AP: Applying for ObamaCare benefits could be as daunting as doing your taxes

posted at 4:41 pm on March 12, 2013 by Erika Johnsen

So, apparently, we had to “pass it to find out what’s in it,” but finding out what’s in it first requires hiring an “army of counselors” to help everyone figure it all out. Awesome.

The Associated Press reports that, as the state exchanges through which all Americans will soon need to purchase insurance (if they don’t already have it) continue to develop, it’s increasingly clear that the process is going to be neither as fast nor as simple as the administration claimed. You don’t say:

The government’s draft application runs 15 pages for a three-person family. An outline of the online version has 21 steps, some with additional questions.

Seven months before the Oct. 1 start of enrollment season for millions of uninsured Americans, the idea that getting health insurance could be as easy as shopping online at Amazon or Travelocity is starting to look like wishful thinking.

At least three major federal agencies, including the IRS, will scrutinize your application. …

“When you combine those two processes, it is enormously time consuming and complex,” added Pollack. He’s calling for the government to simplify the form and, more important, for an army of counselors to help uninsured people navigate the new system. It’s unclear who would pay for these navigators.

Drafts of the paper application and a 60-page description of the online version were quietly posted online by the Health and Human Services Department, seeking feedback from industry and consumer groups. Those materials, along with a recent HHS presentation to insurers, run counter to the vision of simplicity promoted by administration officials.

Remember, by the way, that this is not optional. Anyone that doesn’t have insurance already must either get it or pay the penalty.

As Guy already pointed out today in the Green Room via Mitch McConnell‘s office, the administration recently released 800 new pages of ObamaCare regulations, adding to a grand total of 20,000 pages — and they’re nowhere near finished. What about this did the Obama administration ever think was going to be simple or easy for anyone?

And, just in case you were worried, have no fear: Sequestration will not impact the collection of ObamaCare’s many new taxes and fees, because no way could the administration allow anything to jeopardize the image or implementation of their crowning legislative jewel, could they?

Implementation of the taxes and fees from President Obama’s healthcare law is on track despite the cutbacks at the IRS from sequestration.

The Affordable Care Act (ACA), enacted in 2010 and derided by Republicans as “ObamaCare,” contains the broadest set of tax changes enacted in some two decades — more than 40 alterations in all, including penalties on people who choose not to purchase insurance.

But while IRS and Treasury officials have warned of reduced services as employees are furloughed under the sequester, neither agency has expressed any concern that the automatic spending cuts would delay the rollout of the healthcare overhaul.


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Go figure. And the GOPe is fine with leaving this mess as the tax of the land. Oh to be back in colonial days where we could freely tar and feather them for their betrayal.

AH_C on March 12, 2013 at 4:52 PM

“… adding to a grand total of 20,000 pages — and they’re nowhere near finished.”

O_o

No wonder the politicians exempted themselves…

… this is a nightmare.

Oh, wait…!

Seven Percent Solution on March 12, 2013 at 4:52 PM

I get the feeling that compliance with Obamacare is not going to be very widespread. Try getting a young single person in their first job, without employer-provided healthcare, to wade through that mess.

The Obama-infatuated youth of our country may be experiencing some buyer’s remorse, very soon.

iurockhead on March 12, 2013 at 4:53 PM

Ah if only the Republicans could y’know use this to their advantage.

Ukiah on March 12, 2013 at 4:53 PM

The theory is that you’ll die of old age or a disease before you complete the application process.

Cost curve, baby. No applications, no expenses.

BobMbx on March 12, 2013 at 4:56 PM

I thought 40,000 new IRS agents were suppose to fix this ?
WTH ?

FlaMurph on March 12, 2013 at 4:58 PM

ObamaCare is the largest undertaking in the history of the World. And it will be implemented by the same people who like to search your babies and your Granny at the airport.

Curtiss on March 12, 2013 at 4:59 PM

It’s unclear who would pay for these navigators.

The Democrats will have the same answer to that as always: “Somebody else!”

