Wednesday, June 18, 2014

Las Vegas Metro Chamber trying to delay ObamaCare

http://eepurl.com/W_wJL

This sounds all great and wonderful on the outside. I too would like to keep my premiums as low as possible for as long as I can. Bill Wright is a great guy and I see where he is coming from. The problem is, the Chamber Health Plan is no longer going to be paying them commissions when things change, unless the chamber can get more people on their new program.

We cannot keep delaying the inevitable. If we keep trying to enact new legislation that allows people to keep their current health plans, then those few select people will never fully understand or appreciate the new healthcare law. It will also cause more troubles later on for those people. The main trouble being they will continue to elect officials who have no clue of what to do about the law and never get things fixed in a timely manner. We will see people trying to apply fixes that don't need to happen because someone only saw the law from an outsider point-of-view.

One example of this would be how many Nevadans went onto NevadaHealthlink.com to sign up for insurance in Oct-Dec for insurance to start in January but failed to select plans and make payment and expected those accounts to work for April and May start dates. Yes, I know the technology should have allowed it, but people kept complaining and instead of starting fresh, got frustrated and made the Nevada Health Link apply fixes to these old accounts that crashed every other new account and payment for April through June! If only people got smart and realized the issue, things would have gone smoothly. If people were not given so many extensions, we would have seen real progress.

By nature we are procrastinators. We cannot put off what we need to do today. The sooner we face our challenges the sooner we can overcome them. Accept challenges and move on.

Tuesday, June 3, 2014

Nevada's exchange confusion to get worse

http://www.reviewjournal.com/business/confusion-likely-nevada-health-exchange-switches




The thought of this whole exchange stuff getting changed over just scares me. After the long 9 month wrestle I had with our current system, now I get to do it all over again next year. Not only that, but now I have to rely upon them transferring all of my client's data over from the current system to the federal system.
As a Nevada resident, I feel a little ripped off on this. We spent $15 million building a website that we have now decided to just scrap. Instead of just hiring a new company to fix the broken site, which actually works sometimes, we would rather call it quits. Now in less than 5 months we have to rely upon someone else trying to build a new one completely.
This could all become a great blessing for brokers though. It is important for people to find professional, knowledgeable people to work with. People tend to find this value more appealing when they themselves feel overwhelmed. This whole process has shown that shopping for health insurance isn't really something people do on their own. The new law isn't very easy to understand and how it can affect people has yet to be seen. I am actually a little concerned about people who did everything on their own. They might get a real awakening during tax season.