Health Team

Insurance markets open to surge of new customers

Posted October 1, 2013

— The online insurance marketplaces that are at the heart of President Barack Obama's health care overhaul struggled to handle the wave of new consumers Tuesday, the first day of a six-month open-enrollment period.

More than 1 million people had visited the government's main website before 7 a.m., and the combination of high demand and technical glitches seemed to overwhelm the online system. Federal and state officials were working to address the problems, which led to long waits on government websites and a federal call center.

Health and Human Services spokeswoman Joanne Peters said that more than 1 million people had visited in the last day – five times more users than have ever been on the at one time.

Kimberly Shockley, logging in from Houston, and Mike Weaver, who lives in rural southern Illinois, ran into similar glitches: They could not get past the security questions while trying to set up their personal accounts through

"I'm frustrated, very frustrated," said Shockley, a self-employed CPA. She spent more than an hour trying to get the security questions to work Tuesday morning without success. When she clicked on a drop-down menu of suggested security questions, none appeared. She then tried to create her own questions, but that didn't work either.

Weaver, a self-employed photographer, said he also ran into problems with the drop-down menus. And when they started working, he still wasn't able to set up his account.

"The first day of something that you know is going to have a lot of bugs, it's not that frustrating," he said. "If it was the last day to sign up ... then I'd be terribly frustrated."

Shockley has health insurance, but is looking for a better plan. Weaver is uninsured.

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In North Carolina, people seeking to evaluate insurance options also were stymied by a screen that asked them to "try again later. The wait for assistance on a toll-free help line was up to 20 minutes.

"We have built a dynamic system and are prepared to make adjustments as needed and improve the consumer experience," HHS spokesman Fabien Levy said.

Blue Cross Blue Shield of North Carolina, one of two providers offering health plans through North Carolina's exchange, also was flooded with requests for information. Spokesman Lew Borman said the insurer gets about 1,000 requests for rate quotes on an average day, and the company had reached that level by 9 a.m.

Blue Cross has its own website available for people to review the plans offered through the exchange.

State-operated sites also experienced glitches.

Rhode Island's site opened as scheduled but was quickly overwhelmed by visitors and went down. A spokesman for the New York Department of Health blamed problems with the 2 million visits to the website in the first 90 minutes after its launch.

Washington state's marketplace used Twitter to thank users for their patience. Exchange officials in Colorado said their website would not be fully functional for the first month, although consumers will be able to get help applying for government subsidies during that time.

Connecticut seemed to be a bright spot. Access Health CT sent out a tweet shortly before noon Tuesday, confirming the marketplace logged 10,000 visitors in the first three hours of operation and 22 enrollments. A family of three was the first to sign up for coverage.

In Portsmouth, N.H., Deborah Lielasus tried to sign up for coverage but got only as far as creating an account before the website stopped working. She said she expected glitches.

Lielasus, a 54-year-old self-employed grant writer, currently spends about $8,500 a year in premiums and more than $10,000 for out-of-pocket expenses because she has a health condition and her only option was a state high-risk insurance pool. She said she expects those costs to decrease significantly.

As excited as she was to sign up, she said, her anticipation was tempered by dismay over the government shutdown that was led by congressional Republicans who want to block the health insurance reforms.

"I'm really happy that this is happening, that this is being launched ... I feel like it's a child caught in the middle of a really bad divorce," Lielasus said.

The nationwide rollout comes after months of buildup in which the marketplaces have been both praised and vilified.

The shutdown will have no immediate effect on the insurance marketplaces that are the backbone of the law because they operate with money that isn't subject to the annual budget wrangling in Washington.

The marketplaces represent a turning point in the nation's approach to health care, the biggest expansion in coverage in nearly 50 years.

The Obama administration hopes to sign up 7 million people during the first year and aims to eventually sign up at least half of the nearly 50 million uninsured Americans through an expansion of Medicaid or government-subsidized plans.

But if people become frustrated with the glitches in the computer-based enrollment process and turn away from the program, the prospects for Obama's signature domestic policy achievement could dim.

"You've got to launch this thing right the first time," said Robert Laszewski, a consultant who worked 20 years in the insurance industry. "If you don't, financially you will never recover."

Neera Tanden, president of the Center for American Progress, which helped work for passage of the law, cautioned against rushing to judge the marketplace's success on its first-day performance. Numerous observers had predicted bugs and setbacks. Trained outreach workers in many states are having trouble getting the certification they need to start helping people to enroll.

Many states predicted that an initial surge of interest would test the online system, but they expect most people to sign up closer to Dec. 15, which is the deadline for coverage to start Jan. 1. Customers have until the end of March to sign up in order to avoid tax penalties.

Looming as one of the biggest challenges to the law's success is persuading young, healthy people to buy insurance to balance the costs of covering older, sicker Americans.

Under the law, health insurance companies can no longer deny coverage to someone with a pre-existing medical condition and cannot impose lifetime caps on coverage. They also must cover a list of essential services, ranging from mental health treatment to maternity care.

Another obstacle: Nearly three-fourths of people under 65 who lack insurance are unaware that the marketplaces open Tuesday, according to a Kaiser Family Foundation survey released over the weekend.