JeremiahJohnson on March 12, 2013 at 5:00 PM

And, the cost of processing all these forms will zero, right?

SC.Charlie on March 12, 2013 at 5:01 PM

No need to worry – Marco Rubio and the GOP have a plan to defund obamacare … AMNESTY for ILLEGALS … oh, wait a minute …

Rubio likes to run his mouth about defunding obamacare, but, if he is successful in ramming through obama’s AMNESTY plan, obamacare will be locked in for good (which he and obama both know)! Rubio dreams of adding tens of millions of new democrat voters and obamacare freeloaders to the rolls – HE MUST BE STOPPED!

DEFUNDING and REPEALING obamacare must be PRIORITY #1 for the GOP – America will not survive obamacare – THIS IS AN EMERGENCY!

Pork-Chop on March 12, 2013 at 5:01 PM

Another stimulus for lawyers and accountants.

Wigglesworth on March 12, 2013 at 5:01 PM

You know that if you call the IRS ten times with the same tax question, you’ll get ten different answers.

And these are the people who will enforce the ObamaCare Mandate. Or tax or whatever it is.

Curtiss on March 12, 2013 at 5:02 PM

And the

northeast caucus of the

GOPe is fine with leaving this mess as the tax of the land.

Focus on where the problems are. Boehner is correctly worried about the 20% that will side with dems. Peter King is liberal to me.

DanMan on March 12, 2013 at 5:02 PM

oops…wrong tag

DanMan on March 12, 2013 at 5:03 PM

I’m from the government and I’m here to help.

LOLOLOLOLOLOLOLOLOLOLOLOLOLOL.

NJ Red on March 12, 2013 at 5:03 PM

Remember, by the way, that this is not optional. Anyone that doesn’t have insurance already must either get it or pay the penalty.


Hmmmm, you don’t suppose that might cause a massive slowdown in consumer spending, do you?

I am eagerly awaiting the debut of ObamaTAX this October … just as the Christmas shopping season is trying to get off the ground.

The SCOAMF is … a SCOAMF. He is completely surrounded and insulated by courtiers who have no more critical thinking capabilities than he does.

All you low information voters out there – Start practicing bending over a barrel, you are going to LOVE what’s coming.

Let.It.Burn!

PolAgnostic on March 12, 2013 at 5:07 PM

I get the feeling that compliance with Obamacare is not going to be very widespread. Try getting a young single person in their first job, without employer-provided healthcare, to wade through that mess.

The Obama-infatuated youth of our country may be experiencing some buyer’s remorse, very soon.

iurockhead on March 12, 2013 at 4:53 PM

No, they won’t. They voted for Obama twice and therefore are economic illiterates.

They believe Obama, their Cultural and Spiritual leader, to be intelligent, wise, and good. Anything that goes wrong with ObamaCare must therefore be someone/something/anything else’s fault.

Perhaps the (barely existent) health insurance “free market” might be to blame. Perhaps racism. Maybe the evviiil GOP. “Rich” people are a good target. Etc.

visions on March 12, 2013 at 5:07 PM

Enforcement will be so arbitrary. Only those groups Obama doesn’t favor will suffer consequences, such as tax penalties.

JustTruth101 on March 12, 2013 at 5:08 PM

Will we hire application service companies just like we hire tax preparation companies because it is so easy to comply with tax law?

KW64 on March 12, 2013 at 5:08 PM

And after you apply.. wait until your income changes or a son or daughter moves out… you’ll be starting the process all over again. Have fun.

JellyToast on March 12, 2013 at 5:10 PM

If I have to fill that out (don’t know yet if my employer will be dropping my coverage) I’ll be sure to call both of my Senators and my Rep’s offices for help. Multiple times. Both in D.C. and in their multiple offices around the state.

(although, that really isn’t fair. Huelskamp is trying to get it defunded, as well as Moran. Maybe I’ll just do that to Roberts.)

Although, if your rep or Senator voted for this, I’d be sure to make myself a pain asking for their help filling out the government forms.

cptacek on March 12, 2013 at 5:10 PM

Right. We have to pay for this garbage with little hope of ever being in compliance….. like our tax structure.

