Harry Reid: We need to extend the ObamaCare deadline because … some people don’t know how to use the Internet

posted at 3:21 pm on March 26, 2014 by Allahpundit

True enough. And most of those people work as web designers for HHS.

Never mind the hubris needed to blame public ignorance for the most epic website fail in Internet history. He’s surely right, to whatever small extent, that some older people who’ve never been online and have no younger friends or family members to help will have trouble navigating the website. (Although, ironically, the story he tells below about the 63-year-old woman makes it sound like she did know what she was doing but was, alas, thwarted in the end by another Healthcare.gov glitch.) Since the potential problem of Internet ignorance was apparent from the day ObamaCare was passed, though, why should anyone need extra time past the statutory deadline to sign up? The White House had six months to reach those people through speeches, TV ads, door-knocking, etc. Reid could, if he wanted, cite the website disaster in October and November as grounds for giving people more time, but he’s not doing that. And even if he did, it’d make no sense: As I’ve said before, anyone who was gung ho to enroll back then and gave up in technological frustration surely would have returned to the site by now to try again. If near-seniors are trying and failing to sign up through Healthcare.gov, the problem isn’t their ignorance, it’s the White House’s failure to identify them in advance and give them an easy alternative method. You’d think a guy who ran a presidential campaign that was famously brilliant at “microtargeting” would have been all over that. As it is, it’s another reminder that problems with O-Care’s rollout go way beyond the website.

But all of that assumes that Reid is right and that Internet ignorance is some sort of major hurdle to enrollment. Is that true? Or are there … other explanations?

unin

Two amazing numbers. After six months of ObamaCare propaganda from the White House and Democrats and endless news coverage of the program’s launch, more than 60 percent of the uninsured still don’t know something as simple as the deadline to enroll. And among the entire uninsured population, fully half have decided to pass and risk being forced to pay the penalty (until they claim a hardship exemption, of course). Why’s that? You know why:

afford

It’s not the website that’s keeping people away, it’s perceptions about cost and broad ignorance about even basic elements of the law. Maybe if the White House wasn’t forced to spend the first half of the enrollment period deflecting questions about website disasters, it could have done something about that. But of course Reid can’t say that while he’s clinging to a Senate majority, so he falls back on the ol’ Interwebs to explain things away. Here he is, via the Free Beacon, plus a little extra treat from Boehner.



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Even if the Senate passed this and sent it to the House and THEY passed it, Obama would veto.

He wants Congress to have no part in his whimsical implementation of Obamacare.

ConstantineXI on March 26, 2014 at 3:25 PM

OT, sorry Allah, but Northwestern college football players can unionize. Holy crap.

John the Libertarian on March 26, 2014 at 3:26 PM

At least he didn’t claim it was because some people didn’t have ids!!

KenInIL on March 26, 2014 at 3:27 PM

What is dumber than a smart liberal?

Herb on March 26, 2014 at 3:28 PM

Only a liberal would come up with such a piece of crap and expect people to embrace it.

Dack Thrombosis on March 26, 2014 at 3:29 PM

They need a Liquid Plumber subsidy to clear out the clogged intertubes.

mankai on March 26, 2014 at 3:30 PM

So it is NOT Bush’s fault ?
Wow :O

burrata on March 26, 2014 at 3:30 PM

He’s surely right, to whatever small extent, that some older people who’ve never been online and have no younger friends or family members to help will have trouble navigating the website.

Maybe we found one!

Herb on March 26, 2014 at 3:30 PM

OT, sorry Allah, but Northwestern college football players can unionize. Holy crap.

John the Libertarian on March 26, 2014 at 3:26 PM

This will be the END of college sports. Once you make them professionals there’s no point.

The NBA and NFL should have to take responsibility like Major League Baseball does and have REAL minor league teams to prepare athletes rather than getting it for free from colleges.

ConstantineXI on March 26, 2014 at 3:32 PM

You “racists” didn’t teach them how to use it.

Oh, wait, you did.

