{"id":2061,"date":"2014-03-07T12:10:58","date_gmt":"2014-03-07T17:10:58","guid":{"rendered":"http:\/\/www.dougsbriefcase.com\/blog\/?p=2061"},"modified":"2014-03-07T12:07:21","modified_gmt":"2014-03-07T17:07:21","slug":"obamacare-numbers-exchange-enrollment","status":"publish","type":"post","link":"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/","title":{"rendered":"Obamacare By The Numbers: Exchange Enrollment"},"content":{"rendered":"<div id=\"attachment_2095\" style=\"width: 310px\" class=\"wp-caption alignleft\"><a href=\"https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/CreditAP.gif\"><img data-recalc-dims=\"1\" decoding=\"async\" aria-describedby=\"caption-attachment-2095\" loading=\"lazy\" class=\"size-medium wp-image-2095 \" alt=\"Some Obamacare supporters claim that 10 million uninsured Americans have so far gained coverage thanks to the new law. Are they right? (Credit: AP)\" src=\"https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/CreditAP.gif?resize=300%2C224\" width=\"300\" height=\"224\" srcset=\"https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/CreditAP.gif?resize=300%2C224&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/CreditAP.gif?resize=1024%2C767&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/CreditAP.gif?resize=400%2C300&amp;ssl=1 400w, https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/CreditAP.gif?resize=900%2C674&amp;ssl=1 900w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\"><\/a><p id=\"caption-attachment-2095\" class=\"wp-caption-text\">Some Oba\u00admacare sup\u00adport\u00aders claim that 10 mil\u00adlion unin\u00adsured Amer\u00adi\u00adcans have so far gained cov\u00ader\u00adage thanks to the new law. Are they right? (Cred\u00adit:&nbsp;<span class=\"caps\">AP<\/span>)<\/p><\/div>\n<p><em><span class=\"dquo\">\u201c<\/span>Let\u2019s look at the bot\u00adtom line.&nbsp;The bot\u00adtom line is this: 10 mil\u00adlion Amer\u00adi\u00adcans have health insur\u00adance today who would not have had it with\u00adout the Afford\u00adable Care Act. Ten mil\u00adlion.\u201d &nbsp;\u2014 <a title=\"Link to Durbin quote\" href=\"http:\/\/www.washingtonpost.com\/blogs\/fact-checker\/wp\/2014\/02\/10\/durbins-claim-that-10-million-now-have-health-insurance-because-of-obamacare\/\" target=\"_blank\">Sen. Richard Durbin (D\u2011<span class=\"caps\">IL<\/span>)<\/a><\/em><\/p>\n<p>Oba\u00admacare crit\u00adics have tak\u00aden con\u00adsid\u00ader\u00adable plea\u00adsure in point\u00ading out the law\u2019s short\u00adcom\u00adings \u2014 can\u00adceled poli\u00adcies, high\u00ader pre\u00admi\u00adums and cost-shar\u00ading, nar\u00adrow net\u00adworks \u2014 the list goes&nbsp;on.<\/p>\n<p>Now that the web\u00adsite\u2019s worst prob\u00adlems have been resolved and enroll\u00adment num\u00adbers look more respectable, you can hard\u00adly blame the law\u2019s embat\u00adtled advo\u00adcates for using favor\u00adable num\u00adbers a bit loose\u00adly. After all, if those who find fault with the law have some\u00adtimes behaved irre\u00adspon\u00adsi\u00adbly, why should\u00adn\u2019t its defend\u00aders stretch the truth a&nbsp;bit?<!--more--><\/p>\n<p>There\u2019s just one prob\u00adlem: the claim that the law has result\u00aded in 10 mil\u00adlion new\u00adly insured Amer\u00adi\u00adcans is more than a stretch. &nbsp;It\u2019s a whopper.