My Obamacare experience

First, apologies to my readers for the diversion from the usual fare, but I’ll point out that this entry is covered under the masthead in the category of “recent news” and there’s a relevant WUWT category.

Since like many of you, I’ve been forced to sign a document (at my radio station where I employed part-time) that confirms I’ve been given another document that advises me of my Obamacare rights, and of course being in tune to the news, I’ve been wondering if the claims about the Obamacare websites are as bad as claimed.

I read an article in the Pittsburgh Tribune “Sebelius visit fails to reassure as health care website glitches persist” that said:

Sebelius, who is making similar trips to cities across the country to spread the word about the website, told the audience of about 100 people that Healthcare.gov was “open for business.”

“Believe me, we had some early glitches,” said Sebelius, who was introduced by Rooney, a backer of the law. “But it’s getting better every day.”

So, I decided to find out myself. I went to http://healthcare.gov and chose my state, California. What follows is a record of what I actually got. I never made it past step 1:

Covered_CA_WEB_SSLFAIL

Try it yourself: https://coveredca.com/shopandcompare/

NOTE: To be accurate, the website security certificate will work if the “www” is used as prefix, but not the link above sans www. By following the link from the Tribune article, with no other changes on my part, I ended up with the sans “www” connection, which they didn’t get a proper security certificate for. One wonders how many other “glitches” exist in basic security on these websites.

Even when you go in with the “www” there are problems. In Firefox I get this:

covered_CA_starthere

UPDATE: Reader Ben points out that it gets a failing grade from an SSL grading service, SSL Labs:

Covered_CA_test

Source: https://www.ssllabs.com/ssltest/analyze.html?d=coveredca.com

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October 13, 2013 10:03 am

Dave A says October 13, 2013 at 9:53 am

Your President has only tried to make the best of what is a bad job over there, healthcare wise.

It is so sad to see illiteracy and ignorance on display on a national stage; oh, and good luck on keeping the lights on this winter … for what I don’t know. Can’t be for the purposes of reading or studying …
.

October 13, 2013 10:05 am

Anthony is correct about this problem. It means they have failed to perform the most rudimentary testing.
I operate several web sites some of which need support for SSL. The first thing I do after installing a new security certificate is test https://www.mydomain.com/ and https://mydomain.com/.
The operators of CACovered have convincingly demonstrated total incompetence.

Gdn
October 13, 2013 10:06 am

“Forgive me, but you collectively voted for a President that consistently endorsed it and it has democratically passed through the Houses and been validated by the Supreme court.”
There are a lot of caveats to that talking point string.
1) People voted for a President who endorsed what he said was an entirely different plan…one that would cost those with insurance much less than what they were then paying, with a side effect of free insurance for millions of others. Further, there has been a significant group of people that like him personally, but not what he does; the plan has never had majority support amongst the populace.
2) When the plan was passed, it was pushed through after his Congress had been sufficiently defeated to result in a blocking of the plan, but it was rushed through before the new members could be seated. It was pushed through so fast after the election defeat that even the supporters of the plan did not know what was in it or what effects it would have even on them. Even the rather leftist state of Massachusetts voted in a member of the opposition to try to block the plan.
3) After both parties suffering substantial defeats in the 2010 elections by many groups opposed to the ACA (albeit more aligned with Republicans, and voting with them in caucusing), the Obama Administration placed holds on them forming any more groups to legally work towards that opposition until after the 2012 election (some are still on hold)…thus tilting the election balance towards his party.
4) The US Supreme Court ruled that the basis upon which a portion of the plan was passed did not in fact pass muster under the Commerce Clause of our Constitution, but in what was apparently a last-minute switch, a core portion was ruled a tax, and the government is allowed to impose taxes. Note that the Obama Administration vehemently opposed the classification of his plan as involving a tax, and demonized his opposition as extremists and liars on that point.
4a) The Supreme Court has not actually stated that the tax is Constitutional, as that question cannot be challenged until after someone has paid it. Further, all Bills imposing taxes must originate in the House, which this one did only in the sense that the Senate took a completely unrelated bill, stripped it of its contents and inserted this act…this could also be ruled unconstitutional. I don’t hold out much hope for these, but the issue is in fact far more unsettled than implied.
5) The opposition party was elected a majority in the House of Representatives again in 2012.