Spending money to raise that awareness with ad campaigns has varied vastly, with some Republican-led states doing little or nothing to promote the insurance exchanges. Missouri Lt. Gov. Peter Kinder, a Republican, even recently urged residents not to sign up for coverage.

In Florida, Republican Gov. Rick Scott and key lawmakers have pushed back against implementing parts of the law. The Florida Department of Health recently ordered county health departments to prohibit so-called navigators from signing people up for health insurance at those facilities.

But other states are doing more, such as Kentucky, the only Southern state running its own marketplace. Kentucky Gov. Steve Beshear, a Democrat, was an early supporter of the health law.

The state kicked off an $11 million advertising campaign in June, with ads on TV, radio, Internet and newspapers. It will expand Tuesday and continue through the first three months of next year.

"Frankly, we can't implement the Affordable Care Act fast enough," Beshear said.


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  • CarolinaTim Oct 2, 2013

    It won't be long before the large corporations drop health insurance for their employees. It will be much cheaper for them to pay the fines than to continue HC insurance. Some have already dropped HC Insurance for the family of the employee forcing them into "Plan B".

  • CarolinaTim Oct 2, 2013

    Please don't use 'think' for your "FACTS" it was voted best liberal blog in 2006 and has close ties to Obama. Really??

    Furthermore, you can't compare the populations of Sweden or Belgium to ours. We are extremely obese compared to most nations that have universal healthcare and their better health has NOTHING to do with the system and everything to do with their lifestyles and choices.

    Also, bet they don't pay more for their prisoners than they do for their children's education.

  • junkmail5 Oct 2, 2013

    Is there a health insurance taxpayer-paid-for assistance line forming somewhere?

    Kind of, yeah.

    If you're VERY poor you would have gotten medicaid, practically for free.

    Except in NC the GOP blocked that from happening.

    If you're only moderately low income you are entitled to a subsidy to pay for private insurance.

  • junkmail5 Oct 2, 2013

    "Annual increases have been SMALLER every year since the ACA passed than they were for the 10 years before it passed." junkmail

    Complete 100% lie- Logcial Dude

    Except, it's not.

    It's 100% a FACT.

    " the rate of growth has slowed since the law’s passage in March of 2010"

    You know- EXACTLY like I said, and you falsely said was a lie.

    Ditto all the OTHER 100% accurate facts you keep falsely calling lies.


    Mep- And every poll in both UK and Canada -consistently- show they OVERWHELMINGLY prefer their system to ours. (Ditto all the OTHER nations with universal care).

    Further- they get BETTER healthcare outcomes, even if some people do wait longer for elective surgery. AND spend VASTLY less.

    if we spent what they did per capita on healthcare we'd run SURPLUSES annually instead of deficits. And cover MORE people!

  • TVs_Deceit Oct 1, 2013

    I don't have health insurance because I don't have the money to buy it. -- This mandate does not change that. I still don't have money to buy health insurance. Is there a health insurance taxpayer-paid-for assistance line forming somewhere?

  • Hubris Oct 1, 2013

    "Ok...honest opinion time....For those supporting the ACA...Would you want to be on the exchange, and describe why?" blowntaco

    Of course, the answer is the sound of crickets.

  • Hubris Oct 1, 2013

    "Annual increases have been SMALLER every year since the ACA passed than they were for the 10 years before it passed." junkmail

    Complete 100% lie.

    When was the last time the government managed something with fiscal responsibility?-dvrdwin

    "Literally EVERY government in the modern world in regards to healthcare."

    LIE!!! There is no government that has socialized healthcare that doesn't experience shortages of medicine or qualified professionals, rationing, or has medical standards for surgical procedures that are nearly as high as those in the United States.

    "They all spend VASTLY less for BETTER outcomes."

    Yet another unsubstantiated and false claim.

  • mep Oct 1, 2013

    Literally EVERY government in the modern world in regards to healthcare.

    Except ours.

    They all spend VASTLY less for BETTER outcomes.

    Do you think the US is incapable of doing something every other nation has proven it can do?

    IF you overlook the MILLION plus people on waiting lists in Briton, or the hospital bed shortages in Canada, or the nearly bankrupt state of healthcare system in France..... LOL.

    No thanks.

  • mep Oct 1, 2013

    .it is competition and art pope did not want we pay more..'s a link which shows your assertion it is obama's revenge to be's right here on wral...:

    LOL.... so Art Pope now controls who can and can not be part of the NC health exchange and has stifled competition so as BCBS is basically the ONLY provider? You REALLY need to loosen up the tinfoil hat.... ANY provider that could offer the plans as outlined in Obamacare regulations were invited to participate. The sad REALITY is, few providers find Obamacare mandated coverage profitable enough to even WANT to be in NC. And as all those govt subsidized donut eating diabetic cigar smoking obese folks are added to the rolls of healthcare, at the SAME costs as us healthy folks... we can all enjoy longer wait times to see a doctor, and MUCH higher premiums and deductibles.

  • WralCensorsAreBias Oct 1, 2013

    "So why won't Obama and the Democrats follow the law that will be forced on the rest of America?"

    But wait, junkmail5

    aka: Sumo Vita

    aka: Liebe ist fur alle

    says that Congress IS taking part in Obamacare and that you are just a liar.

    What say you?

    To answer your question though, because WE the American citizens aren't awake yet!