<\/p>\n<p>Where did the 10 mil\u00adlion fig\u00adure come from? &nbsp;Sen\u00ada\u00adtor Durbin appears to have added the num\u00adber of peo\u00adple who were report\u00aded to have select\u00aded plans in the exchanges through Feb\u00adru\u00adary 1 (<a title=\"Link to HHS report on exchange enrollment\" href=\"http:\/\/aspe.hhs.gov\/health\/reports\/2014\/MarketPlaceEnrollment\/Feb2014\/ib_2014feb_enrollment.pdf\" target=\"_blank\">3.3 mil\u00adlion<\/a>) to the num\u00adber of peo\u00adple who were deter\u00admined by state agen\u00adcies to be eli\u00adgi\u00adble for Med\u00adic\u00adaid over the last three months of 2013 (<a title=\"Link to CMS medicaid report\" href=\"http:\/\/www.medicaid.gov\/AffordableCareAct\/Medicaid-Moving-Forward-2014\/Downloads\/December-2013-Enrollment-Report.pdf\" target=\"_blank\">6.3 mil\u00adlion<\/a>), and then round\u00aded 9.6 mil\u00adlion up to an even 10 million.<\/p>\n<p>Sim\u00adple math that is sim\u00adply wrong. &nbsp;The topline num\u00adbers from those two gov\u00adern\u00adment reports are quite mis\u00adlead\u00ading. &nbsp;You have to dig through their details to ascer\u00adtain more accu\u00adrate num\u00adbers and con\u00adcede that pre\u00adcise esti\u00admates of how many peo\u00adple have gained cov\u00ader\u00adage through the law are sim\u00adply not possible.<\/p>\n<p>In this post, I will look at the most recent <span class=\"caps\">CMS<\/span> report on exchange enroll\u00adment, doing my best to hew as close\u00adly as pos\u00adsi\u00adble to the facts and min\u00adi\u00admize spec\u00adu\u00adla\u00adtion. &nbsp;In a sub\u00adse\u00adquent post, I will look at Med\u00adic\u00adaid enrollment.<\/p>\n<p>For those who hate charts and num\u00adbers, here are two key take\u00adaways, so you don\u2019t have to read&nbsp;on.<\/p>\n<ul>\n<li>3.3 mil\u00adlion peo\u00adple had select\u00aded plans through Feb\u00adru\u00adary 1, the most recent date for which com\u00adplete data are avail\u00adable; that num\u00adber eclipsed <a title=\"Link to HHS press release\" href=\"http:\/\/www.hhs.gov\/healthcare\/facts\/blog\/2014\/02\/marketplace-enrollment-hits-4-million.html\" target=\"_blank\">4 mil\u00adlion <\/a>late last month, although we have no infor\u00adma\u00adtion yet about those rough\u00adly 700,000 addi\u00adtion\u00adal people.<\/li>\n<li>That does&nbsp;<em><strong>not<\/strong><\/em><strong>&nbsp;<\/strong>mean that 4 mil\u00adlion&nbsp;<em><strong>unin\u00adsured<\/strong><\/em><strong>&nbsp;<\/strong>peo\u00adple now have obtained cov\u00ader\u00adage. &nbsp;The num\u00adber is almost cer\u00adtain\u00adly much low\u00ader than that \u2014 prob\u00ada\u00adbly in the range of 500,000 to 800,000 \u2014 although the <a title=\"Link to Washington Post article\" href=\"http:\/\/www.washingtonpost.com\/national\/health-science\/health-insurance-marketplaces-signing-up-few-uninsured-americans-surveys-say\/2014\/03\/06\/cdae3152-a54d-11e3-84d4-e59b1709222c_story.html\" target=\"_blank\">Admin\u00adis\u00adtra\u00adtion has\u00adn\u2019t col\u00adlect\u00aded ade\u00adquate data<\/a>&nbsp;to pro\u00advide a more pre\u00adcise estimate.<\/li>\n<\/ul>\n<p>If that is all of the num\u00adbers you care to think about, no need to read fur\u00adther. &nbsp;But if you want to know more, start with this chart, which you can click to enlarge.