October 13, 2013 10:06 am

2 totally separate items
The NHS is not being destroyed by an ideological dogma.
The lights will go out due to the Climate Change Act 2008 and the EU’s Large Combustion Plant Directive.
That a lack of electricity supply will halt the work done by the NHS is a far from funny outcome of this collective insanity
Dave

Doug
October 13, 2013 10:07 am

Cal…..Thanks for your excellent post. US healthcare is an expensive mess, and we should look to the experience of the UK and other countries for ways to improve it. Years of Republican control has brought little to end some of the insane features, such as health care by emergency room rather than publicly available preventative care. The affordable health care act is a first step in the right direction.

crosspatch
October 13, 2013 10:14 am

I think people’s expectations are set way too high. They only spent 500 million dollars and only had, what, three years to make the site. Also, they didn’t get over the billion dollar budget mark for the site. Nobody in Washington DC takes you seriously if you don’t have a budget of at least a billion dollars. They probably couldn’t even get the supply room to give them pencils. Look, Google started out with less than 50 million in venture capital and all they could produce was a plain white page with a search box at the top. What do people expect for only 500 million dollars? The Obamacare site has LINKS on it. Those things cost money. Real money. Millions!

milodonharlani
October 13, 2013 10:14 am

Doug says:
October 13, 2013 at 7:52 am
The cheapest option for me in Oregon cost twice ($323) what was available before, with higher deductible. For this they raided Medicare, paid into by workers themselves since 1965, to the tune of $800 billion?
The few problems that the best medical care system in the world has could have been easily fixed. Let states require drivers to have catastrophic care insurance if they want to, forcing more young people into the system without a national mandate, ie tax. Adopt the tort reforms that have worked so well in TX & other states. Runaway personal injury suits raise out medical care costs by 25%, due to overtesting & ordering unneeded procedures to guard against the legal jackals. Allow insurance to be bought across state lines. Encourage the churches & other private organizations which advocate open borders to set up free clinics for illegal immigrants, so that they don’t put more hospitals out of business.
I’m sure that many here could add some suggestions. But the point is, Obama/Pelosi/Reidcare was never about improving our health care system. It was about increasing the power of government & further controlling the people, making ever more citizens into victim-subjects dependent upon the Democrat Party. OPRcare will make our health care worse at greater cost, while depriving the people of basic freedoms. Not to mention destroying jobs & trashing the economy. If you like the IRS, you’ll love OPRcare. Some care!

October 13, 2013 10:14 am

_Jim
http://idioms.thefreedictionary.com/make+the+best+of+a+bad+job
Me illiterate – LOL (as in, Laugh Out Loud)

Bart
October 13, 2013 10:15 am

Fuzzy headed supporters of Obamacare see it as a simple moral imperative. We must provide healthcare for everyone, therefore any means necessary to do so must be undertaken, end of discussion. Anyone who opposes it is therefore evil, because they do not support providing healthcare to everyone. But, supporting healthcare for everyone is not synonymous with supporting Obamacare.
This is a bad law, and a bad approach, and it will end in disaster. We have a system which was already creaking under the strains of demand, and the solution Obamacare offers is… more demand. And, subsequent shrinkage of supply, due to current doctors and nurses who refuse to be enslaved retiring, going into other lines of work and, most portentously, future potential medical professionals choosing some other line of work.
In other parts of the world where socialized medicine has been put into place, the solution to the latter has been to import massive contingents of medical professionals from the less-developed world, robbing those nations of their own homegrown talent. When US demand for this pool of doctors and nurses kicks in, this oursourcing system will be put under severe strain. The competition for talented professionals from less-developed countries, who are willing to train extensively and work for a pittance, will effectively kill that system.
Supply and demand – it’s the Law. The equation is very simple. If you want to extend demand without exploding the costs, and diminishing the quality of the product, then you must increase the supply. This is the policy direction we should be taking. We should facilitate the training of new medical professionals, making it so that they do not have a mountain of debt to service when they graduate so that they can live on a reduced salary. We should invest in new medical plant and equipment. The Obamacare route of expanding coverage, and forcing new regulations and burdens on an already overburdened resource, can only lead to catastrophe.

October 13, 2013 10:18 am

@CAL There is a great deal factually wrong with what you say but I make just two comments in response to your post.
1. Some of the service in the NHS is absolutely excellent. The problem is that the system is organised to benefit the people who run it and not the patients and so people cannot choose to go to where the service is excellent but they have to put up with whatever service their local provider delivers.
2. You say “At least no one is made bankrupt or left to die [in the NHS]”. If you truly believe that then cannot have listened to the news at all for at least a year. The managers at the Mid Staffs Trust were so concerned about getting Foundation status (which would have given them more freedom) that they cut just about every corner going to make the figures look better.
The result of this was 400-1,200 excess deaths in one quite small hospital. Not people who were refused treatment but actually inside the hospital.
The range is broad as this is a statistical estimate looking at the mortality (over four and a quarter years) and allowing for the mix of patients treated in that time.
There are many rumours going around that Mid Staffs is just the tip of the iceberg and that many more similar cases will come to light.
Jim

