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WSJ: Uh Oh. Obamacare Enrollees Older Than Expected

by Keith Koffler on November 5, 2013, 8:56 am

The Wall Street Journal has a piece I thought you would want to see today – it’s behind their paywall – reporting that those who have bought insurance under Obamacare so far are much older than expected.

This is very very bad news for Obamacare, because young people who will pay for insurance but won’t need health care services that cost insurers cash money are ESSENTIAL for Obamacare work. Otherwise, the insurance companies lose money on older, sicker enrollees and must either force youngsters to sign up at gunpoint or raise prices for everyone.

Or go out of business.

That is, liberal geniuses have concocted a special scheme called Obamacare that seeks to make Americans do what Lefties know is best but which also happens to be against people’s self-interest. It is a perfect example of liberals trying to mold the square peg of human behavior into the round hole of their utopian fantasies.

The article cites numerous examples of money-losing demographics:

The average enrollee age at Priority Health, a Michigan insurer, has ticked up to age 51 for newcomers, from about 41 years old for plans offered for the current year, said Joan Budden, chief marketing officer. Arise Health Plan, Wisconsin’s largest nonprofit insurer, said more than half its 150 signees are over 50, a higher proportion than expected, while declining to be specific on its target age . . .

At a health-law education event in North Carolina last week, more than 100 people, mostly in their 40s and 50s, came. “I actually didn’t see a single young person,” said Liz Gallops, an insurance agent from Raleigh, N.C., who attended.

Insurers are hoping for an average enrollee age of about 40.

Part of the skewing is due to the dysfunctional website, because those who need health insurance the most are more likely to keep hitting “enter” until something works. But even in states running their own exchanges, where things have been smoother, it’s the elders and not their grandkids who are signing up.

In states that are running their own marketplaces and have seen smoother rollouts, officials are now also reporting a similar phenomenon, suggesting the economics of the law play a role, too. In Connecticut and Kentucky, which have enrolled more than 4,000 people each in private health plans so far, the largest segments of enrollees in new commercial health-law plans are over age 55, much older than industry actuaries say they had anticipated.

What’s more, higher proportions of younger people are simply signing up for Medicaid, putting them on the public dole instead of assisting with insurers’ bottom lines.

Once insurers start raising premiums, Democrats will drag them before congressional committees and accuse them of gauging consumers. And once they start going out of business, the march toward a single-payer system – that is, a nationalized health insurance program – will be on.

It’s what most liberals, likely including President Obama, are seeking as the cornerstone of our future Workers’ Paradise.

So sing with me, if you will, the Internationale, as we look forward to the day when we are One Nation, Under God, and Under Obamacare. And, if necessary, Under Martial Law.

Arise ye workers from your slumbers
Arise ye prisoners of want
For reason in revolt now thunders
And at last ends the age of cant.
Away with all your superstitions
Servile masses arise, arise
We’ll change henceforth the old tradition
And spurn the dust to win the prize.

Refrain:
So comrades, come rally
And the last fight let us face
The Internationale unites the human race.

No more deluded by reaction
On tyrants only we’ll make war
The soldiers too will take strike action
They’ll break ranks and fight no more
And if those cannibals keep trying
To sacrifice us to their pride
They soon shall hear the bullets flying
We’ll shoot the generals on our own side.

No saviour from on high delivers
No faith have we in prince or peer
Our own right hand the chains must shiver
Chains of hatred, greed and fear
E’er the thieves will out with their booty
And give to all a happier lot.
Each at the forge must do their duty
And we’ll strike while the iron is hot.

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{ 42 comments }

cincycinco November 5, 2013 at 9:32 am

“That is, liberal geniuses have concocted a special scheme called Obamacare that seeks to make Americans do what Lefties know is best but which also happens to be against people’s self-interest. It is a perfect example of liberals trying to mold the square peg of human behavior into the round hole of their utopian fantasies.”

Well stated, Mr. Koffler. Reminicient of Adam Smith, who saw this guy coming a quarter-Milleneum ago…

“The man of system…is apt to be very wise in his own conceit; and is often so enamoured with the supposed beauty of his own ideal plan of government, that he cannot suffer the smallest deviation from any part of it… He seems to imagine that he can arrange the different members of a great society with as much ease as the hand arranges the different pieces upon a chess-board. He does not consider that in the great chess-board of human society, every single piece has a principle of motion of its own, altogether different from that which the legislature might choose to impress upon it.