The next thing the Dems will say is that O’Care creates jobs in order to help taxpayers keep in compliance…..

just like our tax system.

What a bunch of $hit. Only liberals can conjure up nightmares like this. And ultimately the only purpose is to further subjugate the very people who must pay and waste their money to avoid fines and more penalties.

In the end there is no point because the health care system will be ruined. Only in the socialist/communist mind can this serve any purpose. We will all run around in circles for nothing….. and that is the real purpose.

Cody1991 on March 12, 2013 at 5:11 PM

Thats the entire point. By the time you get the paperwork done you will be dead so they wont have to pay for your treatment.

kemojr on March 12, 2013 at 5:11 PM

If kids are covered up to age 26, and their parents qualify for Medicare, are the kids covered under Medicare too?

cptacek on March 12, 2013 at 5:12 PM

When my first dog was a puppy, she would be constantly chewing her toys (and other things to pieces). On a daily basis, she would have to

“pass it…”

so we could

“…find out what’s in it,”

. Oddly, 0bamacare seems to be working out the same way…

affenhauer on March 12, 2013 at 5:13 PM

this country deserves everything it’s going to get…

RedInMD on March 12, 2013 at 5:13 PM

Thats the entire point. By the time you get the paperwork done you will be dead so they wont have to pay for your treatment.

kemojr on March 12, 2013 at 5:11 PM

Socialist and communists (aka the modern Democrat Party) have every reason to cull the population. Dog breeders do this. It’s profitable.

They are only concerned with healthy, younger people who can continue to work and hopefully bear the burden of their “enlightened” policies.

It’s utterly cynical, and we have seen it before.

Heh…. anyone wonder why the pols exempted themselves from this travesty?

Yes, people will die. And eventually, as in the past, the commies will realize that they killed the goose that laid the golden egg.

A pox on ALL of them – Republicans included.

Cody1991 on March 12, 2013 at 5:18 PM

No worries. Only a few more bumps in the road, including taking back the Senate and the House, and Obama will implement single-payer – in his own words – before he leaves office.

Drained Brain on March 12, 2013 at 5:21 PM

There are no exchanges in place – and there will not be. Every non-insured American in 2014 will be a fugitive from justice. SMall group and individual policy prices are skyrocketing. Even Massachussetts is complaining about the PPACA regs killing their state sponsored ponzi scheme.

Zomcon JEM on March 12, 2013 at 5:22 PM

A pox on ALL of them – Republicans included.

Cody1991 on March 12, 2013 at 5:18 PM

Oh, yeah…. and John F’g Roberts, too.

They can all rot in he//.

Cody1991 on March 12, 2013 at 5:23 PM

*************** Turbo-HealthCare Tax Company **************

to da rescue!!

(sarc)

canopfor on March 12, 2013 at 5:25 PM

AH_C on March 12, 2013 at 4:52 PM

We could dress up (down?) like liberals and then tar and feather them.

chemman on March 12, 2013 at 5:26 PM

*************** Turbo-HealthCare Tax Company **************

to da rescue!!

(sarc)

canopfor on March 12, 2013 at 5:25 PM

We Canadians think alike. ;) I was going to suggest

H.& R.Block (the oCare Division)

can_con on March 12, 2013 at 5:29 PM

The the idiots who voted for this: Suck it up. Go whine to your Dear Leader, who could order a drone strike to shut you up if he so pleased. Will the natives be restless when they find out just how stupid they were to believe the lies and buy this mess? Where’s my free health care? Hmmmm….

Philly on March 12, 2013 at 5:33 PM

Here’s a question that I haven’t been able to find an answer. I read that if you are a smoker there is an automatic $5000 a year penalty that is not covered for the “low cost” insurance. So, if this is supposed to help the uninsured and low income people and they are the demographic who are more inclined to smoke, then how in the heck is this affordable for them???

BeachBum on March 12, 2013 at 5:34 PM

I thought 40,000 new IRS agents were suppose to fix this ?

