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And -- welcome back -- microphone sir cliff she is the Washington Post wonk blogger.
She covers health policy for the Washington Post though -- -- -- a one.
I'd be -- any -- to walk blogs and I -- You actually are that's a good thing I think -- what happens in five days even covering obamacare more than anybody else.
What happens in five days.
Think I have stated that new insurance option to open it in Obama -- start open enrollment that people for the very first time can -- new web site called marketplace says.
And they'll be able to shop -- So nothing specific changes to people's health care coverage five days -- that.
You know enough to have really good point to make there's been a lot of focus on the -- up our first date even for people who go on to its web -- that kind of -- you know at 1201 AM.
You know coverage under obamacare starts until January 1 so even if your coverage -- next week you're not getting benefit.
I don't know I got five or they don't you know test -- that there is however news today that they're delaying another piece of the Affordable Care Act postponing enrollment.
In small business exchange is what settled down.
Did -- you right they are postponing online enrollment in the small business exchanges and these are.
Is it -- individual markets so we had to not freak anyone out if people should be able later buying for yourself to god to these marketplace says.
On October 1 will what is changed is there's also the small business marketplaces in -- state.
Where businesses that we expect to hear more employees can go buy coverage -- and so they're not going to start online enrollment until November it'll return to.
And that's -- because of I T issues.
It is basically believe that a direct talks to -- the White House say -- -- -- -- -- that their economic summit meetings they can get ready to.
And since they do they do want the individual market apps which they expect more people to use.
But disappointing that -- thought OK holding off time.
Every time there's a delay the regardless of the reason it's like why did they prepare for this why they do it.
It doesn't reflect well upon the legislation.
It doesn't and it'd -- administration all say well balanced coverage is being impact have they had time to earlier I just start January at their way.
They think they hit a number of debate over the past few weeks but I have a lot of people wondering it is the administration ready to launch the -- What accounts so much for the fears the misinformation.
The apprehension is it.
That slamming event on the other side sometimes with false information where is the lack of proper -- -- improper marketing of it.
By those who favor.
88 of the marketing one -- an interesting question -- what I talked to people who are actually setting up these marketplaces.
They have been hesitant to advertise because they don't want to tell people about this new product they have until they can actually.
Even administration's selling the affordable care to people letting them understand what they did.
Sure any real right you know most people don't understand that if you look at any survey even -- people who are uninsured don't give up three quarters of people out there I don't know what the flaw.
Mean can be and -- back in the do you stop the administration for not -- get a you know what today.
-- -- difficult -- discount that it's going into a fax actually very small number of the American population we're talking about.
7% of the market prices are rapidly running a decade from now only 7% of Americans are going to be purchasing their coverage that this new system.
And give the administration to block the time between time people there's this great -- new option everything it's changing its.
But also -- like your health insurance you can keep taking care of it perhaps by it.
Reassuring people that don't get -- -- parts of the health care system that life could change the parts that people relate uptight.
-- -- Sarah -- for the Washington Post the one plug.
We hear things like the average family left to spend X amount of money more year for a year on health care once his -- and what's the truth about -- I you know I wouldn't put too much stock in those comparisons -- -- a bit of apples to oranges because what we're talking about an insurance market right now that's.
Reject the number of people offers a specific grade -- that increases that it's a very different insurance market exists right now for people.
-- -- coverage than what -- under.
There's no way to tell anyone -- will be impacted there.
Really hard and you get it there's a lot of very united or anything opinion increase their profit people who have been -- -- individual market are getting and -- the first time -- Some people out of that yes some people will pay more opinions but it's hard to tell you -- one story about how every one.
-- -- -- story yesterday for example a 27 year old in Austin earning 25000 dollars a year could be 85 dollars a month.
Next year family of four in Saint Louis -- -- -- 50000.
Could could face a 32 dollar monthly premium like such disparities.
In the Anglican.
And I think you know everyone who does shock on the -- -- pirate situation it's going to be different different people.
We'll go on and maybe that family in ten minutes for example -- 32 dollars the great deal but -- another stab -- Elsewhere might be facing a hundred dollars or 200 dollars a month of David out she didn't veto it useful for that much.
I think you're going to -- very different experiences.
Across the country.
Also in DC another delay after the marketplace or talked about it and they discovered a high error rate in calculating tax credits that low and middle income people are gonna use to get.
Their marketplace insurance policies.
Could you explain that and in English so I don't -- I don't that I -- -- understand.
-- that it yeah I get the easiest way to explain that it's here in the District of Columbia where 42000 people are expected to hit qualify for -- -- new programs.
Did they are not going to.
People to tell you on October 1 how much assistance he -- from the federal government you can enter your information -- that that's cute sometimes they think in early November but.
But you're an operating be able to see any sort of -- assistance to -- and that means.
You're not going to be able to look forward -- a shopping process.
Wasn't that in some states that have not participate in the exchanges mostly red states would governors that do not like particularly the president what he's done.
Vs those places like they -- in California -- the exchanges will be in place what's the difference for the residents in those two different kinds of places.
The -- start with what's -- -- -- that each all of those please Mr.
President says Peter who is reading the marketplace tablet will have.
Marketplace and that now beaten name I think the biggest difference is actually outreach component to where.
-- sixteen states and the District of Columbia that are running their own marketplaces.
It essentially get a limited -- fun thing to do -- but they're just getting a lot of money to hire people to get the word out.
It is federal government had by a quirk of the -- a lot of credit at the very specific project for -- and no one.
Expected them to be branding -- state marketplace says.
Consider using a pretty tiny -- to do outreach and 33 states.
We were talking about -- Virginia here in the DC area for example they're spending it -- that's about forty cents per person.
