamp 2 (What would Scooby do?)
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To: Jim Robinson
W T F ?
24 posted on 04/08/2014 7:04:20 PM PDT by NonValueAdded (Operating out of weakness? Imagine if he was working from a position of strength!)
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To: Jim Robinson

While I can understand those companies in the exchanges would limit enrollment, a private insurance company should still be able to sell you a policy...no?

This really doesn’t make much sense.

They give a few life event exceptions, but they are the downward mobile kind. What if you signed up for 0bamacare and your life improves...and you no longer need the subsidies? Under 0-care you have to pay back the subsidy, but what if you wanted to change horses midstream and buy your own policy?


25 posted on 04/08/2014 7:10:29 PM PDT by EBH (And the head wound was healed, and Gog became man.)
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To: George from New England

What kind of business model has sales people working three months of the year? These agents will have nothing to do for 9 months now ?!
Stupid
__________________________

Oh no, they will be very busy mailing out voter registration cards with Democrat checked off, and busing “voters” from poling place to poling place.


26 posted on 04/08/2014 7:18:36 PM PDT by GregTM
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To: George from New England
What kind of business model has sales people working three months of the year?

It has been typical of all kinds of group-coverage health insurance policies to have open and closed enrollment periods. It was like that even back in the 80s and 90s when I worked. Here, the "group" is those who apply through the exchange.

I haven't read much about and don't understand why this is affecting out-of-exchange private individual policies, however.

27 posted on 04/08/2014 7:22:38 PM PDT by steve86 (Acerbic by nature not nurture)
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To: Jim Robinson

Experience with BC yesterday makes me want to cancel Mondays. Four patients of my doctor clients have Obamacare/Exchange coverage. On one patient we have been paid for one out of 12 separate visits thus far this year. None on the rest. Spent 6 hours on the phone. What did I learn? 30-60 more working days to process claims and my doctors paid - that’s 6 to 12 weeks. Obamacare/Exchange claims must be processed and paid by hand and there is a huge backlog.

What we did receive though was a substantial penalty payment from the carrier because they weren’t processed within 45 days of the claim receipt as required by our state law, even though the claims themselves haven’t been paid.

By contrast, BC claims for Federal employees are paid within 3 working days and for everyone else who has regular group insurance it’s 4 working days. All non-Obamacare/Exchange is totally electronic, from the submission of the claim to the money in the bank.

Has to be a real cash flow problem for doctors and hospitals that are heavy into the Obamacare side.


28 posted on 04/08/2014 7:26:55 PM PDT by Grams A (The Sun will rise in the East in the morning and God is still on his throne.)
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To: steve86
I haven't read much about and don't understand why this is affecting out-of-exchange private individual policies, however.

I guess they are selling only ACA-compliant qualified plans only now. Ain't that the pits.

Anyway, a pdf of eligibility events that let you purchase a plan outside of the open enrollment window:

Qualifying events

29 posted on 04/08/2014 7:39:13 PM PDT by steve86 (Acerbic by nature not nurture)
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To: Jim Robinson

Obamacare pretty much includes something bad in it for everyone.


30 posted on 04/08/2014 7:45:06 PM PDT by catnipman (Cat Nipman: Vote Republican in 2012 and only be called racist one more time!)
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To: headstamp 2

Now that you mention it, my auto insurance has gone wobbly the last two months. State Farm, Austin.


31 posted on 04/08/2014 7:54:43 PM PDT by txhurl
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To: Paladin2

So now we’re Waiting in line for insurance?

I thought waiting in line at the E.R. was the original “problem” to be social engineered away with all this.

All these new “Rights” to - um - wait around.........

Hope nobody gets sick.


32 posted on 04/08/2014 8:52:53 PM PDT by 4Liberty (Optimal institutions - optimal economy.)
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To: beethovenfan
it’s the Cancelled Affordable Care Act - CACA for short.
LMAO, post of the week.
33 posted on 04/08/2014 8:58:17 PM PDT by Scutter
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To: Jim Robinson

It’s like buying a car in the old Soviet Union. The wait time was quite long for bad product.


34 posted on 04/08/2014 9:33:56 PM PDT by xp38
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To: Jim Robinson

This is the same logic of enrollment periods for Medicare Advantage and Part D. Since the insurance is guaranteed issue this lowers the chances of purchase upon need,


35 posted on 04/08/2014 9:35:27 PM PDT by Mike Darancette (Do The Math)
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To: Jim Robinson

Actually the deadline was extended to April 15th.

Still another week for them to pad the fake numbers!


36 posted on 04/08/2014 10:36:35 PM PDT by Dave346
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To: Pearls Before Swine
I can’t understand why it is a new law that you can’t sign on mid-stream if you decide you want insurance.

