There won’t be a magic moment, but the Obama administration’s much-maligned health insurance website should be able to weather an expected year-end crush of customers, officials asserted Friday.
A combination of software fixes, design changes, added hardware and newly announced wiggle room should provide the right combination to finally deliver a workable website, White House troubleshooter Jeffrey Zients said in an upbeat assessment..
“We think this gives us the capacity we need to reach everybody we need to reach across this period of time,” Zients said.
The wiggle room comes in the form of an extra eight days this year for consumers nationwide to sign up and still get insurance by Jan. 1. A previous Dec. 15 deadline was stretched to Dec. 23. Policyholders must pay their premiums by Dec. 31.
More time could prevent some people from having a break in coverage on account of the balky enrollment website. That’s critical for those losing current individual policies that don’t measure up under the law and for high-risk patients in a small federal insurance program that ends this year.
For the insurance industry, the announcement only complicated the balancing act. Every week a new edict from the administration sends the companies scrambling. More time for consumers means less time for insurers to verify enrollments and correct errors.
“It makes it more challenging to process enrollments in time for coverage to begin on Jan. 1,” said Robert Zirkelbach, of the trade group America’s Health Insurance Plans. “Ultimately, it will depend on how many people enroll in those last few days.” He underscored that consumers also need to pay their premiums on time.
The Affordable Care Act covers the uninsured through a combination of subsidized private plans and expanded Medicaid. Consumers were supposed to be able to apply and enroll online. But the federal HealthCare.gov website serving 36 states froze up the very day it launched, and several states running their own sites have experienced technology troubles.
Zients had set a Nov. 30 goal to have the federal site “working smoothly for the vast majority of users.” He now says work will continue beyond that, but the website is far improved.
“There will not be a magic moment around the end of the month when our work will be complete,” he said.
The site is now able to handle about 25,000 users at the same time. Zients said upgrades during downtime this weekend will put it on track to handle 50,000 simultaneous users, close to the level originally envisioned. It translates to about 800,000 visits a day.
On top of that, technicians are putting a system in place to handle spikes in demand. Consumers will get an email telling them when they can come back.
Overall, the site is faster, more reliable and easier to navigate, Zients said.
Separately, the administration announced a schedule change in next year’s open enrollment season. It will start on Nov. 15, 2014, a month later than originally scheduled, and finish on Jan. 15, 2015, about five weeks later than originally scheduled. The midterm congressional elections are Nov. 4, and congressional Republicans accused the administration of shifting the dates for political reasons, to hide a spike in 2015 premiums.
Sen. Chuck Grassley, R-Iowa, called it a “cynical political move” that means “if premiums go through the roof in the first year of Obamacare, no one will know about it until after the election.”
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