Tag Archives: chaos

Another Obamacare Supporter Just Got A Hard Dose Of Reality – Chicks on the Right

This time from Covered California – Another Obamacare Supporter Just Got A Hard Dose Of Reality – Chicks on the Right. Poor Melissa Klein of San Francisco discovers the unfortunate reality that the government is decades behind Amazon.

Another liberal learns the hard lesson of big government bureaucracy. Click on the link to get the details. This paragraph sums it up regarding expectations for Obamacare exchange subsidies and health care nirvana…

I find a number of things absolutely fascinating about her story – not the least of which that she expected government healthcare exchanges to work with the same fluidity of ordering a product from Amazon or some other private online retailer. I hesitate to use the tired old analogy of standing in line at the DMV but – the same people who make a trip to the DMV utterly painful are the same people you have running government healthcare! 

It’s sad that it’s taken THIS long for people to get it – but until government regulations actually affect your life, you keep buying into the washed-out academic theories that haven’t been proven, even though those theories have had plenty of time to show their merits. That is, if they had any merit to begin with.

Welcome to Reality Town, Melissa. You won’t enjoy your stay.

Earth to enlightened liberals and progressives, it’s PRIVATE industry that can build websites and fulfillment systems such as Amazon. To expect that of your government, especially once a dose of politics is mixed in, is well, how should I say it…. Un effing realistic.

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‘I am going to stab a bitch’; Liberal journalist discovers the joys of Obamacare

The wonderful auto-renewal system at Connect for Health Colorado failed for liberal journalist Laura Krantz –  ‘I am going to stab a bitch’; Liberal journalist discovers the joys of Obamacare | Twitchy. As you might guess, her solution is single payer but that’s to be expected.

Others apparently have the same problem, which is no surprise. There’s not an easy way to post the tweets except by screen capture so I recommend reading the whole thing.

All you had to do to “break” Connect for Health’s auto-renewal system was log in and look at alternate plans. I put “break” in quotes as this is how the system was designed. That said, it’s not clear that’s what happened in this case and why would her 2014 coverage be cancelled?

 

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Shared Eligibility System: Who IS in charge?

Who’s in charge of the Shared Eligibility System (SES)? Balance of Power: De-glitching Colorado healthcare. Former Connect for Health Colorado Ellen Daehnick, who was terminated as a board member by Governor John Hickenlooper, discusses the enrollment issues, incompetence and general overall accountability issues that exist at Connect for Health Colorado and whomever is in charge of the Shared Eligibility System. Video, and text, at link.

The main topic of discussion is the Shared Eligibility System (SES) and the overall lack of accountability.

In her roughly year-and-a-half on the board of Connect, she says she couldn’t get answers to basic questions like this about the systems like SES, which were implemented to make the exchange work.

“You don’t have a responsible individual or entity, you don’t know who’s at fault, or who has the power to fix the problem,” Daehnick said. “You want to know who has the power to fix this and make it better.”

Apparently no one. It would be really nice if the Democrats would stop protecting the whole Connect for Health, Medicaid, Colorado Peak infrastructure but they continue to live in a fantasyland.

But committee Democrats defended the exchange’s performance as impressive— starting from scratch in a complex regulatory environment, they said.

You can’t make this stuff up. Getting back to the SES and Ms. Daehnick, I agree with every word spoken by her. Governor Hickenlooper better have a damn good reason for “firing” her. SHINE THE LIGHT on the problem Gov.

As a broker I or my clients have encountered numerous problems with Connect for Health (or SES or Medicaid, take your choice). Very few have been directly addressed by a specific person. One way or another we worked it out, but it takes hours of unproductive time and effort. I don’t see how 2016 open enrollment can be any worse.

 

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Avoid the health exchange if you’re NOT subsidy eligible… Here’s why

Video: ObamaCare exchange not allowing addition of newborns to policies « Hot Air.

Let’s just say it’s one giant PITA.

Actually, no it wouldn’t be “more affordable” for families already paying for family coverage, which would likely be most of those seeking to add a newborn to their policy. And if they don’t qualify, then it’s a moot point anyway. That eligibility could have been determined through the ObamaCare exchange, had it been properly designed to deal with additions of newborns.

Instead, thanks to the run-around Healthcare.gov requires, families end up running out of time to add their newborns to their policies — and health insurers can’t step in and assist them any more:

Sure enough, CHIP denied her baby. Now when she turns to the marketplace to try and add her daughter, they turn her away.