The Theory Of Moral Sentiments, Part VI, Section II, Chapter II, pp. 233-4, para 17.”

If THAT don’t describe our Hopey…

And THIS one calls Obama out directly;

“The statesman who should attempt to direct private people in what manner they ought to employ their capitals, would not only load himself with a most unnecessary attention, but assume an authority which could safely be trusted, not only to no single person, but to no council or senate whatever, and which would nowhere be so dangerous as in the hands of a man who had folly and presumption enough to fancy himself fit to exercise it.

The Wealth Of Nations, Book IV, Chapter II, p. 456, para. 10.”

(Quotes from http://www.adamsmith.org/quotes)

Pretty GOOD for a guy that died in 1790, nicht wahr?

Oh, wait, he’s a dead White guy, we don’t have to listen to HIM…

Really, though, that’s what’s the MOST distressing about THIS President; not that he’s doing something NEW, but that NONE of it is new! The Devil always repeats, ’tis said, and that’s the case here…That’s why Adam Smith can describe him so precisely; why it ALWAYS seems like we’ve heard his programs, ideas, ways of “governing” before, why the MOST RECENT ideas Obama has came directly from the 1970′s – IT’S NOT NEW! IT’S BEEN TRIED AND FAILED, IN MANY PLACES AND MANY TIMES! THIS WON’T BE ANY DIFFERENT!

Sorry about shouting, but it does get tiresome, and the LIV’s continue to not listen. Those who don’t remember history are doomed to repeat it, it’s been wisely said; but, it seems that even when some DO remember history, we are doomed to repeat it because MORE people do NOT…

Star November 5, 2013 at 10:25 am

If THAT don’t describe our Hopey…
That part doesn’t sound so smart….

Aileen November 5, 2013 at 10:33 am

I like that part…it is sarcastic but not foul.

Star November 5, 2013 at 10:47 am

The foul stuff, as you know, is like a punch in the eye to me But subject-verb number disagreement (rife in AZ) sounds low, too. I don’t really see it as sarcasm–but I will think about it…

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gina November 5, 2013 at 9:39 am

pray.

Porterhouse November 5, 2013 at 9:42 am

We need to be careful about falling into a trap of identifying how many people enrolled through Obamacare.

The statistics need to be delineated between those who had insurance before Obamacare and are now on the exchange and those who didn’t have insurance before Obamacare and are now on the exchange.

Because the measure of success is how many newly insured they are.

At every turn, the administration and insurers should be pressed to present enrollment numbers in that way.

Artcat November 5, 2013 at 9:51 am

Kind of like how the stimulus was measured by “jobs created” then down the road by “jobs saved or created”.

gracepmc November 5, 2013 at 11:25 am

Not worth much, but I heard somewhere that 17% of those previously uninsu

gracepmc November 5, 2013 at 11:28 am

Not worth much, but I heard somewhere that 17% of those previously uninsured had if not enrolled then signed on. Don’t know how many went automatically to the taxpayer funded medicaid.

Pretty much the fact that the verification for those who qualify for subsidies will come later speaks to the moth eaten fabric of this whole scam anyway.

srdem65 November 5, 2013 at 9:52 am

Before I get all weepy thinking about the sad fate of the devilish health insurance companies, I do remember that the Feds (all of us) have promised to reimburse those devils for (1) subsidies to low income clients and (2) the taxes that the uninsured will pay at the end of the year will cover some of their losses.
The insurance gurus struck a deal with the Obama administration, helped draft some of the regulations and is as complicit in this destruction of our health care system as are the Dems who voted for something they hadn’t read, nor understood.

It’s really difficult to discuss the workings of this mess when we don’t actually have anything to refer to or check for accuracy. Oh, sure, we can order a copy of the ACA and spend hours trying to decipher the convoluted regulations, if we have the stamina. Also, there doesn’t seem to be any news or information outlet that has the information on who, what, when and how much is involved here.

re: The WSJ boo-hooing about the older clients signing up for new health insurance, well….what did they expect?
The older client is more mature, knows that a health disaster is a given, and wants to insure that they won’t lose everything for a single hospitalized illness.
The young, the young&fit, have no assets to protect, believe that some anonymous mom&dad will take care of everything, and besides, they’re sure they will always be healthy and are not going to get sick or come down with some terrible disease.