To kill of the insurnce companies perhaps? If a private insurance company can't write any policies for the next 7 months, what happens to them?

37 posted on 04/09/2014 12:56:59 AM PDT by fso301
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To: USAF80

Yeah, but if you are a government employee, you’ve had a very obvious opportunity to get insured when you start employment. And, yes, similar things happen under Medicare—in that you can’t switch policies or coverages in between the annual update months.

But, here we are at the start of a program, with a less stable, younger and uninsured populace. This is more of the stick side of carrot and stick. Carrot is LeBron James and Hollywood useful idiots and Obama joking and pushing insurance. Stick is “you missed your chance, and we’ll show you—your uncovered until our next deadline.”


38 posted on 04/09/2014 6:15:38 AM PDT by Pearls Before Swine
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To: steve86

But these enrollment periods are split across 4 quarters. My wife’s policy ends 6/30 each year. The enrollment options are from 4/1 until near 6/30. So a smart management companies split them across four quarters for exactly staffing reasons.


39 posted on 04/09/2014 6:20:48 AM PDT by George from New England (escaped CT in 2006, now living north of Tampa)
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To: nascarnation
oh now that just Plain MEAN!!

this may....even effect the outcome of The MID TERMS!!


40 posted on 04/09/2014 6:43:36 AM PDT by MeshugeMikey ( "Never, never, never give up". Winston Churchill)
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To: 4Liberty
the regime marches to a FAR DIfferent Drummer


41 posted on 04/09/2014 6:47:42 AM PDT by MeshugeMikey ( "Never, never, never give up". Winston Churchill)
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To: Jim Robinson

This insult to America, Obozo Care, just gets worse and worse.

The insurance companies and men quoted here will get to know their IRS interrogators very well over the next couple of years.


42 posted on 04/09/2014 8:43:17 AM PDT by Grampa Dave ( Herr Obama cannot divert resources from his war on Americans!)
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To: George from New England

“What kind of business model has sales people working three months of the year? These agents will have nothing to do for 9 months now ?!
Stupid”

They will probably become field nazis for the IRS after they are given their Glocks and ammo with no training. Then they will make house calls on those who haven’t signed up.

Remember when the IRS bought guns and ammo.


43 posted on 04/09/2014 8:54:36 AM PDT by Grampa Dave ( Herr Obama cannot divert resources from his war on Americans!)
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To: Grampa Dave

I am talking bout the insurance agents that sell the policies. I think you are thinking govt agents.

Most insurance agents want and have worked 12 months out of each year, less vacation of course. If they can only sell for 3 months, then what?


44 posted on 04/09/2014 9:17:11 AM PDT by George from New England (escaped CT in 2006, now living north of Tampa)
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To: George from New England

The sales staff is the same as the customer service staff at the health insurance operation with which I am most familiar. They will be busy year-round. There also are qualifying event enrollments year-round.


45 posted on 04/09/2014 11:17:52 AM PDT by steve86 (Acerbic by nature not nurture)
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To: George from New England

Yep two different types.


46 posted on 04/09/2014 11:18:26 AM PDT by Grampa Dave ( Herr Obama cannot divert resources from his war on Americans!)
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To: Pearls Before Swine

What if you lose your insurance mid-year? You simply can’t buy insurance directly?

Will some obnoxious white liberal explain to me how this is some kind of progress?


47 posted on 04/09/2014 11:26:01 AM PDT by Ted Grant
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To: AU72
So those cretins who thought they'll wait until they require healthcare to sign up...

I agree. When you decide not to get any form of insurance or get a minimal policy, you assume the risk. OF COURSE those who didn't sign up should be accountable. Anything else would be unfair to those who got insured.

Just two points. One is that I don't remember there being any part of the publicity to get people to sign up saying that after 3/31 they can't sign up until next year. That's odd, because it would've been a great sales point. The other thing is....what happens to people who, for some reason or another, were insured at the beginning of the year, but their situation changes? They should be allowed to sign up.

48 posted on 04/09/2014 11:34:14 AM PDT by grania
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To: Ted Grant
What if you lose your insurance mid-year? You simply can’t buy insurance directly?

I think that's excused as a "life changing event," but that doesn't make it any less weird.

The degree of interference with normal contracting--that you can't buy insurance normally--is astounding, but less so when you think about how f'd up the insurance industry--and all medical pricing--is because of government involvement.

49 posted on 04/09/2014 11:40:33 AM PDT by Pearls Before Swine
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To: Pearls Before Swine

AOK, makes sense.


50 posted on 04/09/2014 12:14:48 PM PDT by Ted Grant
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