I was just surfing the net and went to the healthcare.gov web site to see what all the talk was about lately. That site referred me to the California web page which caught me a bit off guard with the length of the application.
Then from there, we go to the application for the first person and that is three pages plus. And if it is a 4 person family, there are a lot more pages to fill out---18 of them. I don’t see anyone wanting to fill this information out unless it is money in their pocket. Why even bother?
Page one, "Are you pregnant?"
Page two informs you;"If you don't file taxes, you can still qualify for free or low cost insurance through Medi-Cal."
Page three; "Do you have a job?"
What bothers me about the form, is the fact that you're not buying health insurance, you're documenting that you don't have the funds to pay for it. I've never had any trouble buying something I wanted. You usually want to know the price before you buy. I walked into a service station one time to get a tire repaired and the guy pulled out a notepad and started writing down all the charges and by the time he finished, the total was $24. Further down the street, another mechanic looked at me in the eye and said, "Pay me what you think it is worth." I got the tire fixed and paid him $15.
After you submit all of this information they will present you the monthly cost of your plan. You're not going to be able to tell them you don't want it because it costs too much. They have your name, Social Security number, cell phone number and the address of where you live. You will get the bill if one is generated. With the system armed with all of that new information, you could get nailed for wants and outstanding warrants, alimony and all sorts of other goodies. Do you get the feeling that the government is not being very transparent with this program? Put another way, are we being conned?
It kind of reminds me of when FDR started the Social Security retirement plan. Before that time if you owed taxes, they had no way of collecting; they didn't even know who you were. With the Social Security tax, they got your employer to deduct it from your wages before you got paid. From there taxation became a lot simpler for the government to execute; the employer had to follow the government directives.
So here is what it boils down to. If you don't have insurance, they will withhold the (Bronze, Silver or Gold--your choice) amount from your paycheck and you will have to fill out a form each year to get a refund for overpayment. Why do I think this will happen about April 15th every year?
The real question for this year, Can half of the people filling out the form complete it correctly enough to apply for benefits successfully? It sounds like a very simple task doesn't it? This is the real hurdle not fully comprehended or anticipated by the government bureaucrats.
As a post script, I don't have to worry about Obamacare, I'm 67 years old. The youth of this country (those from the age of 18 to 45) are going to enable Congress to kick the can further down the road with a whopping $4,000 a year tax increase. Call it whatever you want, the Supreme Court got it right, it's a tax.