My personal opinion about the Patient Protection and Affordable Care Act (PPACA) public exchange system is that I have no firm opinion about whether having a public exchange system is good or bad. But, as long as the government is spending billions on the PPACA exchange system, we might as well have the system work as smoothly as it can, to milk the project for information about its advantages and disadvantages.
If the PPACA exchanges fail purely because the House Republicans wrapped them in red tape, or because the Blue states hired starry-eyed, tech-impaired flower children to set up their exchanges, we’ll never even start to learn anything from the exchanges. We’ll just get PPACA haters saying the exchanges failed because they were Satanic, and PPACA lovers saying the exchanges failed because Republicans were mean.
Part of making the exchanges work smoothly is making them fair to the insurers taking on the risk of selling “qualified health plan” (QHP) coverage through the exchanges.
The U.S. Department of Health and Human Services (HHS) has proposed setting up an auto-enrollment system, so that people who have QHP coverage this year and have lives that stay about the same can keep the coverage next year without doing anything.
On the one hand, of course the HHS-run exchanges need a QHP auto-enrollment system.