Days before the debut of new online insurance markets, a couple of last-minute technical glitches with President Barack Obama’s health care law are making supporters anxious and giving opponents a new line of attack.
The administration said Thursday that small-business owners who want to use insurance markets designed especially for them will have to wait until November before they can finish their sign-ups. They still can start shopping on Tuesday. Even with the delay, they can get coverage for their employees by Jan. 1, when the law takes full effect.
In a potentially more significant delay affecting the law’s larger insurance market for individuals, the administration quietly told Hispanic groups Wednesday that the Spanish-language version of the healthcare.gov website will not be ready to handle online enrollments for a few weeks. An estimated 10 million Latinos are eligible for coverage, and 4 million of them speak Spanish primarily.
“It’s been at least two years since we’ve known that Latinos are a primary target for enrollment through the Affordable Care Act, so we would have hoped that the administration would have the rollout ready on Day 1,” said Jennifer Ng’andu, health care policy director for the National Council of La Raza. That said, she added that her group won’t object if it takes a few more weeks to get things right.
Meanwhile, a politically powerful small-business lobby that unsuccessfully sued to overturn the health care law said the enrollment delay for employers strengthens the case for hitting pause on the entire law, one of the strategies now being pursued by congressional Republicans.
“Every step in the implementation process has seen delays and setbacks,” Kevin Kuhlman, a top official of the National Federation of Independent Business, said in a statement. “This is starting to seem like a parody; unfortunately, it is extremely serious.”
New state insurance markets for individuals who don’t have coverage on the job, and separate ones for small businesses with up to 100 workers, are a key part of Obama’s health care overhaul.
Scheduled to open Tuesday the markets are supposed to offer a consumer-friendly way to buy health insurance while forcing insurers to compete for business. Consumers can apply online, through a call center, in person or through the mail.
The markets for individual consumers — called exchanges in some states — will offer tax credits to make premiums more affordable. Tax credits are also available for some businesses, generally smaller firms employing low-wage workers.
Largely because of Republican opposition to the law, the federal government had to take the lead in setting up markets in 36 states — a development unforeseen when the law was passed. The delays announced this week affect the federal markets, and some states running their own may have full small-business enrollment and Spanish-language capabilities.
Gary Cohen, the Health and Human Services Department official overseeing the rollout, said small-business owners in states with federally run markets will still be able to go online Tuesday and compare their health insurance options.
They can get the process going by filling out a form that will have to be transmitted separately by mail, fax or as an email attachment. HHS will upload the information into the government’s computer systems. The businesses will have to wait until sometime in November to finalize their applications.
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