No. Not hardly. They exist to audit tax returns and review them so they can catch you in the slightest error and make you suffer mightily for it.

You know that if you call the IRS ten times with the same tax question, you’ll get ten different answers

And chances are none of the answers are correct….or even answer the original inquiry.

hawkeye54 on March 12, 2013 at 5:36 PM

Complex is right..more like a giant pile of shite. Since I am living it all I can say is..good luck.
A colossal effin mess is on it’s way.

Yeah
3 agencies providing guidance and enforcement to employers and the exchanges ect…
IRS,DOL, and HHS. LMFAO-which is all I can do anymore..

As for “navigators”..they are hitting us agents up to sell on the exchange and become certified to do so. The commission is a joke and I would prefer to keep my sanity. It isnt worth it to me. The average person I deal with can’t even understand how a deductible works or what a co-pay even means. This will blow them away. Many are also use to having their employer guide them/take care of their issues and questions- and agents conducting face to face meetings-and resources. Hand holding- No more. They are on their own if they hit the exchange.

For now, I have decided to stay far away from it.

bazil9 on March 12, 2013 at 5:39 PM

I just signed up for a Romneycare plan in ma. which is what obamacare is based on.

it was 3 pages long but i did NOT sign up for a subsidy. It’s the subsidy that requires all the pages

gerrym51 on March 12, 2013 at 5:40 PM

Zomcon JEM on March 12, 2013 at 5:22 PM

I myself just had a 20% + renewal increase..
Handed a 30% increase to a small business this last week.

You are correct-more to come.
The middle class and small business are taking it up the rear.

bazil9 on March 12, 2013 at 5:43 PM

I intend to pay the fine tax. It’s cheaper and easier while I spend 3 years wading through paperwork.

totherightofthem on March 12, 2013 at 5:44 PM

As Daunting as your taxes?

Ok, so you’re un/under employed and doing your taxes. You don’t have interest/stock/rental/etc income, you have a single W2 form for income…

You get to use the 1040EZ form, ONE page.

This is 15 pages, not one… that’s not “as daunting” as doing your taxes… that’s the sort of tax year when you hire a tax preparer because you’re rolling an IRA into a ROTH, taking interest and stock income, buying a home, changing state of residence, and itemizing your deductions all in the same fiscal year… and you’ve paid quarterly estimated tax payments in differing amounts while annualizing your income.

I’ve done most of those at one point or another; doing them all at once might get you to 15 pages… Or an aneurysm.

gekkobear on March 12, 2013 at 5:46 PM

— Con: If your household income has changed in the past year or so and you want help paying your premiums, be prepared to do some extra work. You’re applying for help based on your expected income in 2014. But the latest tax return the IRS would have is for 2012. If you landed a better-paying job, got laid off, or your spouse went back to work, you’ll have to provide added documentation.

Oh my good Lord. We farm. We never know how much we will make or lose. How are we supposed to estimate our income for the entire year in January when we depend on the weather to see if we make a profit or not?

cptacek on March 12, 2013 at 5:48 PM

You know that if you call the IRS ten times with the same tax question, you’ll get ten different answers…

Curtiss on March 12, 2013 at 5:02 PM

I haven’t called the IRS, but have called state government offices regularly over the years. Imagine when two years ago, they changed the way to re-register an EPA vehicle–could only be done online, yet their site wasn’t working–so I called the state dept. and for the first time in over 25 years, I actually got a woman on the phone in state government who ‘worked for me, the taxpayer’ when she said to just send her a check and she’d mail me the sticker. Imagine…

my complete and utter astonishment. Now, here I am two years later, the site still doesn’t work (after they ‘re-vamped’ it to be more user-friendly ) and that lady doesn’t handle our account any longer–the guy who does, apparently doesn’t answer his phone.