<\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/No-January-Surge.png\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"size-medium wp-image-2063 aligncenter\" alt=\"No January Surge\" src=\"https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/No-January-Surge.png?resize=300%2C225\" width=\"300\" height=\"225\" srcset=\"https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/No-January-Surge.png?resize=300%2C225&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/No-January-Surge.png?resize=1024%2C768&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/No-January-Surge.png?resize=399%2C300&amp;ssl=1 399w, https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/No-January-Surge.png?resize=900%2C675&amp;ssl=1 900w, https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/No-January-Surge.png?w=1502&amp;ssl=1 1502w, https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/No-January-Surge.png?w=1168 1168w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\"><\/a><\/p>\n<p style=\"text-align: left;\">The chart shows how many peo\u00adple \u201cselect\u00aded plans\u201d (which is dif\u00adfer\u00adent from actu\u00adal\u00adly buy\u00ading insur\u00adance, as I will explain lat\u00ader) through the exchanges in each of the first four months of open sea\u00adson, which began last Octo\u00adber 1. &nbsp;Per\u00adhaps the most strik\u00ading fea\u00adture is how bad\u00adly things were going last fall when the web\u00adsite was work\u00ading so poor\u00adly and how well things went in Decem\u00adber, when an esti\u00admat\u00aded 1.79 mil\u00adlion peo\u00adple select\u00aded plans. &nbsp;Near\u00adly 10 times as many peo\u00adple select\u00aded plans in the most recent two months (Decem\u00adber-Jan\u00adu\u00adary) than in the pre\u00advi\u00adous two months (Octo\u00adber-Novem\u00adber), a tes\u00adta\u00adment to the Admin\u00adis\u00adtra\u00adtion offi\u00adcials and gov\u00adern\u00adment con\u00adtrac\u00adtors who pulled the pro\u00adgram back from disaster.<\/p>\n<p style=\"text-align: left;\">A clos\u00ader look shows that enroll\u00adments aren\u2019t trend\u00ading in a favor\u00adable direc\u00adtion. &nbsp;Note that 1.15 mil\u00adlion select\u00aded a plan in Jan\u00adu\u00adary, a 36 per\u00adcent drop from the Decem\u00adber enroll\u00adment fig\u00adure. &nbsp;(The fact that total enroll\u00adments did\u00adn\u2019t reach 4 mil\u00adlion until late Feb\u00adru\u00adary sug\u00adgests that month\u00adly enroll\u00adments fell fur\u00adther last month, but that won\u2019t become clear until <span class=\"caps\">CMS<\/span> releas\u00ades more com\u00adplete Feb\u00adru\u00adary&nbsp;data.)<\/p>\n<p style=\"text-align: left;\">And it\u2019s actu\u00adal\u00adly worse than that. &nbsp;For rea\u00adsons that aren\u2019t entire\u00adly clear, <span class=\"caps\">CMS<\/span> stopped count\u00ading Decem\u00adber enroll\u00adments on Decem\u00adber 28, mean\u00ading that CMS\u2019s \u201cDecem\u00adber\u201d last\u00aded just four weeks. &nbsp;CMS\u2019s month of \u201cJan\u00adu\u00adary\u201d actu\u00adal\u00adly began on Decem\u00adber 29 and end\u00aded Feb\u00adru\u00adary 1. &nbsp;So it is com\u00adpar\u00ading a five-week \u201cJan\u00adu\u00adary\u201d with a four-week \u201cDecem\u00adber\u201d and still show\u00ading a 36 per\u00adcent decline in enrollments.<\/p>\n<p style=\"text-align: left;\">Chances are, peo\u00adple whose poli\u00adcies had been can\u00adceled were scram\u00adbling to sign up for cov\u00ader\u00adage before the end of the year and that lots of activ\u00adi\u00adty occurred dur\u00ading those last 3 days of Decem\u00adber. &nbsp;If we com\u00adpared 31-day months, I sus\u00adpect that more than 2 mil\u00adlion peo\u00adple enrolled dur\u00ading Decem\u00adber and few\u00ader than 1 mil\u00adlion select\u00aded plans in Jan\u00adu\u00adary and that the actu\u00adal enroll\u00adment drop was more than 50 percent.