IMO, single-payer health care can’t work until the healthcare providers become government employees. That means that doctors, nurses, hospitals and healthcare clinics must be part of the federal government, either as employees or contract facilities. Indentured slavery and government takeover comes to mind with that scenerio.
Not going to happen, imo.

Star November 5, 2013 at 10:30 am

Some of these so-called approved plans where you pay 50% are going to wipe people out, too–even the 20%ers. Or the ones with a $10K deductible the surgeon will want upfront before your bypass. In CA, the companies–speaking of them–are hanging back waiting until the sick people sign up with their competitors and then they will come in in a year or more and scoop up the athletic youngsters. This is calculated–they are not idiots and certainly not saints. Like a said, this whole magilla is like pulling out the bottom block in Zenga–let’s see what happens….aw….i

Aileen November 5, 2013 at 10:36 am

Great insight, Star. Thanks.

Star November 5, 2013 at 10:49 am

I was wondering–can the ins cos start advertising like the Medicare ones do? That would seem to be a good idea for them–while people are mulling, start selling them…

srdem65 November 5, 2013 at 11:15 am

One of the facts, previously unknown, is that insurance brokers are not permitted to help people enroll in Obamacare; hence, the navigators. This fact was revealed in the Senate hearing now airing on c-Span.

Star November 5, 2013 at 12:20 pm

That is interesting! So no ads. No calls to say, Humana, to get onboard. Can brokers sell these? I heard someplace they could–brokers are great! Still, I bet what I heard is not true. They want to control the supply chain.

Star November 5, 2013 at 12:25 pm

You just said brokers can’t. D’oh–slow this AM. Sorry. And I guess you can’t read that three cos offer OK plans in your state and call those cos directly…

Girly1 November 5, 2013 at 10:02 am

There’s another ‘young’ demographic that is being totally ignored – 15-20m illegals. I read somewhere that most of them are under 30. Why aren’t we hearing from LaRaza and all the hispanic out-reach groups? They’re chaining themselves to fences demading amnesty, but not a word about Obamacare. Do they know something we don’t know? Are they getting Medicaid under the table….or are they just going to continue driving the ER’s into bankruptcy.

Girly1 November 5, 2013 at 10:33 am

If illegals aren’t required to buy ins. or pay a fine, why not charge them a hefty ‘squatter’s fee’? Obama has ordered ‘no deportations’. Why should they get a free ride? Very few of them pay taxes (undergrouind economy) and most of them avail themselves of various forms of subsistance, i.e. Auntie Z and Uncle Omar. We wouldn’t be in this mess if we enforced the existing Federal immigration laws!!!

gracepmc November 5, 2013 at 11:30 am

Illegals and undocumented will never pay one dime for anything.

Star November 5, 2013 at 10:34 am

Little secret–ERs depend on insured people as a profit center–some doctors will SEND you to the ER. I have had it happen many times. On weekends, when they don’t have one-day appts left or even available at all, when it sounds like something serious…etc. The ERs would be full even with an insured population–in fact, they will think up new ways to get people to come–such as little urgent care divisions, etc.

Girly1 November 5, 2013 at 10:53 am

Interesting. A few nights ago my daughter cut her finger chopping onions- drove to the ER – got 3 stitches. Cost $2000. Good thing she still has employer insurance!

Star November 5, 2013 at 12:23 pm

For a while… When I had my last eye infection, I would not let them sew it shut (fool me once) and they put in a so-called bandage contact–took one sec…On the EOB, it was listed as a $1650 procedure–would people paying 50% after the deducible pay half of THAT?

Girly1 November 5, 2013 at 6:47 pm

The ‘cash price’ for the entire procedure is probably lower than the $800 co-pay. I would negotiate.

srdem65 November 5, 2013 at 10:34 am

Here in AZ, before our state made being illegal illegal, our ER rooms were packed, with additional people waiting outside in lines.
Now, our ER’s are back to normal usage.

Who knows what California with their 50% illegal population is doing for healthcare. Good luck there, CA.

Girly1 November 5, 2013 at 11:17 am

Also heard housing prices are soaring in Phoenix – up something like 35% in the last year. Good for you guys!

Star November 5, 2013 at 12:26 pm

I think I am out of upsidedown–barely. My sis is not.

Star November 5, 2013 at 12:30 pm

[I live in a hut in a "working class" nabe--she lives in a gated community.]

Personette November 5, 2013 at 10:12 am

I was thinking of “Gouge Away” by the Pixies.