crosspatch
October 13, 2013 10:21 am

“@CAL pointing out my experience with failed security certificates is “right wing propaganda”? How so?”
I suppose because Obamacare isn’t really about health care. It is about politics. So any criticism of it is political. And since Obamacare is left wing politics, any criticism must be right wing politics. Obamacare isn’t about health care, it is about health insurance. It is to make sure that politically connected health insurance companies rake in bazillions of dollars in premiums without really providing much in the form of health care. For example, you can pay $500 a month for a policy that has over a $6,000 annual deductible and has few doctors/hospitals in the network. There might be only one in your whole town.
But really, the people to whom Obamacare is a very political issue will likely experience any criticism of Obamacare as opposing political “propaganda” because their own view and opinions are left wing propaganda. They are just projecting you into their context on the issue. They don’t get that it’s just a crappy website for a crappy product that is extremely expensive for many people and doesn’t deliver near the quality of the product they used to have with their employer who can no longer afford to offer it because of this dumb law.

October 13, 2013 10:22 am

re: Dave A says October 13, 2013 at 10:14 am
DaveA, the illiteracy and displayed ignorance you cannot see, even with the aid of an optical reflecting device (mirror). WE have a saying for that, come to think of it.
http://www.urbandictionary.com/define.php?term=stupid%20is%20as%20stupid%20does
.

October 13, 2013 10:26 am

Dave A says October 13, 2013 at 10:06 am
2 totally separate items
The NHS is not being destroyed by an ideological dogma.
The lights will go out due to the Climate Change Act 2008 and the EU’s Large Combustion Plant Directive.

What? You have two separate sets of legislators passing bills? Or the same set of legislators passing insane measures in both areas? Which is it? Do you think either or both acts are insane/sane or split?
.

October 13, 2013 10:26 am

_Jim
Love you too Jim
Take care
Dave

crosspatch
October 13, 2013 10:27 am

Also, I wouldn’t put it past the government to be intentionally sabotaging the sites in order to throttle the number of people who become aware of exactly how expensive this really is while the current battle rages in DC. For example, California has taken down the page that shows which doctors and hospitals are affiliated with any particular network in the exchange. Many were complaining that many of these insurance options didn’t have very many doctors in them and none of them included their own doctor. But this was all explained to us a couple of years ago when Obama said “If you like your insurance, tough. If you like your doctor, tough.” Remember?

James Ard
October 13, 2013 10:28 am

In a free country, a private health insurance company should be able to write any policy they want. Instead of suing for this right, Insurers got together and made a deal with the devel in hopes of millions of new customers. I take no joy in watching the intentional disaster of the exchanges unfold. But, at least, when single payer puts Blue Cross and their fellow crony capitalists out of business, I can take heart in the fact that they got what was coming to them.

AnthonyH
October 13, 2013 10:32 am

CAL and Climatereason: since you are not Americans, your understanding of life and politics here is limited. Many Americans are individually oriented, believing in personal responsibility. Many Americans dislike intrusive government and high, unnecessary taxes. Many Americans do not believe that a 17 trillion dollar national debt is healthy for anyone, a debt likely to be increased by ACA. Many Americans do not believe forced taxation and penalties, plus a bloated government bureaucracy are necessary to deliver good affordable health care to Americans. As enacted, ACA lacks many obvious reforms to lower costs, from tort reform to competition across state lines. It is pretty common for proponents of ACA to paint opponents as uncaring people who want to deny health care to the less fortunate, a lie which many people will fall for. But anyone with a real understanding of the law and it’s implementation understands that it’s not about providing affordable health care to the uninsured; it’s all about centralizing control of the health care industry under the thumb of the government. And you’ll never convince many Americans that inserting government between them and their doctors is a path to efficiency.

Tom J
October 13, 2013 10:34 am

The lower cost for European health care systems exist partly because they’re indirectly subsidized by the US healthcare system. For instance, price controls are affixed to prescription drugs in Europe. However, most new drugs are developed in the US. Sales of these drugs in other markets do not cover development costs, shareholder dividends, or the profit margins that enable the former two. European sales probably only function as a cost center for operations and provide economies of scale to the industry. The US market is what provides the profits. When those profits go, and they will under ObamaCare, there will be no one to subsidize us. Since profits subsidize R & D, new drug development will cease.
In England pulmanologists favor using theophylline to treat lung conditions such as mine. Since theophylline is a pill it is a systemic medication which carries side effects for the entire body. In the US most pulmanologists will prefer to use Advair which contains a bronchodilator medicine (as does theophylline) combined with a steroid. Since Advair is a dry powder inhaler it primarily only medicates the lungs with only limited systemic absorption. There is some anecdotal indication that it may extend life expectancy for COPD patients although most pulmonalogists contend that COPD is strictly irreversible. You’ve probably guessed by now that theophylline is a much less expensive and, in my opinion, primitive medication compared to Advair. I have little doubt that cost is the reason for the differing opinions, and thus usage between US and UK doctors.
And as far as anybody who thinks that a national health plan will help anybody, anywhere, avoid bankruptcy due to the high cost of medicine, well, I would advise them to think again. I think we can all agree that Medicare is, indeed, a national health program. Now, I know of no employer sponsored group health policy that is so insufficient that it requires a supplemental to cover what it doesn’t. Well, Medicare does. It’s the dirty secret that’s screaming right in our ears. Now, if you’re on SS disability you will not qualify for a supplemental. As the Social Worker will explain to you, Medicaid can be your supplemental. But you can’t have more than $2,000 in cash assets of any kind: no 401K, no annuities, stocks, even cash in checking or savings accounts. Whoop dee do. If you have more you’ll have to use it to cover what Medicare doesn’t till you’ve spent down to that sum. Think about that: In Chicago an apartment will rent for $800-1,000/month and require 1-2 months security deposit. So, try living on a $2,000 safety valve. Bankruptcy, here i come. But cheer up, Medicaid will let you keep your house, your car, your furniture. Of course the state will take possession of those things when you die. You see, despite the fact that you and your employer (which means ‘your’ compensation) have paid into this system since the first job you got scooping ice cream or flapping burgers at the age of 16, you haven’t paid enough. Now, does anyone wonder why the President, Senate, and House are exempt from this pile of …? National Health: the low cost alternative!!! Bravo!!!