<\/p>\n<p style=\"text-align: left;\">In any event, there was no enroll\u00adment \u201csurge\u201d in Jan\u00adu\u00adary, though that is how the press gen\u00ader\u00adal\u00adly report\u00aded it, and pre\u00adlim\u00adi\u00adnary indi\u00adca\u00adtions are that there was none in Feb\u00adru\u00adary either. &nbsp;That\u2019s some\u00adwhat trou\u00adbling, although it\u2019s rea\u00adson\u00adable to expect that the March 31 dead\u00adline for open sea\u00adson enroll\u00adment will make March a very big&nbsp;month.<\/p>\n<p style=\"text-align: left;\">The next chart exam\u00adines the ages of peo\u00adple who have select\u00aded plans through the exchanges.<\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Skewing-Old.png\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"size-medium wp-image-2067 aligncenter\" alt=\"Skewing Old\" src=\"https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Skewing-Old.png?resize=300%2C225\" width=\"300\" height=\"225\" srcset=\"https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Skewing-Old.png?resize=300%2C225&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Skewing-Old.png?resize=1024%2C768&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Skewing-Old.png?resize=399%2C300&amp;ssl=1 399w, https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Skewing-Old.png?resize=900%2C675&amp;ssl=1 900w, https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Skewing-Old.png?w=1502&amp;ssl=1 1502w, https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Skewing-Old.png?w=1168 1168w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\"><\/a><\/p>\n<p style=\"text-align: left;\">The chart shows enroll\u00adment by age group, with the blue bars rep\u00adre\u00adsent\u00ading enroll\u00adment through Decem\u00adber 28 and the red bars rep\u00adre\u00adsent\u00ading enroll\u00adment through Feb\u00adru\u00adary 1. &nbsp;Over\u00adall, the num\u00adbers are not very encour\u00adag\u00ading. &nbsp;The largest group of enrollees (30.7 per\u00adcent as of Feb\u00adru\u00adary 1) is 55\u201364 year-olds, and more than half (53 per\u00adcent) are 45 years of age or old\u00ader. &nbsp;Peo\u00adple over 45 out\u00adnum\u00adber those aged 18\u201334 by more than two to&nbsp;one.<\/p>\n<p style=\"text-align: left;\">It\u2019s true that the per\u00adcent\u00adage of peo\u00adple in the 18\u201325 and 26\u201334 age brack\u00adets inched up by a frac\u00adtion of a per\u00adcent between Decem\u00adber 28 and Feb\u00adru\u00adary 1 and that the per\u00adcent\u00adage of enrollees over 55 has fall\u00aden (to 30.7 per\u00adcent from 32.8 per\u00adcent). &nbsp;But it\u2019s still rather an old bunch and it will take quite a surge of young and healthy peo\u00adple sign\u00ading up this month to make any real change in&nbsp;this.<\/p>\n<p style=\"text-align: left;\">That\u2019s bad news for insur\u00aders, since it makes it more like\u00adly that the pre\u00admi\u00adums they\u2019ll col\u00adlect won\u2019t cov\u00ader their costs. &nbsp;The good news for insur\u00aders is this: the Admin\u00adis\u00adtra\u00adtion has promised them bil\u00adlions in cor\u00adpo\u00adrate wel\u00adfare pay\u00adments to ease their pain, some\u00adthing I\u2019ll quan\u00adti\u00adfy lat\u00ader in the&nbsp;post.<\/p>\n<p style=\"text-align: left;\">The next chart shows anoth\u00ader puz\u00adzling trend: most peo\u00adple who shopped for a plan in the exchange decid\u00aded not to enroll.