Star November 5, 2013 at 10:24 am

That 50ish group–pre-Medicare–is a problem age–they have trouble getting even a real bad apple–not just those fake bad apples being scorned. Yes, this is a poison pill in the law. Maybe the admin vaguely figured all this was a win-win–if it bombed, single payer would look good, but I still have trouble believing they could make it bomb this big on purpose.

Owen_Kellogg November 5, 2013 at 10:26 am

I’m not seeing how this presents a problem to the Obama Administration. It is the insurance companies that need younger people to enroll – not the government. It is insurers that offer these policies. They will be the ones hurt by having more higher risk people join while lower risk younger people opt out.

This is all part of the grand design to have insurance companies run out of business. Insurers made a deal with the devil back in 2010, and now they will reap the consequences of that deal. As for the Obama government, they have a printing press. So they really have no concern with how much it will cost them. They ran up more than $400 billion in deficit spending last month alone without batting an eye.

Mandy Manners November 5, 2013 at 12:14 pm

What’s going on elsewhere while our eyes are focused on this Charlie Foxtrot? If FCMABBHO knew how bad this would be, I wouldn’t put it past him to have all kinds of mischief to do while the MFM are busy with this. Friday, he signed some EO’s about so-called climate change. (Whatever happened to AGW?) Is Iran about to test a nuke?

Star November 5, 2013 at 12:28 pm

I posted on the EO’s–we need to look into that more. Climate whatever is not one of my subjects. Iran–one month from a bomb…really? I don’t know how to take that one.

Mandy Manners November 5, 2013 at 12:41 pm

IIRC, it was either a thread here or an item on a Morning News thread.

Mandy Manners November 5, 2013 at 12:49 pm

“The Iranians are now thought to be capable of producing an atomic weapons within a month if they throw all their resources at the project.”

http://www.whitehousedossier.com/2013/10/26/consequences-obamas-callow-approach-iran/

“Demonic, technologic willingness to harm.”

http://www.youtube.com/watch?v=DyiLSZavS4U&feature=related

Julie Brueckheimer November 5, 2013 at 12:32 pm

I think it was by EO that he said there would be no recourse against Obamacare on the basis of fraud.

Star November 5, 2013 at 2:43 pm

Maybe this isn’t my beeswax, but I notice among the regs here, very few except me seem to have hung out in ERs, bought individual insurance, gotten a cancellation (not me on that one), fought with insurance companies, or even seem to be in this game…am I wrong or are you wisely just being discreet.

Sadie November 5, 2013 at 5:41 pm

I can only speak for myself. I am over 65 and on Medicare with a supplemental. I was self-insured prior to 65 but did not experience conflict with my insurer, other than an ambulance ride to the ER. I made arrangements with the ER company to pay out the exorbitant cost + mileage. I had already used up my annual ER ride to a hospital earlier in that year.

Marcus November 5, 2013 at 2:48 pm

As Obama continues to strangle the citizenry with his tyrannical rule, it’s clear to me that he is the Jim Jones of the Democrat party. He’s forcing his followers to drink the blue Kool Aid of ObamaCare. He wants his followers to praise the drink, to insist that others also merrily drink it and to declare they are not experiencing what they are experiencing. He is destroying the Democrat party before our very eyes.

Sadie November 5, 2013 at 5:43 pm

Are you suggesting that the destruction of the Dems is a bad thing?

Marcus November 5, 2013 at 8:07 pm

Not in the least!

Dave Francis November 5, 2013 at 11:22 pm

THE OBAMA ADMINISTRATION OF LIES?

Nobody has escaped the horror stories which Obamcare is producing. Except for the
Silence from the Alphabet TV cable channels, left-minded stations and the mainstream media, the public would have a better understanding of the truth. Obama’s administration has lied to us, with politicians being bombarded with the stream of problems arising since the inception of the Affordable Care Act that is NOT “affordable” and there is no end in sight. Each state has massive amounts of insurance policy cancellations, costs are skyrocketing and that’s not only for businesses, but individuals. Millions of Americans are losing their individual health care plans.

Despite being told by Obama, “If you have a health care plan you like, you can keep it.” These hardworking Americans are being cancelled, forced into new plans with outrageous premiums, deductibles and out-of-pocket costs. Americans were blatantly lied to. Now the Democratic Party has the nerve to say,” They’re not cancellation notices—they’re transition notices to Obamacare.” MORE LIES! Older people find themselves with the mandate policies, which determine that they have to pay for abortions, childbearing and treatments they don’t need, with co-payments doubled and Federal exchange policies exploding with extra costs.

