- Posted October 9, 2013 by
This iReport is part of an assignment:
Were Opponents of the ACA Right?
One of the biggest contentions of those opposed to the Affordable Care Act, such as myself, was that a federal, centralized take-over and reform of the health insurance industry was not workable and best left up to each individual state to choose how to administer health care and what was best for the citizens of each state. The proponents argued that the federal government could do as good of or better job than each individual state in the reformation and administration of the health insurance market.
Last Tuesday, October 1, a component of the new law went into operation with much fanfare. Marketing by supporters of the ACA and by the Administration of President Barack Obama had been intense calling on people across the nation to go to HealthCare.gov, check out the Marketplace Exchange and enroll in a health insurance plan in complaince with the ACA mandate that everyone must buy insurance as of January 1, 2014.
Since the launch and after hundreds of thousands of dollars to write the code and program the site, plus thousands and thousands more of tax dollars to promote the site, the Marketplace Exchange has been a swiss cheese of errors, flaws and crashes. Supposedly Health and Human Service, which runs the operation, was not expecting the marketing to work or for Americans to attempt to comply with the law and compare health insurance plans and buy.
My life partner Iohn is one of those Americans who has been attemtping to compare health plans without success. Iohn and I live in Indiana which is one of 38 states who have opted to let the federal government handle the health care insurance market rather than setting up a state exchange. The Hoosier State contends this is an issue which belongs to the states and not the federal government to oversee.
In its ruling striking down the ACA requirement that states must expand Medicaid and participate in the ACA, the Supreme Court ruled that the states which contested the constitutionality of the law were correct. This is a states rights issue. But the Court did rule the individual mandate constitutional as a tax.
The Court also declined to rule on the wisdom of the law, leaving that up to the American people. The Court also asked the Congress to correct the apparent poorly written portions of the law.
So this Wednesday night, the federal Marketplace Exchange continues to hiccup or not work at all. Iohn still can't access the plans and make an informed decision.
However, that's not the end of the story. In those states which are operating their own exchange, citizens in those states are finding success in comparing and purchasing health insurance plans. Most notable is the State of Kentucky which has enrolled thousands.
The success of Kentucky and other state exchanges indicates that perhaps opponents of a federal take-over were correct all along. The administration and implementation of reform of the health insurance industry is better left in the hands of the individual states. As of this moment, the only exchanges operating as they should are state-run, state-designed and state-administered exchanges.
Perhaps Republican members of the House of Representatives and Senate are correct in calling for a one-year delay?
Perhaps the whole federal Marketplace Exchange system needs taken down and the site rewritten?
Geeks, those computer super people, are having a field day laughing at and pointing out all the bad programming and coding done by the designers, programmers and IT specialists paid for by we, the people, with our tax dollars.
From the Cornfield, not saying the Administration is inept or HHS is not capable of doing its job, but the experience with the federal Marketplace Exchange raises many more questions than it answers.
Those who have said the ACA, as written, is not ready for prime time appear to be justified. Opponents who claim this is an issue better left to the states seem to be winning.