<\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Most-Didnt-Enroll.png\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"size-medium wp-image-2071 aligncenter\" alt=\"Most Didnt Enroll\" src=\"https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Most-Didnt-Enroll-300x225.png?resize=300%2C225\" width=\"300\" height=\"225\" srcset=\"https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Most-Didnt-Enroll.png?resize=300%2C225&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Most-Didnt-Enroll.png?resize=1024%2C768&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Most-Didnt-Enroll.png?resize=399%2C300&amp;ssl=1 399w, https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Most-Didnt-Enroll.png?resize=900%2C675&amp;ssl=1 900w, https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Most-Didnt-Enroll.png?w=1502&amp;ssl=1 1502w, https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Most-Didnt-Enroll.png?w=1168 1168w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\"><\/a><\/p>\n<p style=\"text-align: left;\">This chart shows that 7.3 mil\u00adlion peo\u00adple com\u00adplet\u00aded the enroll\u00adment process, pro\u00advid\u00ading a slew of per\u00adson\u00adal infor\u00adma\u00adtion, includ\u00ading data about their finances, and were deter\u00admined eli\u00adgi\u00adble to enroll in a plan. &nbsp;That\u2019s not a par\u00adtic\u00adu\u00adlar\u00adly quick or easy process. &nbsp;And yet of 7.3 mil\u00adlion who slogged through the process and could have tak\u00aden the final step of select\u00ading a plan, only 3.3 mil\u00adlion did&nbsp;so.<\/p>\n<p style=\"text-align: left;\">While there has been lots of media atten\u00adtion to the 3.3 mil\u00adlion peo\u00adple who did select a plan, there\u2019s been almost noth\u00ading writ\u00adten about the 4 mil\u00adlion who did not. &nbsp;The fol\u00adlow\u00ading chart takes a clos\u00ader&nbsp;look.<\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Few-Have-Enrolled-Without-Subsidies.jpg\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"size-medium wp-image-2074 aligncenter\" alt=\"Few Have Enrolled Without Subsidies\" src=\"https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Few-Have-Enrolled-Without-Subsidies.jpg?resize=300%2C225\" width=\"300\" height=\"225\" srcset=\"https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Few-Have-Enrolled-Without-Subsidies.jpg?resize=300%2C225&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Few-Have-Enrolled-Without-Subsidies.jpg?resize=400%2C300&amp;ssl=1 400w, https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Few-Have-Enrolled-Without-Subsidies.jpg?resize=900%2C675&amp;ssl=1 900w, https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Few-Have-Enrolled-Without-Subsidies.jpg?w=960&amp;ssl=1 960w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\"><\/a><\/p>\n<p style=\"text-align: left;\">The bar chart on the left shows that 4.2 mil\u00adlion of the 7.3 mil\u00adlion that were eli\u00adgi\u00adble to enroll in cov\u00ader\u00adage through the exchanges qual\u00adi\u00adfied for a sub\u00adsidy. &nbsp;Of those, 2.6 mil\u00adlion \u2014 around 62 per\u00adcent \u2014 select\u00aded a plan. Not&nbsp;bad.<\/p>\n<p style=\"text-align: left;\">But now look at the bar chart on the right. &nbsp;Of the 3.1 mil\u00adlion who were eli\u00adgi\u00adble to enroll but did not qual\u00adi\u00adfy for sub\u00adsi\u00addies, few\u00ader than 600,000 select\u00aded a plan. &nbsp;More than 4 out of 5 peo\u00adple who were told they had to pay full price for cov\u00ader\u00adage said no thanks. &nbsp;That\u2019s a bit trou\u00adbling and actu\u00adal\u00adly a lit\u00adtle puz\u00adzling, since plans are using very tight provider net\u00adworks and high deductibles to keep pre\u00admi\u00adums about <a title=\"Link to CBO report (see p. 114)\" href=\"http:\/\/www.cbo.gov\/sites\/default\/files\/cbofiles\/attachments\/45010-Outlook2014_Feb.pdf\" target=\"_blank\">15 per\u00adcent low\u00ader<\/a> than <span class=\"caps\">CBO<\/span> expect\u00aded. &nbsp;But even these pre\u00admi\u00adums are high\u00ader than peo\u00adple who don\u2019t get sub\u00adsi\u00addies are will\u00ading to&nbsp;pay.