“They denied us, saying we went over our time limit and there was no evidence we tried adding her to our insurance,” Maggie said.

Maggie says she protested sending marketplace workers copies of their own emails promising to extend the window but it did no good.

One executive from a Utah insurer says anyone who gave birth in 2014 will have the same problem, and it’s mystifying to Shaun Greene. “Insurance companies have been doing that for years,” Greene told KUTV about adding newborns to policies. “It’s not difficult.” Not until government takes it over, that is. (emphasis added)

I have not endured this particular situation in Colorado but have had some that are similar. However, I can say that Connect for Health Colorado is pretty good at creating incident numbers and allowing enrollment once the situation is resolved.

In Colorado, and apparently with healthcare.gov, almost any issue that isn’t a “straight enrollment” ends up being delayed. In the minds of the consumer, they are dumbfounded by the apparent incompetence. I have had two cases of adding family members, neither one has gone smoothly. In one situation, the family member was added the day after the enrollment was done. It took over 40 days and a plea to Connect for Health management to get this resolved.

This Rube Goldberg of a healthcare law boggles the mind.

If you’re not subsidy eligible, DO NOT use the exchange. In this case, it serves no purpose. However, if you are subsidy eligible or you might be, you MUST use the exchange if you want to preserve you eligibility. Even if you don’t want an advanced subsidy (monthly payments), you must use the exchange to claim your subsidy at the end of the year on your tax return.

 

 

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Connect for Health CO: Exchange snafus trip up thousands

Exchange snafus trip up thousands as more cost overruns mount | Health News Colorado.

Amateur hour at Connect for Health Colorado:

A multi-million dollar IT system that Colorado officials promised would make signing up for health coverage simple has instead snagged thousands of customers and now will cost several hundred thousand dollars — if not millions — to fix.

Managers at Colorado’s health exchange, Connect for Health Colorado, plan to ask their board members on Monday to approve an emergency infusion of $322,000 for the next month to try to help customers get coverage by the Feb. 15 deadline. No warranty covers the work that the additional money will fund, the exchange’s chief technology officers said on Friday.

So who EXACTLY IS the exchanges Chief Technology Officer? Inquiring minds want to know.

Other interesting factoids…

About half of the 21,000 people who bought private insurance through the end of December through the exchange have not qualified for tax subsidies. They can skip the problematic sign-in system if they don’t want to try to qualify for subsidies.

This is not exactly correct. I believe what they are trying to say is +/- 10,500 applicants elected to not try and get a monthly subsidy. They may still be eligible for premium assistance on their tax return. Also, here’s a HINT:

IF YOU ARE CONFIDENT THAT YOU WILL NOT QUALIFY FOR PREMIUM ASSISTANCE UNDER ANY CIRCUMSTANCES, THEN DO NOT APPLY THROUGH CONNECT FOR HEALTH COLORADO. SIGN UP DIRECTLY WITH THE CARRIER OF YOUR CHOICE. A BROKER CAN HELP WITH PLAN SELECTION AND APPLYING OR YOU CAN DO IT YOURSELF.

Time out for a self serving advertisement: Oh, by the way…  if you’re in Colorado and need a broker, please contact me at 303.495.3045 (or text me at 303.859.1709)! The cost to you is the same as if you did it yourself. Moving on…

The big issue has been the Shared Eligibility System between Connect for Health and Medicaid.

Colorado officials were supposed to build the shared system in 2013 and failed to do so. Since then, Medicaid head Sue Birch repeatedly has promised she would build a simple, streamlined system that would be as easy to use as Kentucky’s much-hailed sign-up system, Kynect. Colorado officials informally said the system here would be like “Kentucky on steroids.”

Instead, the system is limping along, and Drews this week had to send an apology note to exchange partners that outlined more than two dozen “known and reported issues.” Click here to see Drews’ letter.

“We realized issues have been difficult and frustrating for many since the start of open enrollment, and they have hampered your ability to serve your customers,” Drews wrote. “While we don’t anticipate a perfect system when launching new technology and programs, we certainly had higher expectations than we’ve delivered.”

Exchange board members were furious Thursday, saying they felt cornered into approving additional spending without adequate advance notice.

“We’re being told there’s no time for suggestions. We have to have it done right away,” said Dr. Mike Fallon, a board member.