Schadenfreude on March 26, 2014 at 3:33 PM

Yeah, that’s right. Blame the users instead of your craptacular website and implementation.

If this wasn’t costing so much and causing so much misery, it would be hilarious. It’s really too bad this can’t be exclusively felt by Obama voters.

kim roy on March 26, 2014 at 3:34 PM

When they come up with the new & improved site, they can have it issue voter ID cards, too!

PersonFromPorlock on March 26, 2014 at 3:34 PM

Connecticut only has 1 neighborhood and everyone can drive anywhere in the state within minutes if they are too lazy to walk.

KenInIL on March 26, 2014 at 3:34 PM

Extra time is not an extension, nutters” — Nurse Ratched

Schadenfreude on March 26, 2014 at 3:35 PM

OT – the entertainment of the day was obama speaking to the EuroWieners, at night, not the presser. They were raptured with him. I hope they keep him there.

Schadenfreude on March 26, 2014 at 3:35 PM

Why didn’t Algore anticipate this problem with his most famous creation?

DinaRehn on March 26, 2014 at 3:36 PM

He’s surely right, to whatever small extent, that some older people who’ve never been online and have no younger friends or family members to help will have trouble navigating the website.

It’s been a while and all I’ve read in the last few months has been about the website, but wasn’t there a phone number? Old people have phones.

Mind you, there’s two people manning it and one’s on vacation and the other is off sick, but still……

kim roy on March 26, 2014 at 3:36 PM

Harry Reid: We need to extend the ObamaCare deadline because …

… You can “smell the tourists coming into the Capitol!”

… “We’re not going to bow to tea party anarchists!”

… “Speaker Boehner and his band of tea party radicals have done the unthinkable.”

… “If you’re a senior, your donut hole is being filled!”

… “Before obamacare came along, being a woman was a pre-existing disability.”

… “The President, wonderful man that he is, doesn’t like confrontation.”

… “Our system of government is a voluntary tax system.”

… “You son of a bitch, you tried to bribe me!”

Pork-Chop on March 26, 2014 at 3:36 PM

The internet crooks knew enough to divert funds to Reid’s family, illegally.

Schadenfreude on March 26, 2014 at 3:36 PM

What is dumber than a smart liberal?

eh…purple? that’s my guess

DanMan on March 26, 2014 at 3:38 PM

True enough. And most of those people work as web designers for HHS.

AllahPundit: come for the stories, stay for the snark. The delicious, delicious snark.

rbj on March 26, 2014 at 3:40 PM

He’s surely right, to whatever small extent, that some older people who’ve never been online and have no younger friends or family members to help will have trouble navigating the website. (Although, ironically, the story he tells below about the 63-year-old woman makes it sound like she did know what she was doing but was, alas, thwarted in the end by another Healthcare.gov glitch.)

Uh, the vast majority of the age group he is talking about are 65+ and eligible for Medicare and wouldn’t even be looking at the website. Maybe one tenth of one percent of the population is what he is talking about? Fail and excuses.

Johnnyreb on March 26, 2014 at 3:40 PM

Strange Boehner didn’t mention all the cases of Obama admin officials lying to congress as a failure of the Obama admin’s commitment to law.

KenInIL on March 26, 2014 at 3:40 PM

BTW, has anybody seen that jumbo gavel Pelosi carried as a trophy ?

burrata on March 26, 2014 at 3:43 PM

Reid’s vile, and I heard he molests dogs. His burden to disprove it.

dorkintheroad on March 26, 2014 at 3:43 PM

What about elderly people, like my mom, who don’t even own a computer? It makes her madder than a wet hen that someone can find out her phone number and address just from typing her name into “doodle”, her word not mine. ;-)

There’s no way on God’s green earth she’s going to put her personal information into an online form.

