Inevitably, the big question coming Monday.
But there is much more to it than that.
A 180-day open enrollment - no one-day open enrollment
What happened on the first day, for good or bad, only a tiny percentage of open enrollment period will represent. Consumers are likely to visit the new site many times prior to making decisions, and that is exactly how it should be.
Many of the health plans are touted as a low-cost plans have very limited access plans. It will not be easy for consumers to compare to a plan provider network to another. In the best case, the consumer will be what is offered for some time and needs a great effort of will be confused to make for himself feeling.
Your Money or the commitment of the Government - - One should not forget, they are something that will cost thousands of dollars to buy and never be this kind of purchase as easy as going to Amazon and buy a book.
I suggest that if the local press wants to be helpful to ask less time, as it was the first day and more time with stories about the quality of the various health plans in their communities - especially on provider access, which is the only major product differentiator between health insurance companies.
Will Administrative problems, be the stock exchanges?
There are already. And it will be much more.
During the last 24 hours I've heard that information technology tests between insurance companies and the federal government, especially around the government to tell insurance companies that they will cover, to be a real mess.
But whatever problems there are obvious at the start, it will probably be more problems and more serious problems behind the scenes prior to January 1, the initial problems in a few days or a few weeks to work.
Operational Expectations are now so low, a small catastrophe as a political victory for Obamacare health insurance exchange.
But it is important how efficiently start the New Exchanges
Some people spin that the administrative problems are not so significant. Finally, the actual target date is January 1; the first date persons are covered.
But it does not matter.
The country is so cynical about Obamacare that any more screw-ups will only add to this cynicism. The administration has said that the price of the insurance plans are that there will be much lower than expected, and many good access to a vast range of providers for these prices.
The government has failed expectations - it has spun.
When people start to the prices that they pay and the benefits they see to get these prices will be many more cynically become (see Benefit Shock).
When it comes to serious problems, the introduction in the heart of the credibility of the government. Finally, they told us they would all work on time - albeit with a few "bumps."
If people have to try a lot of anger and frustration, to gain access to sites or call center or provider lists, word will get around. If they are sick, people will run drop the gauntlet. If they are healthy, they will not bother.
If only sick people show up, Obamacare is a long walk on a short pier.
Seven million people logging not close to the number of people we need some time to make Obamacare sustainable
We often hear that in the first year goal of the government is to sign 7 million people - including 2.4 million must be 18-34 years old to get a sustainable mix.
It is estimated that about half of those who could buy in the stock market, about 26 million, will be eligible. Then there's the rest of the people who do not could not qualify for a grant but have to buy on the stock exchange.
Arrival 7 million people from the million is only getting a small fraction of the people who are uninsured today or are already in the individual market. This is hardly a good cross-section of the available pool probably us enough healthy people.
There are no ratings Shock?
Say that 16 million people in the current individual health insurance market, whose plans do not "grandfathered" (85% of the 19 million on the market that is not able to be qualified under the strict operational rules) need and thus corresponds to January 1 with the new Obamacare benefits and valuation rules.
Each of them is always a letter prior to their renewal date (renewal in January) told them their old plan does not meet the new rules, and they need to move to a compliant Obamacare plan for a different premium.
For the vast majority of these people there will be shock. A reporter recently called me with a letter in his hand from the health plan or insurance, a 60-year-old couple. The prices shall be doubled.
Many insurers are now at their existing clients - individual and small groups - advised them to avoid their anniversary policies in order to change, to be a last year's interest rate shocks, which is not accepted the case.
No, it has not yet been rate shock when states and the Obama administration have focused silver plan to promote the second lowest cost. But in almost all cases, these plans are not buying the plans people today. The plans are made especially for low-income market - until the vendor willing to accept the lowest payments made.
But a plan for you today? The federal grant to this second lowest bound plan. If you want to accustomed the type of provider network, can be expected to be prepared to pay a lot more, whether you are subsidized or not.
In fact, many insurance companies only offer this inexpensive network plans on the exchange and saving their traditional wide access network plans to sell off the stock exchanges.
This is a legitimate strategy on the part of the insurer focused on what they think is largely a low-income population is more of a Medicaid network and worries save every penny they can be.
But buyer beware. Consumers must be very thoroughly here. A silver-silver plan is no plan is no silver plan.
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