“These problems didn’t start today,” Fallon said. “It’s every issue: you approve it or the sky is falling.”

Enough with the faux outrange Dr. Fallon, certainly you have your own internal and external sources of information on how Connect for Health is performing? If not, you should resign from the Board of Directors.

A side note on Connect for Health enrollment propaganda statistics..

Exchange spokesmen routinely report “enrollment gains” by lumping renewals and Medicaid sign-ups with the new customers who sign up for private health insurance.

You can’t make this stuff up.

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Harvard Prof’s meet Obamacare and they don’t like it

Allow me to translate for you. Harvard Professors are spoiled brats. Talk about “checking your privilege” Harvard Ideas On Health Care Hit Home, Hard – NYTimes.com.

“Harvard is a microcosm of what’s happening in health care in the country,” said David M. Cutler, a health economist at the university who was an adviser to President Obama’s 2008 campaign. But only up to a point: Professors at Harvard have until now generally avoided the higher expenses that other employers have been passing on to employees. That makes the outrage among the faculty remarkable, Mr. Cutler said, because “Harvard was and remains a very generous employer.” (emphasis added)

Cry me a river.

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A Tale of Special Enrollment Period Issues

How The Affordable Care Act Forced Me To Become Uninsured – Forbes.

The problem described is a Federal Marketplace Issue, I can absolutely assure you it is a Connect for Health Colorado issue as well. My clients and I have encountered numerous issues with Special Enrollment Periods, particularly those that allow the applicant to apply between the 16th and 31st of the month with coverage scheduled to start on the 1st of the next month.

As November 15 – the deadline for enrollment – approached, I had not received a bill from the insurance company. I called The Marketplace, and they said I had to wait until I got a bill from the insurance company. I called the insurance company, and they said they had not received my enrollment information from the Marketplace. I called The Marketplace, and they said that yes, the insurance company could not enroll me or bill me or accept a payment until they received the information, but they had sent it. They would send it again.

I have head this story so many times, most of the time with a strong implication that it is the insurance company that is at fault.

Read the whole thing…. it makes me wanna puke.

To continue, since we are presently in open enrollment this is not a huge issue. I expect this problem to rear it’s ugly head again simply because everyone has to work as a team to fix an issue like this. I’m going to let you in on a little secret:

They are NOT working as a team!

Let me ask a simple questions:

What is transmitting and receiving data so hard?

The whole computer industry operates on accurately transmitting and receiving data. Examples that quickly come to mind:

  • Read and Write to devices such as:
    • Hard drives
    • USB sticks
  • Data transmission
    • RS 232 serial ports (what the heck are those!)
    • USB interfaces (communication with all your USB devices)
    • Wireless internet (think 3G and 4G)
    • Wired internet

And these incompetent idiots can’t transmit enrollment information in an accurate and timely manner!?

You can’t make this stuff up.

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Affordable Care Act Creates a Trickier Tax Season

Affordable Care Act Creates a Trickier Tax Season – WSJ.

The law’s requirement that most Americans carry health insurance means all filers must indicate on federal tax forms whether they had coverage last year and got tax credits to help pay for it. Those who didn’t have coverage could face a fine, although reduced staffing at the Internal Revenue Service and certain changes to the law mean the so-called individual mandate is expected to be lightly enforced this year, tax preparers say.

Meanwhile, millions of Americans who got subsidies under the law may find they are getting smaller-than-expected refunds or owe the IRS because credits they received to offset their insurance premiums were too large. As many as half of the roughly 6.8 million Americans who got subsidies may have to refund money to the government, based on one estimate by tax firm H&R Block Inc.

“The ACA is going to result in more confusion for existing clients and many taxpayers may well be very disappointed by getting less money and possibly even owing money,” said Charles McCabe, president of Peoples Income Tax and the Income Tax School, a Richmond, Va., provider of tax preparation and education. “The whole implementation of Obamacare will be frustrating for tax preparers.”

But where there’s pain, there’s opportunity…

But the season could be a lucrative one for tax firms. Liberty Tax Service, a tax-preparation franchise, began calling hundreds of thousands of customers in November to invite them to a store to get help applying for an exemption to the insurance-coverage requirement. About half of the company’s 4,000 stores opened weeks ahead of their usual start date to provide health-law tax advice.

If you’re going to owe the penalty, my recommendation is to take profits from investing in the tax preparation services. NOTE: I am NOT qualified to give investment advice!