And outreach is I think the difference isn't so much.
In the product that are available it's whether -- even hear about them.
To those other states have to get on board and so at some point like Virginian.
Used to have a good question -- I think now we might see analog or depend on how -- -- -- this.
California has a great experience -- Maryland here in the DC area but a real leader they have -- experienced that aren't very happy -- my -- states you know -- Virginia that the area Republican governor of Maryland and -- why -- we have what they have.
-- the flip side if it doesn't tell what colleague in the states maintain and leaving what does that that the actual government about.
Great to get into the half so I think you're going to see people looking at each other's experience has been here.
But I had a circular for the Washington Post so I think those more of the intricacies of this than anybody else even -- without -- had he had a great -- out yesterday.
42 Obama question -- 42 want blog answers and some of the misconceptions people have for example will people be able to keep their doctors.
Not every one I would say you know when things I think -- I don't look to look at what to keep -- people look at very carefully at whether.
These new insurance plans are pretty limited network channel lead and it -- have those depends state by state and insurance -- to buy insurance plan tool witch doctors are bad.
That already is the case for more and more doctors are opting not forget about even before obamacare.
Of us certainly he birdied doctoral -- -- -- take your church Seymour in network this happens all the time anyway.
Yeah I use that trend that we thought before obamacare I think health -- law it kind of accelerate it a little bit because.
On these new -- a lot of insurance companies are really trying to compete on premium price.
One point productive drive down the cost of premiums is paid using smaller networks essentially.
Hank your contract for the doctors to provide to that are if subscribers to -- -- -- -- as a tradeoff here that is being made that aid because the premiums.
Are coming and actually a bit lower than expectations one of the trade -- there at first thing smaller networks of doctors announced plans.
Did you see the survey at a retirement this that they asked people as -- -- of the few that did it the Pew Research Center.
Where they asked people.
-- like obamacare with -- like the Affordable Care Act and there was an 8% 8% more like the Affordable Care Act in like obamacare though he and other exactly the same thing.
Yeah that I think it has there's a lot and -- name it if President Obama camp today in his speech that.
You don't want this thing it's -- -- -- -- -- you can't obamacare and Kmart.
They think he -- did.
The administration has embraced that name you know they use that they talked about it as Obama care.
But as heated a -- point that it does seem to carry more negative connotations.
What are some of the other questions that come up most often for you.
The people need to now.
The big question you have to do I have to buy insurance sits on that I get a lot of what I don't buy insurance.
And the answer is yes you probably do have to -- insurance there are some exceptions.
It didn't individual mandate -- try to the vast majority of Americans.
There's a lot of misconceptions about what happens if you don't buy health insurance I can't.
Am I -- go to jail that people to come to my house.
-- -- no you're not you're not go to jail.
What will happen is the Internal Revenue Service.
Well I knew either 95 dollars or 1% -- -- -- whichever is larger.
On your tax bill that skiers -- if you were going to get a refund.
They're going to -- account but it.
-- those people who say.
-- -- but as I can save money some -- paying the fine.
-- as any kid and it actually it's the EUV they don't want health insurance it is a much better deal to -- this time and I helped insurance policy.
But the upside is -- open enrollment on these new plans and on March 31 after that you are not going to be able.
To buy health insurance coverage and -- the next open enrollment period and -- a solid 2014 so if you.
A car accident if you speculate playing basketball at any of those things happen to you.
You are not quite -- access to protect the -- -- transplant and so.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- You don't like about 95 dollars but nothing what I can spend more and actually get.
In other words -- Fox News poll that asked that question and Affordable Care Act person obamacare not PO.
And you think this I -- and opinion here but I mean as time goes on image in my opinion one of the reasons.
Are going quickly to try to defund this is at a once people get -- -- not gonna wanna give it up.
-- -- that's your take on -- or not but once people get a load event they may not be so quick to wanna have a defund.
I think so uniting kick it but again and it would.
Each -- they -- talking about a relatively small portion of the population and a candidate about 7%.
Or so people are expected to use that I think among its people.
-- 93% of Americans will not be affected by the -- Most let me caveat that -- -- there's also -- Medicaid expansion and the Affordable Care Act that expand Medicaid to about the same number two even more people on.
Medicaid so -- we're talking about maybe 85% of -- Everybody -- 85%.
Nothing really changes for this -- the most Americans.
Student of the vast majority of Americans obamacare is not going to change the health care coverage if you are.
Receiving coverage through their employer Medicare and Medicaid right now are here in Medicare it's it gets really -- -- try to keep it went fourteen are not going to be different for.
These companies can he keep hearing about that they have stopped in ensuring their employees because obamacare is coming in they're gonna they can't afford to do anymore how much of that is.
A political player an excuse for these companies to stop providing.
Coverage for their.
You know typical little bit of politic don't one thing I would add to that is.
Diet there's nothing requiring companies to provide health insurance right now lead -- the Washington Post if they wanted to or any other company for that matter.
Could drop coverage tomorrow and -- they typically provide that.
It because it's a waiter recruit employees that people like going to -- -- to talk entrance national title to tax advantages associated with -- It's so he didn't say that obamacare is I think a company to drop coverage because they don't want a -- -- it doesn't.
Because kind of -- -- -- -- even GT there was some anecdotes here and there has hours getting cut back competed for people who don't get -- right now and they're having their hours cut.
Because that people don't wanna comply with the mandate that you have to provide health insurance I thought it works more than thirty hours a week.
At this point you don't see that really coming out in any national chops it up -- juicy anecdotes from business centers here.
-- cliff with us thank you very much serie a leader -- long blog at the Washington Post -- you have a busy five days and thanks for talking to us -- yeah.
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