Flora Duh on March 26, 2014 at 3:44 PM

Maybe I’m limited by my personal experiences, but are there really a lot of “old” people anymore that don’t know how to use the internet? I would guess that most HA commenters are a bit older than me, yet I learn things from them. My dad, who sadly was taken at an unusually young age, but who would have been in his mid-sixties today, taught me about computers and the internet since I was a kid. Same with my mom. The last “old” person that I knew that didn’t know about the internet was my grandmother, but she was like 90 when she died.

Serious question: are there a lot of people out there anymore that don’t use the internet?

WhatSlushfund on March 26, 2014 at 3:44 PM

Truth is, the website for the piece of crap Obamacare still doesn’t work fully unless you have W7-8 or better computer that’s running a late version of IE. That’s the platform they focused on when writing software, and who knows when they will get around to other platforms and browsers.

slickwillie2001 on March 26, 2014 at 3:44 PM

When they come up with the new & improved site, they can have it issue voter ID cards, too!

PersonFromPorlock on March 26, 2014 at 3:34 PM

It pretty much already does. Obamacare already has a giant Democratic voter registration scheme written into it. (You didn’t think those crooks would miss the chance to sign up more LIV’s, did you?)

AZCoyote on March 26, 2014 at 3:45 PM

I hate Harry Reid.

OT, sorry Allah, but Northwestern college football players can unionize. Holy crap.

John the Libertarian on March 26, 2014 at 3:26 PM

It’s just the Regional Director who has determined this. Still has to go before the whole NLRB (which doesn’t give much comfort, admittedly).

Throat Wobbler Mangrove on March 26, 2014 at 3:48 PM

Uh, the vast majority of the age group he is talking about are 65+ and eligible for Medicare and wouldn’t even be looking at the website. Maybe one tenth of one percent of the population is what he is talking about? Fail and excuses.

He means pre-Medicare age, I think. Late 50s/early 60s. That’s why he mentioned the 63-year-old woman.

Allahpundit on March 26, 2014 at 3:49 PM

Serious question: are there a lot of people out there anymore that don’t use the internet?

WhatSlushfund on March 26, 2014 at 3:44 PM

I mentioned my mother up above, my mother-in-law doesn’t own a computer and doesn’t want to, she’s 90. My husband is 64 and just started using a computer last year, even though we’ve had one in the house since 1998. The only thing he knows how to do is go to YouTube and use google to search for recipes.

Flora Duh on March 26, 2014 at 3:51 PM

He’s surely right, to whatever small extent, that some older people who’ve never been online and have no younger friends or family members to help will have trouble navigating the website.

Hey, maybe we should hire some people to help citizens NAVIGATE through the website that barely works.

(Facepalm…)

Please just throw mo’ money at it…

DublOh7 on March 26, 2014 at 3:52 PM

Serious question: are there a lot of people out there anymore that don’t use the internet?

WhatSlushfund on March 26, 2014 at 3:44 PM

My Mother at 82. She refuses to even look at a computer. But her sister, my aunt 84 is on her computer all day long. Go figure.

Johnnyreb on March 26, 2014 at 3:53 PM

Reid’s vile, and I heard he molests dogs. His burden to disprove it.

dorkintheroad on March 26, 2014 at 3:43 PM

Why would Reid disprove the only qualification he has for being a Demoncrap?

burrata on March 26, 2014 at 3:57 PM

Serious question: are there a lot of people out there anymore that don’t use the internet?

WhatSlushfund on March 26, 2014 at 3:44 PM

Back when Al Gore first invented the internet, my parents were worthless with computers. But these days, they’ve got their iPads, iPhones, and laptops with them at all times are quite proficient with all of them. Certainly enough to navigate a freaking website.

Now if you asked them to troubleshoot a computer or hook up their Blu-ray player or calibrate their TV, that’s when they pick up the phone and call me, but Harry Reid is out of his mind if he thinks older people(my dad and mom are 66 and 61 respectively) are incapable of using the internet.

Doughboy on March 26, 2014 at 3:58 PM

We were told by the Dems back in the day, that there are 40-50 million uninsured……

And now we are told that they don’t know how to sign-up?

What else is wrong with them?

