I’m skeptical of anyone who expresses firm conclusions about how great or horrible PPACA World will be, or how well or badly the new health insurance exchanges are working.
I firmly believe that I feel as if I’m typing words into a computer. Everything else is wild speculation, and especially when anything else is any opinion about anything to do with the Patient Protection and Affordable Care Act (PPACA) exchange program.
On the one hand, the HealthCare.gov enrollment system and many of the state-based systems are still rickety; the individual and small-group plan enrollee out-of-pocket cost-sharing rules seem to have been written by junior trust fund baby analysts who still get their health coverage from Daddy’s corporation; and the PPACA 3R’s risk management program rules seem to be part of a pitch for a new version of Game of Thrones that will replace the various empires in that series with fictionalized versions of WellPoint, UnitedHealth and Aetna.
But, on the other hand, in spite of all of the technical glitches and shortcomings in marketing and enroller programs, the exchanges seem, apparently, to have taken in completed applications for 3.7 million people between Oct. 1 and Nov. 30.
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That’s a lot of people.
I think the moral for people trying to sell individual and group disability insurance in PPACA World (or post-PPACA World, if PPACA World suddenly goes away) is that almost anything could happen.