ObamaCare Clusterfuck: ObamaCare as Total Information Awareness
Here's a list of what you're going to have to tell the government so they can calculate your ObamaCare subsidy "correctly." Of course, the website screws that up, but presumably that will change. I've helpfully underlined the bits you'll need to pass on so they can keep track! First, the website:
A significant limitation of the federal exchange to date has been its inability to handle enrollee changes in circumstances. With three million Americans signed up for health plans through the exchanges as of January 15, it is likely that thousands of individuals are experiencing changes of circumstances every day. For example, people get married, have children, experience increases or decreases of income, get jobs, get pregnant, or move. Some of these changes trigger special enrollment periods — that is, they allow an enrollee in a qualified health plan to change plans. Others do not, but will change the amount of premium tax credits to which an enrollee is entitled and the share of the premium the enrollee will need to pay. Until now, the federal exchange has not been able to deal with changes in circumstances. HHS has instructed enrollees to contact their insurer to report changes, but while insurers may be able to deal with some changes (adding a dependent), they cannot address other changes, such as changes in premium tax credit amounts.
Wow, seems complicated!
On January 23, 2014, HHS published at its REGTAP.info website its plan for dealing with changed circumstances. (Free registration required) As of early February [soon], HHS intends to add to the healthcare.gov a tab [which I'm sure has been thoroughly tested and shouldn't be fucked up at all] to report a life change. Some of the changes that can be reported trigger a special enrollment period. These include:
- Adding a member to a household, through birth, marriage, adoption, or other circumstances;
- Relocation to a new ZIP Code, county, or state;
- Losing access to other coverage (e.g. employer coverage or Medicaid);
- Release from incarceration; and
- Changes to citizenship or immigration status by a household member.
If a change triggers a special enrollment period, enrollees will be allowed to enter plan compare and will be able to choose a new plan.
Other changes do not trigger a special enrollment period, but may affect coverage in other ways. Increases or decreases in income may, for example, affect premium tax credit or cost-sharing reduction payment eligibility amounts. Death or divorce may reduce the number of people covered under the plan and the size of premium tax credits. A covered individual who becomes pregnant or disabled may become eligible for Medicaid and lose premium tax credit eligibility. Changes in tax filing or tax household status may alter premium tax credit or cost-sharing reduction payments, as may changes in American Indian or Alaska Native status. Access to employer coverage may also end eligibility for premium tax credits. Corrections to current enrollment data, such as correcting an incorrect birth date or social security number, may also be made. A birth date correction could affect age-based premiums.
All of these changes will be reportable though the change in status tab. They will not allow an enrollee to change to a different plan, however, if no special enrollment period is triggered.
So, basically, everything, right? Seems to me this is really the point of ObamaCare, the overwhelming demand for data and compliance -- like filing a 1040 every time you turn around, no matter that it's on a "tab" -- that's going to be rolled out to more and more people and more and more governmental functions. Not that I'm foily.