October 13, 2013 10:35 am

Doug says October 13, 2013 at 10:07 am

Years of Republican control has brought little to end some of the insane features,

Speak for yourself or your own state; we capped lawsuit $$$ here in our (Red) state, a major cost for docs being malpractice ins.
(Never mind that it is the dims -er- dems who want to give away everything and anything once owned by someone else and commandeered at the point of a g u n or threat of imprisonment. How Constitutional is that? Oh my, bad word: “Constitution” .. sorry)

gopal panicker
October 13, 2013 10:36 am

wow…lots of heat on this thread…like i said before i in the USA for 20 years…i came back home to Kerala state in india to retire…its beautiful here…very green…anyway i got dengue fever here…unheard of when i was a kid…migrant labour bringing these diseases here…i almost died…spent two days in the ICU…total hospital bill was $400…this is a poor state in a poor country..life expectancy about 80 years…about the same as the the very rich USA

October 13, 2013 10:41 am

Doug says October 13, 2013 at 10:07 am

The affordable health care act is a first step in the right direction.

A quick question, did OFA or the DNC pay for that post?
.

October 13, 2013 10:49 am

andrewmharding says:
October 13, 2013 at 5:27 am
Fellow Limey here, confirming what Andrew wrote. The NHS is collapsing, largely because as it’s excellence as a health service has collapse in direct ratio to the number of managers it has employed.
None of whom, when anything goes wrong, are ever responsible. And if they leave, they leave with huge pay-offs and step straight into another job, where they fuck up again. Google “CYNTHIA BOWERS” if you want to see how that works; a top executive at the Mid-Staffs Hospital, now known to have been responsible for the death of ~1200 patients in not a very long time, through appalling levels of care, walked straight into a top job at the laughably named “Care Quality Commission” – a quango set up to monitor hospitals. Which it was incapable of doing, as demonstrated by what happened above.
Drinks all round. Taxpayer pays.

LamontT
October 13, 2013 10:50 am

” Rob says:
October 13, 2013 at 9:53 am
The healthcare system in the USA is clearly broken. The US pays twice as much for its healthcare in comparison to most 1st world countries, all for an inferior outcome. This is because the free market doesn’t work in this situation – i.e. how much are you going to pay to save your life? It has “rip-off” written all over it. And the US medical profession is indeed ripping off its patients. The facts speak for themselves:”
—————————————————————————————————————
Rob. The free market has not been in unrestricted operation in the US healthcare market since the late 1950’s early 1960’s. The government has actually meddled in it since that time in an increasing spiral of increased costs for decreased benefits.
So it is completely wrong to state it was a failure of the free market at work in the US medical costs. It is accurate to state the US healthcare systems failure are a failure of central government control. Which is why increased government control wasn’t the answer to it.

crosspatch
October 13, 2013 10:50 am

“In a free country, a private health insurance company should be able to write any policy they want.”
But elections have consequences and the people decided that they wanted a country where we are “micromanaged” by “progressives” for the “common good”. The problem with living in a free country is that one is responsible for their own life and are exposed to making errors in judgement that have a negative impact. They have nobody but themselves to blame when these errors occur. In a “progressive” utopia, one gets to foist that responsibility for decisions onto other people who can be blamed for things. So nothing bad is one’s own fault, you just blame “the system” when things go wrong. Many people find it much easier to sleep at night knowing that their situation in life is someone else’s fault and not their own and are completely willing to forego things such as “choices” in order to get to that situation.
I suggest people read 1984 and Animal Farm again if it has been a long time since you last read them. The books take on new meaning in today’s political era.

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