Watch for the coming News “onslaught” concerning enrollments on ACA individual plans. Watch for actual enrollment numbers and blame!

Most Americans are most likely unaware of the enrollment process going on around the Country as six to eighteen million (number varies depending on source) American go on-line to enroll in the ACA individual plans available through State Exchanges or ACA.gov.

Most are not aware because out of a population of 330 million Americans only 10 million were signed up last year which was less than 3 percent. If one does not qualify for the subsidies offered through the ACA Exchanges then most people wanting an individual plan will sign up directly with an insurer.

During the initial  21 days of enrollments the Media anxiously reported that enrollment figures were ahead of a year ago substantially. But that will not last as today’s reports state that enrollment has slacked off greatly.

The media will ultimately tell us that enrollments are down because President Trump did not authorize the CSR subsidy payments, which caused premiums to increase. That is not true, of course, but the average citizen won’t know the truth. Unless they have followed our Posts.

It will be interesting to see the actual enrollment figures especially if Congress does insert the elimination of the Individual Mandate in the proposed Tax Bill. I bet the Mandate waiver remains which means there will be people not enrolling or canceling coverage because there will no longer be a tax upon them for not enrolling. It would be fascinating if Las Vegas bookmakers were to allow wagering on enrollment figures. My wager would be for fewer than 8 million. So, what should we expect?

On a separate and unrelated topic; today is December 7th. These days most folks go about the day without acknowledging the importance of this date in American or World history. I mentioned this because last month on November 10th we celebrated the Veteran’s Day holiday with a day off, without much fanfare.

I played golf that day (Nov 10th) and commented to a friend “do you remember when we were kids in school acknowledging Veteran’s Day by standing up with a moment of silence at 11am?”. Of course he did and today is December 7th, a day proclaimed by President Roosevelt in a message to Congress in 1941, that would live in infamy after the attack on Pearl Harbor

I mention this subject because I am increasingly concerned that our current population and our legislators will be less able to learn from our nation’s experience and its history if we stop acknowledging that history and those experiences. How will we successfully deal with radical Islamic terrorism, threats from N. Korea and Iran, or the ongoing war that Russia and China wage against the US if we are not willing or unable to remember how we mishandled threats and issues in our Nation’s past.

It also applies to important issues we face as a nation such as the financing and delivery of healthcare. If we are unwilling or unable to look back at insurance “policies” and solutions that worked in the 1980s, and 90s then we will continue to get results such as those delivered by the ACA.  The ACA was suppose to deliver better access and lower costs but does neither. We can still recover but not if we neglect those principles we know to be sound.

This was just something on my mind.

Much to discuss in the coming weeks about the ACA as well as potential changes in healthcare delivery and financing. I fear the trek to improve what our citizens see on both group and individual plans will be slow but we must continue the struggle.
Let me know what you think.

We can’t let up because we’re all in this together.

Mark Reynolds, RHU
559-250-2000
mark@reynolds.wtf

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