<\/p>\n<p style=\"text-align: left;\">One result of this con\u00adsumer aver\u00adsion to pay full price for Oba\u00admacare cov\u00ader\u00adage is that 82 per\u00adcent of those that have select\u00aded a plan qual\u00adi\u00adfy for sub\u00adsi\u00addies. &nbsp;That fig\u00adure has been wide\u00adly report\u00aded though one of its major caus\u00ades is poor\u00adly under\u00adstood: the over\u00adwhelm\u00ading major\u00adi\u00adty of enrollees will get sub\u00adsi\u00addies because so few con\u00adsumers will buy insur\u00adance with\u00adout&nbsp;them.<\/p>\n<p style=\"text-align: left;\">This next chart pro\u00advides an esti\u00admate of how many of the 3.3 mil\u00adlion who had select\u00aded a plan as of Feb\u00adru\u00adary 1 actu\u00adal\u00adly have insur\u00adance coverage.<\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Many-Who-Selected-still-uninsured.png\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"size-medium wp-image-2081 aligncenter\" alt=\"Many Who Selected still uninsured\" src=\"https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Many-Who-Selected-still-uninsured.png?resize=300%2C225\" width=\"300\" height=\"225\" srcset=\"https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Many-Who-Selected-still-uninsured.png?resize=300%2C225&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Many-Who-Selected-still-uninsured.png?resize=1024%2C768&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Many-Who-Selected-still-uninsured.png?resize=399%2C300&amp;ssl=1 399w, https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Many-Who-Selected-still-uninsured.png?resize=900%2C675&amp;ssl=1 900w, https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Many-Who-Selected-still-uninsured.png?w=1502&amp;ssl=1 1502w, https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Many-Who-Selected-still-uninsured.png?w=1168 1168w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\"><\/a><\/p>\n<p style=\"text-align: left;\">This cas\u00adcade chart shows the num\u00adber of peo\u00adple who were eli\u00adgi\u00adble to enroll (7.3 mil\u00adlion), the num\u00adber who select\u00aded a plan (3.3 mil\u00adlion) and the&nbsp;<em>esti\u00admat\u00aded&nbsp;<\/em>num\u00adber of peo\u00adple who paid their first pre\u00admi\u00adum and who, con\u00adse\u00adquent\u00adly, are&nbsp;<em>actu\u00adal\u00adly insured&nbsp;<\/em>(2.6 mil\u00adlion). &nbsp;That last num\u00adber is based on indus\u00adtry esti\u00admates and sur\u00advey data sug\u00adgest\u00ading that&nbsp;<a title=\"Link to NYT article\" href=\"http:\/\/www.nytimes.com\/2014\/02\/14\/us\/politics\/one-in-5-buyers-of-insurance-under-new-law-did-not-pay-premiums-on-time.html?action=click&amp;module=Search&amp;region=searchResults%230&amp;version=&amp;url=http%3A%2F%2Fquery.nytimes.com%2Fsearch%2Fsitesearch%2F%23%2Frobert%2520pear%2F&amp;_r=1\" target=\"_blank\">1 in 5 peo\u00adple<\/a> who select\u00aded a plan nev\u00ader did pay their first premium.