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Taxapalooza

Liberty Tax Service Rings in 2015 Tax Season With Food, Festivities and Free ACA Advice – Yahoo Finance.

Liberty Tax Service will ring in the 2015 tax season with Taxapalooza, a grand opening celebration on January 7 at more than 1,000 offices across the country. It’s not just food and fun that will be shared. Guests will be treated to free advice and information about the Affordable Care Act (ACA), which will have tax implications for the first time this season.

“I have said more than a few times that the Affordable Care Act is a game-changer,” said Liberty Tax CEO John T. Hewitt. “We opened many of our offices on November 15 to help people enroll in health insurance and apply for coverage exemptions. Now, before tax filing opens on January 20, we want to invite people in and help them really understand how this law will directly affect their taxes this year.” (emphasis added)

Taxapalooza will be a national party to celebrate the start of tax season and to assure taxpayers that Liberty Tax has the resources and the knowledge to handle all their tax issues, even with late changes to the tax code and the ongoing evolution of the ACA.

If Obamacare subsidies and/or penalties have made your tax situation complicated, use the services of a professional tax preparer. This is no place for amateurs.

If you want to complain, call your political representatives. If you want to profit off of the tax complications and chaos, purchase the publically traded tax preparation companies.

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An Angry Dad’s Reaction to Dr. Gruber

Articles: An Angry Dad’s Reaction to Dr. Gruber.

As you read this, remember a few of the many promises such as:

  • If you like your doctor you can keep your doctor
  • Obamacare will lower premium by $2500 for a family of 4

In it’s entirety….

If you know what’s good for you Jonathon Gruber, you’ll stay the hell away from me. Why? Because you have done the unpardonable in the eyes of any father – you have brought havoc unto the finances of my youngest daughter – and her newlywed husband.
You see, Dr. Gruber, what you did not only harmed millions of Americans – many of them young – you did so based on arrogance. This is you on all of those videos – glibly counting your fellow citizens as fodder for your tortured contrivances that will ruin, or end, their lives in many cases – without any remorse or perspective whatsoever. This is a damnable quality held by many who hang out in the faculty lounge. And you are obviously eaten up with it.
As an MIT professor, it is your place to do so, and our place as unfortunate rubes to just deal with it.
This faux superiority is obviously what was rolling around in your head as you made statements about the “stupidity” of the voters and the “lack of transparency” being a plus – not to mention the need to lie about the loss of coverage options and doctors. These were no accidents. As Trey Gowdy pointed out in the Issa Committee hearing, you said such things over and over again. As Darrell Issa added, these statements were apparently popular with your audiences as well.
I submit that you’re detestable with no business whatsoever making grand plans for your planned utopian society. And yet, due to many flaws in our political system – some escalated in just the past six years – you can and you do. These plans never work, and yet, you are paid grotesque sums of money to dream them up.
As you told the Committee Tuesday – in a Lois Lerner-esque tone — millions of people losing their current coverage was merely “part of the calculation.” Part of the calculation? That’s all this is to you, a mathematical projection?
You arrogant bastard!
These are real lives we are talking about here. And in the case of Congressman Patrick McHenry – whose question prompted your telling response – we’re talking some 473 thousand real lives in his state of North Carolina alone! If the ratios hold, that’s some 12 million nationwide! And that’s before the wave of cancellations that are taking place right now.
Well let me tell you about this damned calculation. My 23 year old daughter, like many others, is facing a tripling, or maybe a quadrupling – or her contribution to her work place provided coverage. Calculate that you smarmy SOB. Yes, I said tripling or maybe quadrupling. The figures are not final yet. She cannot afford this, as the increase alone will swallow about 20% of her take home pay. She is not alone.
And why is this? Well, it is all just part of the calculation. You see, the magnificent bureaucrats who slither to and from government cubicles every day have deemed that the former coverage isn’t up to Obama Care standards. Never mind that the boss liked it, the employees liked it – the doctors and pharmacies liked it – all of this is academic.
Yep, those bureaucrats under Kathleen Sebelius at HHS didn’t like it. You knew this would happen. You admitted it. You and your ilk designed the excuses they could use to consider plans inferior. But hey, just part of the calculation, like you said.
What I would like to know, given that you are this renowned central planner, is can you name any example in world history where such centralized planning over a huge swath of a nation’s economy ever worked out? When have the decisions of a handful of supposedly expert technocrats ever been superior to hundreds of millions of people acting in liberty and in their self-interests?
Never.
Although I suppose you swat this reality aside with the self absorbed idea that if you had been planning – say Cuba, the Soviet economy, etc – it would have all worked. This is the luxury academics have. You can pontificate all day about how things should be done, knowing that you’ve never tried to actually do them yourself.
Until something screwy happens in our politics and society, and suddenly you can do them. You are allowed to design a health care plan that you insist is a utopian dream come true. Sure, there will be some collateral damage – a few lives ruined – but that’s all just part of the calculation. And hey, if we have to lie to get the thing passed, so be it. The ends always justify the means for tyrants.
Of course, this grand scheme of you is crashing and burning, as the daily headlines demonstrate. The rollout was a disaster; more people have lost their current coverage than have signed up as new enrollees, and prices and deductibles are skyrocketing. There are looming doctor shortages of massive proportions. Today less than 35% of physicians consider themselves independent, as compared to over 60% just a few years ago. You and your minions were going to do all of this better than the private sector. Well I’ll say this about the private sector – normally when deductibles skyrocket in private insurance, the premiums come way down and the coverage limits go up.
In other words, doc, you failed. You lied to get your way, you smirked arrogantly about it, and now your scheme is an abject disaster. The only saving grace is that your words, specifically those about the state exchanges, will probably doom ObamaCare in the Supreme Court. If this happens, know full well that your viral video infamy also played a role.
Yes Mr. Professor from MIT, you will probably do more to doom ObamaCare than any other single human alive – and it was your insufferable pomposity that did it. That will be even more satisfying than anything I could do to you.
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Coming soon to subsidy receivers: A more intimate relationship with the IRS

