As we approach the end of the year what does it mean to be “enrolled” for ObamaCare and why is that so crucially important?


By Dave Andrusko

appforObamacarereNRL News Today has posted multiple times about the various examples (to be polite) of a lack of candor about ObamaCare. That includes everything from the bogus assurance that you could keep your health insurance to the equally fraudulent claim that you could keep your doctor to the claim that many/most people would actually pay less for health care (in fact, most people not enrolling in Medicaid are already finding out their rates and deductibles have soared), and the fact that, as NRLC’s Jennifer Popik wrote today, there are “wide limits on access to lifesaving drugs.” (See “More Obamacare Rationing Evidence: Exchange Plans Limit Access Not Only to Top Hospitals and Doctors, But Also to Drugs”)

On top of that there are lots of examples of misdirection, especially about who has “enrolled.” HHS announced today that just under 365,000 have enrolled in ObamaCare which is less than half of the goal of 800,000 by the end of November. (Never mind the intractable problem of duplicates from some of the 14 state-based exchanges which were responsible for “62 percent of the signups,” according to the Washington Examiner).

Bottom line, as we have discussed here before, is that there is a fundamental distinction between “signing up” and “enrolling.” You are NOT ‘enrolled’ UNTIL you make your first payment.

Under the headline “Uh oh: Only 5-15% of enrollees have paid their first month of premiums in some ObamaCare plans,” has a devastating critique.

As the blogger Allahpundit put it, “If 365,000 have ‘signed up’ but only one-tenth of them, say, have paid their first month of premiums to activate their new coverage, how many people are really ‘enrolled’ in ObamaCare plans right now?” He then cites sources that suggest the figure in many plans can be as low as 5% to 15% (or 20%).

Why is that important, beyond something as old-fashioned as telling the truth? Citing a CNN article from last week, Allahpundit observes

“failing to pay by the deadline this month doesn’t necessarily mean that your coverage will take effect next month as soon as you finally pony up with your first premium. In some states, your enrollment is void if you don’t complete the purchase on time. That means you’ll have to re-enroll in January, which might be an easy process or might not be depending upon whether can handle the growing traffic load and whether insurers are buried under a mountain of backlogged applications, some of them with errors that require correction.”