<\/p>\n<p style=\"text-align: left;\">But even that does not mean that 2.6 mil\u00adlion peo\u00adple were&nbsp;<em>new\u00adly insured<\/em>. The McK\u00adin\u00adsey con\u00adsul\u00adtan\u00adcy this week report\u00aded, based on its own sur\u00advey data, that only <a title=\"Link to McKinsey report\" href=\"http:\/\/apps.washingtonpost.com\/g\/page\/national\/individual-market-enrollment\/860\/\" target=\"_blank\">27 per\u00adcent<\/a> of those who had enrolled in cov\u00ader\u00adage as of Feb\u00adru\u00adary 13 were pre\u00advi\u00adous\u00adly unin\u00adsured (that\u2019s up from 11 per\u00adcent in a pre\u00advi\u00adous McK\u00adin\u00adsey sur\u00advey). &nbsp;It also found that only 53 per\u00adcent of pre\u00advi\u00adous\u00adly unin\u00adsured peo\u00adple who select\u00aded a plan actu\u00adal\u00adly paid their first pre\u00admi\u00adum, com\u00adpared with 86 per\u00adcent of those who had cov\u00ader\u00adage before. So only 27 per\u00adcent of enrollees were pre\u00advi\u00adous\u00adly unin\u00adsured and near\u00adly half of them are still unin\u00adsured because they did\u00adn\u2019t pay their first premium.<\/p>\n<p style=\"text-align: left;\">Piec\u00ading togeth\u00ader these sur\u00advey results with the <span class=\"caps\">CMS<\/span> data, it seems rea\u00adson\u00adable to esti\u00admate that some\u00adthing in the range of 500,000 to 800,000 pre\u00advi\u00adous\u00adly unin\u00adsured peo\u00adple have so far obtained cov\u00ader\u00adage through the exchanges.<\/p>\n<p style=\"text-align: left;\">That num\u00adber is noth\u00ading more than an edu\u00adcat\u00aded guess, of course. More\u00adover, it rep\u00adre\u00adsents a snap\u00adshot. &nbsp;With the enroll\u00adment dead\u00adline less than four weeks away, it is pos\u00adsi\u00adble that a wave of young, healthy and unin\u00adsured peo\u00adple are flock\u00ading to healthcare.gov to obtain cov\u00ader\u00adage to avoid the new fed\u00ader\u00adal tax penal\u00adty on the unin\u00adsured. &nbsp;We may well be look\u00ading at a very dif\u00adfer\u00adent enroll\u00adment pic\u00adture when the final open sea\u00adson fig\u00adures become avail\u00adable next&nbsp;month.<\/p>\n<p style=\"text-align: left;\">But what if it does\u00adn\u2019t turn out that way? &nbsp;What if insur\u00aders end up with a pool of sub\u00adscribers who are old\u00ader, sick\u00ader and few\u00ader in num\u00adber than they\u2019d expect\u00aded? &nbsp;Does that mean that they will seek exor\u00adbi\u00adtant pre\u00admi\u00adum increas\u00ades or stopped sell\u00ading through the exchanges entirely?<\/p>\n<p style=\"text-align: left;\">Per\u00adhaps. &nbsp;But I don\u2019t think so. &nbsp;Insur\u00aders sell\u00ading through the exchanges do not have to rely exclu\u00adsive\u00adly on the pre\u00admi\u00adums they col\u00adlect to cov\u00ader their costs. &nbsp;They also can count on <a title=\"Link to my recent House testimony\" href=\"http:\/\/oversight.house.gov\/wp-content\/uploads\/2014\/02\/Badger-Statement-ObamaCare-Insurance-COMPLETE.pdf\" target=\"_blank\">bil\u00adlions in direct pay\u00adments<\/a> from the fed\u00ader\u00adal gov\u00adern\u00adment designed to relieve them of most of the bur\u00adden of cost\u00adly claims and to allow them to turn prof\u00adits even if their rev\u00adenues fall short of projections.<\/p>\n<p style=\"text-align: left;\">The gov\u00adern\u00adment released fig\u00adures this week that quan\u00adti\u00adfies the so-called \u201cpre\u00admi\u00adum sta\u00adbi\u00adliza\u00adtion\u201d pay\u00adments that the gov\u00adern\u00adment expects to make direct\u00adly to insur\u00aders. &nbsp;The Pres\u00adi\u00adden\u00adt\u2019s <span class=\"caps\">FY<\/span> 2015 bud\u00adget esti\u00admates that the gov\u00adern\u00adment will pay insur\u00adance com\u00adpa\u00adnies near\u00adly $15.5 bil\u00adlion for the cur\u00adrent plan year, including:<\/p>\n<ul>\n<li><a title=\"HHS Budget, see p. 