But what I want to understand that when you sign up your Social Security number is collected and then added to some massive data base. But then what about the ITIN numbers given freely by this incompetent government to millions of illegal aliens? Has this government found an excusable way, to add unknown numbers of foreign nationals, who shouldn’t be here in the first place? The Individual Taxpayer Identification Number (ITIN) is a tax processing number issued by the Internal Revenue Service. IRS issues ITINs to individuals who are required to have a U.S. taxpayer identification number but who do not have, and are not eligible to obtain a Social Security Number (SSN) from the Social Security Administration (SSA).

ITINs are issued regardless of immigration status because both resident and nonresident aliens may have a U.S. filing or reporting requirement under the Internal Revenue Code. So are ITIN numbers exempt from bamacare, or do the citizens and legal resident taxpayers have to pay for these people who are still criminals under the law. ARE PROCURED SOCIAL SECURITY NUMBERS GOING TO BE ACCEPTED BY THIS DYSFUNCTIONAL GOVERNMENT FOR HEALTH CARE? Can ITIN recipients bleed us even more and is their some slight of hand in this mandatory health care law, so these uneducated, itinerants further steal from us, because it fits into Obama’s plot, to turn our great nation into a third world toilet, just to get millions of more votes. Is this possibly a sly method allowing the population of illegal aliens to gain acceptance in Obamacare.

THE ONLY VICTORS IN THE FREE OF CHARGE OBAMACARE AND A IMMIGRATION AMNESTY ARE THE “FREE-LOADERS” AND SPONGERS WHO PLEAD LOW INCOME, (ILLEGAL ALIENS). AND OTHER PARASITES.

Just as with the carefully orchestrated re-reimbursement of child tax credits of illegal alien parents, of which the IRS is processing over $4.7 Billion dollars of illegal alien theft, that the people in Washington; specifically the Democrats who refuse to halt this legal robbery not allowing any vote on this outrageous example of Stealing taxpayer money. Either side of the coin is to blame for this repulsive genuflecting to illegal aliens, special interest, big industry since they are beholding to all these entities. Want to be educated about the incessant corruption in Washington and the states? Just click on THE PEOPLE’S legal site Judicialwatch.org and they will illustrate to you the criminal enterprises in Congress.

There is a basic, easy way to cut the job market from the thousands of illegal aliens arriving here daily:

We demand for—ALL THE PEOPLE—ALL THE CITIZENS—(Lawful Residence have a green card) a bio-metric Social Security ID card, that will slash the illegal foreign workers arriving here to a dribble; stopping voting fraud by non-citizens and halt criminals stealing credit, welfare and other citizen benefits. This programmed card that you would slide through a machine, just the same way you slide a charge card through would deny illegal alien parents from appropriating billions of dollars annually in child credits.

These extra dollars would go a long way in caring for our debilitated, mentally ill, homeless, mothers with two or three children, who cannot cope on a small amount of welfare and veterans that are being denied services. This is a digital document that cannot be counterfeited, even if stolen for reprehensible reasons? Your picture, your thumb-print and even an iris eye scan would distinguish you from anybody else. The manic fools in Congress of both political parties (not the TEA PARTY) are willing to keep spending trillions of dollars, but shy away from this federal issued ID card for a meager $2 Billion that the legislators say would cover every U.S. citizen. A card more powerful than E-Verify or means of enforcement internally or at the borders; a national ID card that Americans need urgently. I only hope some Patriotic American begins a petition, to
Command the legislators in Washington to get a biometric ID law in the Federal Register.

WE MUST IMPLEMENT A FOOLPROOF MEASURE AS A MANDATORY ID CARD, TO STOP ILLEGAL ALIENS VOTING IN OUR ELECTIONS, OR EVEN CITIZENS GOING FROM ONE STATE TO ANOTHER WHERE THEY PREVIOUSLY LIVED…VOTING TWICE OR MORE? THIS IS WHY LIBERALS AND DEMOCRATS DO NOT WANT PHOTO ID USED, WHEN VOTING. COULD IT BE THAT THEY DO NOT WANT STEEL-CLAD ID, BECAUSE IT WOULD PUT OBSTACLES IN THE WAY OF THE DISCOUNT LABOR POURING INTO AMERICA????