Electrongod on March 26, 2014 at 3:58 PM

He means pre-Medicare age, I think. Late 50s/early 60s. That’s why he mentioned the 63-year-old woman.

Allahpundit on March 26, 2014 at 3:49 PM

Oh, OK I get it. He means the old sick people who they do not want to sign up that will skew the insurance pool. He isn’t talking about the healthy young people who they actually need to sign up to this joke to make it work. He is looking for old sick people to sign up that will crash the system. Got it.

Johnnyreb on March 26, 2014 at 3:59 PM

How about they didn’t sign up because they KNEW the deadline would be delayed ….. again.

So why bother?

LouisianaLightning on March 26, 2014 at 3:59 PM

I mentioned my mother up above, my mother-in-law doesn’t own a computer and doesn’t want to, she’s 90. My husband is 64 and just started using a computer last year, even though we’ve had one in the house since 1998. The only thing he knows how to do is go to YouTube and use google to search for recipes.

Flora Duh on March 26, 2014 at 3:51 PM

Sorry, I missed your earlier comment. So I guess there are still some. But I’m guessing that this is a pretty small portion of the population these days. Certainly small enough to make HR’s excuse laughable.

You have a good point though about the personal information angle. That used to terrify my grandmother too. I’m certainly not getting involved in the “exchanges” myself. Anyone of any age should be concerned about where that information is going.

WhatSlushfund on March 26, 2014 at 3:59 PM

Serious question: are there a lot of people out there anymore that don’t use the internet?

WhatSlushfund on March 26, 2014 at 3:44 PM

Pew survey finds that 15 percent of Americans don’t use the Internet

The Internet has become so entwined in their lives that many Americans might have trouble coping without it. But a new survey found that some 15 percent of Americans — about 1 in 7 — don’t use the Internet at all. Most of them prefer it that way.

Flora Duh on March 26, 2014 at 4:01 PM

What else is wrong with them?

Electrongod on March 26, 2014 at 3:58 PM

…they lie…and they are dumb!

KOOLAID2 on March 26, 2014 at 4:02 PM

You have a good point though about the personal information angle. That used to terrify my grandmother too.

WhatSlushfund on March 26, 2014 at 3:59 PM

You should have seen my mom’s face when I told her that “doodle” actually had pictures of her house online. lol

Flora Duh on March 26, 2014 at 4:08 PM

True enough. And most of those people work as web designers for HHS.

AllahPundit: come for the stories, stay for the snark. The delicious, delicious snark.

rbj on March 26, 2014 at 3:40 PM

SO, so true! No one does it better.

ChicagoBlue on March 26, 2014 at 4:09 PM

Flora Duh on March 26, 2014 at 4:01 PM

Wow, 15 percent? I’m shocked it’s that much. Like I said, maybe I’m limited by my experiences, but I never meet anyone anymore of any age that isn’t constantly connected to their computers.

WhatSlushfund on March 26, 2014 at 4:09 PM

They hypocrisy of the left knows no bounds.

sadatoni on March 26, 2014 at 4:10 PM

What happened to all the clowns the government hired to assist people signing up for Zerocare? I forget what they are called. Anybody recall?

TarheelBen on March 26, 2014 at 4:17 PM

What happened to all the clowns the government hired to assist people signing up for Zerocare? I forget what they are called. Anybody recall?

TarheelBen on March 26, 2014 at 4:17 PM

‘Those who have done time for identity theft’?

slickwillie2001 on March 26, 2014 at 4:20 PM

He means pre-Medicare age, I think. Late 50s/early 60s. That’s why he mentioned the 63-year-old woman.

Allahpundit on March 26, 2014 at 3:49 PM

He may also be implying there’s a lot of LIARS involved…

ToddPA on March 26, 2014 at 4:21 PM

OT, sorry Allah, but Northwestern college football players can unionize. Holy crap.

John the Libertarian on March 26, 2014 at 3:26 PM

OT comment: Then the board of regents at Northwestern should immediately annouce that they’re disbanding the football program – in the interest of academics.