Obamacare Unleashes IRS on Americans | Policy Paper | Senate Republican Policy Committee.

 

 

 

 

The Penalty:

Early next year, the IRS will begin collecting revenue from Obamacare’s individual mandate tax penalty. Americans who fail to obtain insurance that complies with numerous Washington mandates – and who fail to qualify for an exemption from the individual mandate – face penalties of $95 ($285 per family) or one percent of household income, whichever is greater. To collect this penalty, the IRS will target people’s tax refunds.

Subsidy Reconciliation:

The IRS also plays a key role in implementing Obamacare’s complicated subsidy scheme. The health care law authorizes tax credits for people in households with income between 100 percent and 400 percent of the federal poverty level, who can’t get insurance through work or through a government program, and who reside in states that established their own exchanges. In 2012, the IRS issued an illegal rule that also extended these tax credits to people in states that use the federal exchange. (Ed note: The Supreme court will decide  if federal exchange subsidies are legal)

Form 8962 for subsidy reconciliation:

Form 8962 allows households that claim a premium tax credit to calculate the correct tax credit amount and the amount that will need to be reconciled. The form has 36 lines for entry and will require filers with any change in coverage during the year to fill in 72 boxes (six boxes per month). Altogether, Form 8962 has 95 boxes for entries for single filers and 133 boxes for entries for married filers with two dependents. People who previously used IRS’s short form (1040EZ) to file their return, and who receive credits this year, will need to switch to the more complicated long form (1040 or 1040A).

Instructions for Form 8962 consist of 15 pages of complicated terminology and worksheets that will take the average tax filer hours to understand, will be incredibly frustrating, and will undoubtedly result in many inaccuracies. . Because of the convoluted structure of Obamacare’s subsidy scheme, the instructions have to explain how tax filers should allocate tax credits under certain conditions and how they should correctly calculate tax credits if household size changes during the year, such as through marriage, divorce, birth of a child, or death of a family member. Despite their length, the instructions fail to provide directions for filers to figure out whether offered employer coverage satisfies Obamacare’s minimum essential coverage requirement.

Taxpayers who claim one of the 19 exemptions from the individual mandate must file Form 8965 with the IRS. As many as 23 million Americans may have to file a Form 8965 for the 2014 filing season. The form has 21 boxes for entries for single filers and 78 boxes for entries for married filers with two dependents. Instructions for Form 8965 take 12 pages and contain five worksheets. One tax expert told Politico, in an August 11 article, that the application requirements for some of the exemptions are “hopelessly complex.” Liberal supporters of the law agreed, telling the paper: “The folks who are helping consumers are reeling. A consumer can’t be expected to understand this.”

