There are bad reviews and then there are bad reviews. But it would be difficult to imagine some
worse headlines than the ones Obamacare has received during the past month.
My favorite for over-the-top headline? How about this gem from the National Journal:
“Why
Obamacare May Be Obama’s Katrina, Iraq.” That’s right. An initiative to insure millions of Americans
has been equated with the most frightening American natural and man-made
disasters of the 21st century.
In a world in which
we have come to expect tight plotlines, heroic successes, and quick and satisfying
endings, I imagine that a blockbuster like Obamacare was never going appeal to
critics.
The Obamacare story is being reported this month as if it
were a classic disaster movie, with millions of people about to be left out in
the cold to fend for themselves in a chaotic healthcare system as Obamacare
exchanges crash and burn around them.
But that’s not close to reality.
This week’s announcement that the Obamacare website will
work 90 percent of the time (which is another way of saying it still could be
down over two hours per day) is hardly worth celebrating. But the truth is that Obamacare itself is
unfolding pretty much as expected. The
changes to the system that have been in place are for the most part popular and
glitch-free.
And in another thirty days, people with pre-existing
conditions will be guaranteed insurance at the same price as everyone
else. In roughly half the country,
people with incomes below 138 percent of poverty will start to receive Medicaid
benefits. And nearly everyone with
incomes up to 400 percent of poverty who purchase insurance through the
exchanges will be given tax credits that make it more affordable.
But one big number –
seven million – is already setting up Obamacare for a disaster sequel in the
spring.
That’s the number of people who are supposed to get
insurance through Obamacare exchanges by March.
And when the October and November numbers were slower than desired, another
Obamacare disaster narrative began to take shape.
But no one ever thought that signing up seven million people
would be effortless.
In fact, way back in March, Phil Galewicz wrote an insightful
and prescient article for Kaiser Health News in collaboration with the
Washington Post. He quoted several
people who are familiar with the challenges of enrolling people in health
insurance programs. He and they highlighted
some of the issues that would confront the Obamacare exchanges. The article’s conclusion? People should be prepared for a “slow ramp
up.”
In this context, some
of the early numbers don’t look so bad after all.
Californians alone had completed over 360,000 insurance
applications as of November 19. Covered
California - the state’s exchange – reported
that 135,000 would qualify for the state Medicaid program and 80,000 others had
already selected a health plan.
And, according to the exchange, sufficient numbers of those
people appeared to be young enough that the California program wouldn’t sink
into the sea.
In New York, the reality was similar. As of November 24, according to its marketplace, NY State
of Health, over 257,000 people had completed applications, and over 57,000
people were enrolled in insurance plans.
And in Kentucky, 60,000
people have already obtained either Medicaid or private insurance through
its exchange. And of those signing up
for private insurance, 41 percent are in the 18-34 year old group.
CNN
also reported in mid-November that the Washington and Connecticut exchanges
were generating healthy enrollment numbers.
And the federal exchange numbers were not as bad as one might expect. The November
numbers included over 100,000 sign-ups despite the balky website, and according
to HHS and CNN over 900,000 more people had completed applications.
So how did CNN
headine this good news? “Obamacare
success story sours.”
What will it mean if 4 or 5 million, not seven million, people
enroll by next spring? That will be
enough to drop the uninsured percentage nationally from 15.4
percent to around 14 percent.
That might warrant some favorable reviews.
But if the reporting of the Obamacare story next spring is
anything like it has been over the past month, the headline you will be reading
may well be “Obamacare Crashes Again.”
So stay tuned. And in
the meantime, imagine what things would be like if the alternative to Obamacare
had passed. And believe it or not, there
is one – from 2009. In my next column, I’ll
take a look at how it might be faring today.
You’ll be surprised.
Paul Gionfriddo via email: gionfriddopaul@gmail.com. Twitter: @pgionfriddo. Facebook: www.facebook.com/paul.gionfriddo. LinkedIn: www.linkedin.com/in/paulgionfriddo/
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