Back on topic: You bitter clinger, bible thumping rubes are too stupid to use the intertubes!

BacaDog on March 26, 2014 at 4:22 PM

Brosurance, dudes!

Good Lt on March 26, 2014 at 4:23 PM

‘Those who have done time for identity theft’?

slickwillie2001 on March 26, 2014 at 4:20 PM

That’s close, I’m sure! I know that convicted felons could get jobs doing it.

TarheelBen on March 26, 2014 at 4:28 PM

I’m still not getting what another delay on the deadline “gets” them.

People are not going to pay these exhorbitant premiums, and those who already have should be LIVID that they’ve been suckered for 3 months.

The only thing they are putting off is a day of reckoning when the real numbers are released. No delay into the spring or summer will avert the November disaster; in fact, might make it worse.

In addition to Sebelius’ and Carney’s public comments, I would love someone to post WH political hitman Dan Pfeiffer’s MTP categorical video remarks of no further delay.

matthew8787 on March 26, 2014 at 4:40 PM

<blockquoteHe’s surely right, to whatever small extent, that some older people who’ve never been online and have no younger friends or family members to help will have trouble navigating the website.

Funny considering the enrollment numbers skewed older…

FadeToBolivia on March 26, 2014 at 4:41 PM

Stats, schmats. The O admin will declare victory on 03/31 (or whutever the date is) and extend the drop dead date (no pun intended?) another 6 months.

vnvet on March 26, 2014 at 4:41 PM

I’m surprised he didn’t blame the Koch Brothers.

cat_owner on March 26, 2014 at 4:45 PM

So Grandma can’t use the internet? Well, that explains why most of the younguns haven’t signed up then, doesn’t it?

HiJack on March 26, 2014 at 4:47 PM

OT – Newsweek has a scathing article about Obama as it’s riding off into the sunset. Not that it will do any good now.

HiJack on March 26, 2014 at 4:49 PM

Harry Reid: We need to extend the ObamaCare deadline because … some people don’t know how to use the Internet

Not to mention, even the ones who do know how have to be very cautious about submitting personal information to a website as insecure as healthcare.gov. It’s not just a matter of identity theft – there’s also the risk of having your kids get stalked by the searchlight strangler, or some other alleged serial pederast.

RINO in Name Only on March 26, 2014 at 4:50 PM

What? No everdiso to set us straight. Slacker.

Bmore on March 26, 2014 at 4:51 PM

So Grandma can’t use the internet? Well, that explains why most of the younguns haven’t signed up then, doesn’t it?

HiJack on March 26, 2014 at 4:47 PM

Lol. That’s the knock-out punch right there. That pretty much says it all.

Harry FAIL

WhatSlushfund on March 26, 2014 at 5:05 PM

No everdiso to set us straight. Slacker.

Bmore on March 26, 2014 at 4:51 PM

WTF?

HiJack on March 26, 2014 at 5:05 PM

That Boehner clip is a perfect example of why we need a new Speaker.

Gads! He couldn’t even lambast the deadline extension without tripping over his words. What should have been a scathing and sarcastic response – fell far short of the mark. Who the hell is he expecting to get riled up, with such a horrible delivery? It’s like watching amateur night at the local comedy club.

Hill60 on March 26, 2014 at 5:11 PM

Truth is, the website for the piece of crap Obamacare still doesn’t work fully unless you have W7-8 or better computer that’s running a late version of IE. That’s the platform they focused on when writing software, and who knows when they will get around to other platforms and browsers.

slickwillie2001 on March 26, 2014 at 3:44 PM

You are soooooo right.

Oh wait, you were talking about the Obamacare website, not Hot Air.

(Actually, it seems like Hot Air has gotten better the last few days.)