You can call this a Republican “hack job” but unfortunately most Republican protestations that have been ridiculed by the legacy media and Democrats have turned out to be largely truthful.

Prediction: Chaos

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Colorado Exchange struggles with both Consumers and Insurers

Health insurers owed $20 million, worker warns of ‘very low’ 2015 exchange sign-ups | Health News Colorado.

On the consumer front…

“Our enrollments are very, very low because of system issues,” said Jackie Sievers, a director of enrollment for four assistance sites in western Colorado.

She called in to an exchange board meeting and said she only has been able to complete about one in five applications.

“Other sites in my region are reporting 1 percent (completion rates) or even lower. My concern is that our open enrollment period is much shorter this year and we have some pretty significant issues and are having trouble getting people signed up,” Sievers said.

She said the system incorrectly calculates federal tax credits, known as APTC — which stands for advanced premium tax credits. The credits come from the federal government and are designed to make health insurance more affordable. On top of problems with the tax credits, Sievers said anyone seeking coverage through the small business portal, known as SHOP, can’t complete applications. (SHOP is for small group coverage – Ed)

On the insurance company front…

While workers are struggling to help people sign up for 2015, board member Steve ErkenBrack called attention Monday to the fact that exchange system problems have left insurance companies waiting for millions in payments for customers who qualified for federal tax credits this year.

ErkenBrack is president of Rocky Mountain Health Plans, a large insurance carrier. He asked Connect for Health’s interim CEO Gary Drews to do a better job of updating board members on problems the exchange is facing, rather than focusing primarily on rosy updates.

ErkenBrack cited problems with the APTC reimbursements that could cost carriers millions and drive them away from Colorado’s exchange. And he said that Colorado’s systems continue to enroll some customers simultaneously in private plans and Medicaid. So far, about 3,300 people have been caught in the “simultaneous enrollment” snafu. While the customers have double coverage, it’s unclear who will pay their claims: taxpayers or private insurance companies. Furthermore, they are not allowed to receive both Medicaid and federal tax credits. Earlier this year, insurance industry representatives warned that some of the individual claims could reach $1 million each.

“Both of these are critical issues,” ErkenBrack said on Monday.

And let’s pile on while were at it…

Dr. Mike Fallon, another board member, said insurance carriers are “our customers also and if they are not being paid tens of millions,” that’s a significant problem.

“We take this incredibly seriously. This is a big risk for us,” Work said.

Sue Birch, director of Colorado’s Medicaid programs and a non-voting board member, questioned whether the exchange should consider insuring itself in case carriers suffer losses as a result of problems accounting for tax credits.

“There’s enormous potential for liability,” Birch said.

You really can’t make this stuff up. I believe that Connect for Health Colorado has the best of intentions and works very hard. I personally like all the people I’ve met from that organization. All that said, color me “doubtful” they are on the road to success.

 

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Fixing the Covered California Obamacare Exchange

California spends $13.4 million to fix Obamacare service woes – LA Times.

California’s health insurance exchange hired two outside firms for $13.4 million to address long wait times for consumers calling about their Obamacare coverage..

Covered California said it will pay $9.8 million to Faneuil Inc. and $3.6 million to Maximus Inc. to add more call-center capacity during the next open enrollment season starting Nov. 15.

“We had call response times that were far too long,” said Peter Lee, the exchange’s executive director. “We were swamped.”

Many consumers and insurance agents have complained about the exchange’s shoddy customer service and long hold times. In August, the exchange answered 1% of calls within 30 seconds, far short of its 80% goal.

The average wait time was under five minutes Thursday, according to the exchange.

Let me get this right, the Covered California has a 5 minute wait time and we’re not even in open enrollment? Best of luck for open enrollment.

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Obamacare subsidy? Make sure the Exchange has your income correct

Tax refunds may get hit due to health law credits – Yahoo Finance.

Here’s why: If your income for 2014 is going to be higher than you estimated when you applied for health insurance, then complex connections between the health law and taxes can reduce or even eliminate your tax refund next year.

Maybe you’re collecting more commissions in an improving economy. Or your spouse got a better job. It could trigger an unwelcome surprise.

The danger is that as your income grows, you don’t qualify for as much of a tax credit. Any difference will come out of your tax refund, unless you have promptly reported the changes.

If your income has changed significantly, either up or down, contact healthcare.gov or your state exchange. In Colorado, you can reach the Connect for Health Colorado “marketplace” at 855.752.6749.

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