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Title: Woman Obama Held Up as ACA Success Story Turns Out to Be a Perfect Example of Everything Wrong With the Law
Source: Fire Dog Lake
URL Source: http://fdlaction.firedoglake.com/20 ... 9/this-is-really-embarrassing/
Published: Nov 19, 2013
Author: Jon Walker
Post Date: 2013-11-19 14:26:18 by nolu chan
Keywords: None
Views: 1439
Comments: 2

Woman Obama Held Up as ACA Success Story Turns Out to Be a Perfect Example of Everything Wrong With the Law

By: Jon Walker
Tuesday November 19, 2013 7:36 am

This is really embarrassing.

Jessica Sanford, the woman President Obama held up last month as an example of the Affordable Care Act working, turned out to be a perfect example of everything wrong with the law. From CNN (you really need to read the whole thing):

But then, after Obama mentioned her story, Sanford started having problems. Sanford said she received another letter informing her the Washington state health exchange had miscalculated her eligibility for a tax credit.

In other words, her monthly insurance bill had shot up from $198 a month (she had initially said $169 a month to the White House but she switched plans) to $280 a month for the same “gold” plan offered by the state exchange.

This though was only the first of a series of letters informing Jessica Sanford that her tax credits were calculated wrong, sending her premiums for the plan she wanted from $198 to over $400.

Her crazy story highlights the two of the biggest things wrong with the law. The first is the technical problem. They not only calculated her income wrong once but did it again several more times. This speaks to serious dysfunction and mismanagement, which is the byproduct of a Rude Goldberg plan. These technical problems will presumably be improved at some point, but given how complex the system is these kinds of errors will never be fully eliminated. It is at least fortunate she found out now instead of later. If that happened she could have been hit with a large surprise tax bill at the end of the year when the IRS clawed back her subsidies.

The much larger problem is that the Affordable Care Act does not actually make care affordable for many. This is a problem that is not going away. The subsidies are simply too small and restricted. Expecting middle class families to pay 10 percent of their income for insurance with a massive deductible simply does not qualify as “affordable.” Mandating that people buy coverage they can’t afford or can’t afford to use is not really universal health care. It just pretends to be.

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#1. To: (#0)

Charlie Sykes had some good commentary on the poor lady...

http://www.620wtmj.com/podcasts/talk/charliesykes/232534171.html

Naturally perfect and humble by definition.

harrowup  posted on  2013-11-19   18:19:34 ET  Reply   Trace   Private Reply  


#2. To: harrowup (#1)

harlie Sykes had some good commentary on the poor lady...

http://politicalticker.blogs.cnn.com/2013/11/19/woman-cited-by-president-as-obamacare-success-story-frustrated-by-sign-up-process/

Woman cited by President as Obamacare success story frustrated by sign up process

Posted by CNN Senior White House Correspondent Jim Acosta

Updated 1:20 a.m. ET, 11/19/2013 – This is updated from an earlier version, adding more details.

(CNN)– Washington state resident Jessica Sanford was bursting with pride when President Obama mentioned her story during a Rose Garden event on health care reform last month at the White House.

"Who wouldn't?" Sanford asks. "I'm a nobody really to have him mention my story."

Back in October, Sanford had written a letter to the White House to share her good news. The 48-year-old single mother of a teenage son diagnosed with ADHD had just purchased what she considered to be affordable insurance on the Washington state exchange.

"I was ecstatic. I couldn't wait to call the doctor for an appointment on January 2nd," Sanford told CNN about the feeling she had when she first enrolled.

Her heartfelt letter made it to the President's hands and then into his October 21 speech.

"'I was crying the other day when I signed up. So much stress lifted.'" Obama said, reading from Sanford's letter.

The president said Sanford's story was proof, despite the technical problems with the healthcare.gov website, that the Affordable Care Act was working.

"That's what the Affordable Care Act is all about. The point is, the essence of the law - the health insurance that's available to people - is working just fine," Obama said.

But then, after Obama mentioned her story, Sanford started having problems. Sanford said she received another letter informing her the Washington state health exchange had miscalculated her eligibility for a tax credit.

In other words, her monthly insurance bill had shot up from $198 a month (she had initially said $169 a month to the White House but she switched plans) to $280 a month for the same "gold" plan offered by the state exchange.

Sanford said she was frustrated with the state's error. But she decided to purchase the new plan and thought everything was fine.

It wasn't fine. Last week, Sanford received another letter from the Washington state exchange, stating there had been another problem, a "system error" that resulted in some "applicants to qualify for higher than allowed health insurance premium tax credits."

The letter said the state exchange was "disappointed to have discovered this issue" and apologized.

The result was a higher quote, which Sanford said was for $390 per month for a "silver" plan with a higher deductible. Still too expensive

A cheaper "bronze" plan, Sanford said, came in at $324 per month, but also with a high deductible - also not in her budget.

Then another letter from the state exchange with even worse news.

"Your household has been determined eligible for a Federal Tax Credit of $0.00 to help cover the cost of your monthly health insurance premium payments," the latest letter said.

"I had a good cry," Sanford said about her reaction to the latest news from the state.

As a self-employed court reporter, the new quote was simply out of her range.

"This is it. I'm not getting insurance," Sanford told CNN. "That's where it stands right now unless they fix it."

Sanford, an Obama supporter who voted for the president twice, is careful to say she blames the state of Washington's online marketplace for the mixed signals and not the White House.

She is sorry Obama mentioned her during the October 21 speech.

"I feel awful about it. I support (the Affordable Care Act)," Sanford said.

But the messy rollout in the other Washington, the nation's capital, was not far from her mind.

"What the hell? Why is it the same story as the federal government?" Sanford says in disgust with the Washington state exchange. "They didn't have it ready."

"They screwed up," she added.

Sanford reiterated her frustration in a post to the Washington HealthPlanFinder's Facebook page last Friday.

"Wow. You guys really screwed me over," Sanford wrote. "Now I have been priced out and will not be able to afford the plans you offer. But, I get to pay $95 and up for not having health insurance. I am so incredibly disappointed and saddened. You majorly screwed up."

In response, a HealthplanFinder posting tried to direct Sanford to a broker for help.

"Jessica, we are very sad and disappointed that the tax credit miscalculation affected you so heavily," the comment read, suggesting she try to find a new plan on the site. Sanford responded on Facebook the issue was affordability.

Bethany Frey, a spokeswoman for Washington HealthPlanFinder told CNN on Monday night, "I'm already looking into this with our client specialist team. I'll let you know what I hear."

nolu chan  posted on  2013-11-19   23:56:16 ET  Reply   Trace   Private Reply  


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