MichaelGabriel on March 26, 2014 at 5:26 PM

Well, whatever happened to the navigators and phone alternatives? They’re too stupid to use those too? (no insult to the people… only to Reid)

UnderstandingisPower on March 26, 2014 at 5:28 PM

The pernicious prickly little pipsqueak pops off again! So I guess that means that even the “navigators” that were supposed to help navigate the site failed too. Opportunity wasted…he could have blamed the Koch brothers again!

scalleywag on March 26, 2014 at 5:29 PM

MichaelGabriel on March 26, 2014 at 5:26 PM

Still crashes on me pretty frequently, I am using firefox.

scalleywag on March 26, 2014 at 5:31 PM

I liked the article that pointed out that, despite mandates, about 14% of drivers don’t carry car insurance. Those mandates have been in place for decades, and they still don’t seem to work. I would expect the final numbers of health insured would look similar.

http://blog.heartland.org/2014/03/mandates-never-work-the-case-of-auto-insurance/

HakerA on March 26, 2014 at 5:32 PM

Ol’ Chuckie could hardly contain his laughs as Reid was Speaking. Notice how he ducked behind Reid when he was talking about the 63yr old.

Barred on March 26, 2014 at 5:39 PM

I am a health agent. On a good day an application takes me an hour to complete with a client. When that happens I feel like I have won the lottery. Other times it has taken me days to get someone through. Some applications due to glitches have taken me 3 hours. I help people protect themselves and their families for a living. I will keep helping people. It would be nice if the app was a long form that you could hit submit instead of having to submit each question and wait.

As I have helped people I have very mixed feelings about the law. I have been able to help people who really needed help. I have not been able to help a number of the working poor who I really wish I could help. And as for my own costs they have gone up a good bit. I see good things in the law and a great many things that need to be fixed. The enrollment site chief among them.

Politicians make laws. In the mean time, we need to do our jobs and help people where we can in a very imperfect world and not because of politicians, but in spite of them. Live everyday making a difference to those with in your power to help.

USBB on March 26, 2014 at 5:48 PM

Still crashes on me pretty frequently, I am using firefox.

scalleywag on March 26, 2014 at 5:31 PM

Actually, to be fair to Hot Air, I use 3 computers :

- One is a screaming fast power machine, used for work, that never gets connected to the Internet, except for software upgrades.

- One has the latest browsing software, that I use when I need connection reliability & speed.

- One I use for mucking around the Internet, doesn’t get upgraded that often. This is the one that causes problems.

MichaelGabriel on March 26, 2014 at 5:49 PM

Obamacare must be repealed. How many admissions of failure does it take?

dogsoldier on March 26, 2014 at 5:52 PM

I see good things in the law

USBB on March 26, 2014 at 5:48 PM

Can you expand on this?

WhatSlushfund on March 26, 2014 at 5:53 PM

If you sign up for Obamacare you might as well give your information to the next Nigerian telemarketer that calls.

People here tend to live a long time. I kknow a few of them who don’t have computers and refuse to have anything to do with them. A lot of spouses don’t use the computer because they are afraid of pissing off their spouse who uses it.

I know several people in their 80′s and 90′s who use computers. One of them is almost 100. Most of my friends are in their 70′s and only a couple don’t use a computer which is annoying because I have to call them.

My father died at 60 in 1968. He loved technology and would have had a ball with computers. I was always sorry he didn’t live long enough to see the walk on the moon. He was very much into science.

Conversely, I’m not sure a lot of young people know how to use a computer. They use Iphones and Ipads.

crankyoldlady on March 26, 2014 at 5:59 PM

I see good things in the law

USBB on March 26, 2014 at 5:48 PM

You may have “helped” people get onto the site but have you actually helped them by doing so? I doubt it.

crankyoldlady on March 26, 2014 at 6:02 PM

You may have “helped” people get onto the site but have you actually helped them by doing so? I doubt it.

crankyoldlady on March 26, 2014 at 6:02 PM

I helped a young gal in her 20′s who did not have coverage who is more than likely is in the early stages of cancer. YES I helped her. Her job does not offer coverage and she is poor. She is willing to pay something for her care. She just changed jobs and had coverage but lost it.