jersey taxpayer on March 12, 2013 at 5:57 PM

canopfor on March 12, 2013 at 5:25 PM

We Canadians think alike. ;) I was going to suggest

H.& R.Block (the oCare Division)

can_con on March 12, 2013 at 5:29 PM

can_con:True Dat,….H.&R. Block,our Canadian version of TurboTax:)

canopfor on March 12, 2013 at 5:58 PM

There are no exchanges in place – and there will not be. Every non-insured American in 2014 will be a fugitive from justice…

Zomcon JEM on March 12, 2013 at 5:22 PM

As will many Americans who exercise their 2nd Amendment rights.

jersey taxpayer on March 12, 2013 at 6:01 PM

lol@Canop and can _con

We will have B&O Block.

bazil9 on March 12, 2013 at 6:01 PM

The proggies will simply farm this paperwork out to crooks like ACORN (under their new names) which we will pay for through earmarks. I’m pretty sure that if you are the right color, your application will sail through.

slickwillie2001 on March 12, 2013 at 6:34 PM

The proggies will simply farm this paperwork out to crooks like ACORN (under their new names) which we will pay for through earmarks. I’m pretty sure that if you are the right color, your application will sail through.

slickwillie2001 on March 12, 2013 at 6:34 PM

Question 1: Are you Caucasian? If yes, complete this entire form and sign on page 284. If no, skip to page 284 and sign.

BobMbx on March 12, 2013 at 6:42 PM

lol@Canop and can _con

We will have B&O Block.

bazil9 on March 12, 2013 at 6:01 PM

bazil9:Good one,haha!:)

canopfor on March 12, 2013 at 6:43 PM

What? Brayam ignoring this thread too?
/

Liberals are effing stupid.

CW on March 12, 2013 at 7:03 PM

Wait, so they’re going to have to fill out this form to apply, and then another form when they do their taxes?

Well, I guess Obamacare will mean the end of 1040EZ, that one page tax form for people that don’t itemize and just basically want to get a refund of the tax they’ve paid?

sydneyjane on March 12, 2013 at 7:04 PM

Will moving to Puerto Rico help?

Philly on March 12, 2013 at 7:22 PM

I intend to pay the fine tax. It’s cheaper and easier…

totherightofthem on March 12, 2013 at 5:44 PM

For now, but that will change.

I try not to think about how much less free we’ll all be starting next year. I mean, I know it’s already happened, but the pain hasn’t really begun yet.

The real pain starts next year.

I pray that every politician who pushed for this ends up tarred and feathered at some point. Literally. Tar and feathers. Nancy Pelosi covered in tar and feathers. Barack Obama covered in tar and feathers.

Kensington on March 12, 2013 at 7:22 PM

visions on March 12, 2013 at 5:07 PM

No worries. Dear leader will certainly tell us whose fault it is. One thing he is really good at is placing blame.

manyears on March 12, 2013 at 8:37 PM

I still can’t believe this abomination is going to happen. We have 330 million people, Canada has 34 million!

It’s going to be total chaos.

PattyJ on March 12, 2013 at 10:17 PM

My family doctor has suddenly started bothering me about my BMI. She has only mentioned my weight a couple of times in the 8 years I’ve been seeing her. I am honestly wondering if they are going to cancel the health insurance of everyone who they think is overweight. And when I picked up my son’s prescription the copay had more than tripled since just last month. When I mentioned this at my son’s doctor appointment I was told I should be glad the copay didn’t go up even more.

My husband is retired military and if they cancel our health insurance we won’t be able to afford the so-called cheapest $20,000 policy. My husband and I will have to go without any health care and we will have to find someone who will take cash to see our children.

sherrimae on March 13, 2013 at 12:08 AM

Here’s a question that I haven’t been able to find an answer. I read that if you are a smoker there is an automatic $5000 a year penalty that is not covered for the “low cost” insurance. So, if this is supposed to help the uninsured and low income people and they are the demographic who are more inclined to smoke, then how in the heck is this affordable for them???

BeachBum on March 12, 2013 at 5:34 PM

They won’t be paying it. But it will get paid. The govt will see to that.

The uninsured will pay a small fine, regardless of behavior. The low income folks will be on your dime.

runawayyyy on March 13, 2013 at 2:39 PM