I have also helped other working poor families who are willing to pay something. They are not on welfare. They work hard.

You may not think I have helped anyone. I hear their stories and sit with them for hours while we try to enroll them. I also know people who have been hurt by the law too. It is not all good.

USBB on March 26, 2014 at 6:08 PM

ROFL AN obamacare enrollment Moby? WTF!!!!

Murphy9 on March 26, 2014 at 6:20 PM

It is not all good.

USBB on March 26, 2014 at 6:08 PM

Gee, ya think?

HiJack on March 26, 2014 at 6:20 PM

If what Reid says is true then why do the Democrats heavily rely on social media and other hi-tech tools?

Just asking

Kingfisher on March 26, 2014 at 6:23 PM

And exactly HOW many months has this debacle been open for people to sign up?

And in that time, people couldn’t find anyone to help them?

And suddenly they’ll figure it out in the three weeks remaining….OK then….

Bull Puckey. Period.

ProfShadow on March 26, 2014 at 6:30 PM

Wouldn’t it suck if you created a mandate and hardly anyone complied?

Laura Castellano on March 26, 2014 at 6:32 PM

Wouldn’t it suck if you created a mandate and hardly anyone complied?

Laura Castellano on March 26, 2014 at 6:32 PM

And then how cool would it be when more and more people find out that the IRS is powerless when the people unite.

HiJack on March 26, 2014 at 8:10 PM

You may not think I have helped anyone. I hear their stories and sit with them for hours while we try to enroll them. I also know people who have been hurt by the law too. It is not all good.

USBB on March 26, 2014 at 6:08 PM

I’m sure they appreciated your commiserating with them but how do you know you have actually got them coverage?

You people are all the same. You think if you just make a pronouncement everything will be hunkey and dorey.

crankyoldlady on March 26, 2014 at 8:24 PM

WhatSlushfund,
I typed a very long answer and my computer just reloaded the page and I lost it. Let me try to answer what I see good in the law.

In the past if you had a policy that was not considered a trust product, if you got sick, your insurance company could raise your rates so much that you could not afford to keep the policy when you needed it most–the whole reason you had it in the first place. I was enrolled in such a product before I became an agent. The entry rate was great, but if I had gotten sick, I would have been in trouble. I would have become un-insurable and not able to afford the policy that I took out to be responsible.

Old small group rules say that companies have to take you no matter how sick you are and can only rate up the group 67% over street rates. Sick people could get insurance, but they had to find a company to hire them. Also group rates were more expensive than individual for that reason. Now the field has been leveled a bit.

Kids can stay on until they are 26. Let’s face it, most parents help their kids get on their feet and not everyone is college material. This helping working people get their kids established.

I help people for a living. Not long ago, a mother with a terminally ill child came to me and asked me for help. I am appointed with many carriers and she was concerned about his funeral. He is 16 and had been in hospice for 6 months now. I know of a product that will let me put a policy on a mom and then riders on the kids with no health questions. I can’t take away their coming grief, but I helped them pay for a funeral. That is one bit of suffering I can take away from them. That makes me feel good and to that family I made a difference.

Another part of my job is helping people avoid taxes and accumulate wealth at no risk in a tax advantaged manner. I love doing this. I want my clients to enjoy 50-100% income than they would have had they not met me. I want them to have expanding income.

I help people protect their families from what life sends their way.

Once there was a boy shoveling manure and singing at the top of his lungs and smiling. Someone asked the boy why he was so happy to which he replied, “with all this manure in here there has to be a pony and I am going to find him!” I want to be that boy.

Another saying that I love is that my customers have a ton of manure and I have seeds. Together we can make something grow. Where I have been, where my life has touched another, I want people to be better off. My efforts do not depend on the government. They depend on me and my willingness to make a difference where I am granted an opportunity.

Yesterday I helped people. Today I helped people. Tomorrow, I will get up and do it again.

USBB on March 26, 2014 at 8:28 PM

I’m sure they appreciated your commiserating with them but how do you know you have actually got them coverage?

You people are all the same. You think if you just make a pronouncement everything will be hunkey and dorey.

crankyoldlady on March 26, 2014 at 8:24 PM

How do I know? Because I know how to do my job and follow up. I was an agent long before the law passed.

And yes I commiserate with my clients if you will. I listen. I care. I take their calls on nights and weekends. I have gotten calls on the weekends that I answer saying my husband just had a heart attack and I know you explained our policy to us before, but I am scared about what will happen to him and I need someone to help me understand our policy.

I know that I have gotten people coverage because I know how to do my job.

And if you read my comments above, you will note that I stated that there are significant issues with the law and it is not good for everyone. It in fact hurts some a great deal.

USBB on March 26, 2014 at 8:35 PM

Oh and one more good thing I did yesterday, after spending an hour and half with a client in person, who has had an application stalled since January. She met me yesterday and I resolved her problem. Now that took me an additional 51 minutes of being on hold to get a person at healthcare dot gov on the line. And then another 70 minutes with a nice government employee–who by the way I also helped because there is a work around for an error the nice government employee kept getting that she did not know the work around.

So yeah, I am pretty familiar with how poorly the website works, because it wastes my time every day while I try to help people. I own my own business so I don’t get paid by the hour. I keep at it because people need help and as the late Zig Ziglar used to say, if you help enough people get what they want out of life, you will also get everything and more that you want out of life. Sometimes that means helping a poor lady who for over 4 hours because no one else will help her.

USBB on March 26, 2014 at 8:49 PM

USBB on March 26, 2014 at 8:28 PM

Serious question: what is a “trust product”?

WhatSlushfund on March 26, 2014 at 8:57 PM

USBB on March 26, 2014 at 8:28 PM

All I know is that I HAD good insurance, and I just picked up the phone and frickin bought it, and I didn’t have to go through an “agent,” whatever that means. Now thanks to Obama, I have none. Your post sounds like a used car salesman.

WhatSlushfund on March 26, 2014 at 9:04 PM

Harry Reid: Smelly tourists.

Attila (Pillage Idiot) on March 26, 2014 at 9:45 PM

Whatslushfund you still don’t have to have an agent. Go directly to the carrier website and enroll there. Same price with or without an agent. If you have a good agent they will help you if you have a problem or you can call the 800 number of your carrier. You also don’t have to use the government website. Only go there if you want the tax credit or government handout if you will.

A trust product means that each year a company looks at its book of business and looks at the profit and loss for the region and they adjust rates by the entire pool of people. So you had a bad year with a lot of claims and I never went to the doc once. They average the profit or loss and adjust everyone’s rate a tiny bit to keep the company profitable and everyone’s costs down. In a non trust product you had a bad year and I had a good year. Your rates will sky rocket yo the point you can’t afford them and you will have to drop. I had a great year and never went to the doc and my rates stay low. The purpose of insurance is to spread the risk among a large pool of people. Trust products do that well. Now all plans work like a trust product under the new law. The new term is community rating. Rates are now figured by the overall claims county by county in each state

Does that answer your question?

USBB on March 26, 2014 at 10:17 PM

And by the way the great plan I had will be taken from me at the end of this year and my personal costs will more than double. I am unhappy about that. I get that there are lots of problems with the law. Lots and lots of problems.

Yesterday I enrolled one person directly who isn’t getting a tax credit. Enrolled in less than 10 minutes. Another person who we had to go through the government site see above story of between 3-4 hours. I get paid the same on both cases.

And for people who are sick and can’t work who had affordable plans before it is a bad deal. For the newly sick who did not have coverage before it is a good deal.

USBB on March 26, 2014 at 10:23 PM

Harry Reid thinks that blacks are too stupid to understand the internet …

African Americans are not signing up for insurance under Covered California at anywhere near their percentage of the population.

http://www.breitbart.com/InstaBlog/2014/03/27/Few-African-Americans-Enrolling-in-Covered-California

Pork-Chop on March 27, 2014 at 1:33 PM