93\" href=\"http:\/\/www.hhs.gov\/budget\/fy2015\/fy-2015-budget-in-brief.pdf\" target=\"_blank\">$10.02 bil\u00adlion<\/a> in \u201crein\u00adsur\u00adance\u201d pay\u00adments, in which the gov\u00adern\u00adment will pay 80 per\u00adcent of the cost of claims in excess of $45,000; and<\/li>\n<li><a title=\"HHS Budget, see p. 102\" href=\"http:\/\/www.hhs.gov\/budget\/fy2015\/fy-2015-budget-in-brief.pdf\" target=\"_blank\">$5.45 bil\u00adlion<\/a> in \u201crisk cor\u00adri\u00addor\u201d pay\u00adments to com\u00adpen\u00adsate insur\u00aders whose actu\u00adal costs exceed their pro\u00adject\u00aded costs by more than 3 percent.<\/li>\n<\/ul>\n<p>This is an enor\u00admous amount of mon\u00adey that is in addi\u00adtion to rev\u00adenues from pre\u00admi\u00adums which, of course, also are sub\u00adsi\u00addized by the gov\u00adern\u00adment. &nbsp;Here is a chart that com\u00adpares gov\u00adern\u00adment sub\u00adsi\u00addies to indi\u00advid\u00adu\u00adals with gov\u00adern\u00adment sub\u00adsi\u00addies for the cur\u00adrent plan year that will be paid direct\u00adly to insur\u00adance companies.<\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Subsidies-to-Individuals-and-Insurers.png\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"size-medium wp-image-2092 aligncenter\" alt=\"Subsidies to Individuals and Insurers\" src=\"https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Subsidies-to-Individuals-and-Insurers.png?resize=300%2C225\" width=\"300\" height=\"225\" srcset=\"https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Subsidies-to-Individuals-and-Insurers.png?resize=300%2C225&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Subsidies-to-Individuals-and-Insurers.png?resize=1024%2C768&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Subsidies-to-Individuals-and-Insurers.png?resize=399%2C300&amp;ssl=1 399w, https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Subsidies-to-Individuals-and-Insurers.png?resize=900%2C675&amp;ssl=1 900w, https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Subsidies-to-Individuals-and-Insurers.png?w=1502&amp;ssl=1 1502w, https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/Subsidies-to-Individuals-and-Insurers.png?w=1168 1168w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\"><\/a><\/p>\n<p><a title=\"CBO budget projection, see p. 109\" href=\"http:\/\/www.cbo.gov\/sites\/default\/files\/cbofiles\/attachments\/45010-Outlook2014_Feb.pdf\" target=\"_blank\"><span class=\"caps\">CBO<\/span><\/a> esti\u00admates that sub\u00adsi\u00addies to indi\u00advid\u00adu\u00adals for pre\u00admi\u00adums will cost the gov\u00adern\u00adment $13 bil\u00adlion this year and that cost-shar\u00ading sub\u00adsi\u00addies \u2014 pay\u00adments that reduce out-of-pock\u00adet pay\u00adments by low-income enrollees for med\u00adical goods and ser\u00advices \u2014 will cost an addi\u00adtion\u00adal $3 bil\u00adlion, for a total of around $16 bil\u00adlion. &nbsp;That\u2019s only slight\u00adly more than the near\u00adly $15.5 bil\u00adlion that insur\u00aders can expect in direct pay\u00adments from the government.<\/p>\n<p>The gov\u00adern\u00adment will pro\u00advide almost as much mon\u00adey to cor\u00adpo\u00adra\u00adtions that sell insur\u00adance as to indi\u00advid\u00adu\u00adals who buy&nbsp;it.<\/p>\n<p>The Admin\u00adis\u00adtra\u00adtion notes that it is extract\u00ading the $10 bil\u00adlion in \u201crein\u00adsur\u00adance\u201d pay\u00adments from peo\u00adple in group health plans. &nbsp;That is true. If you have employ\u00ader-spon\u00adsored cov\u00ader\u00adage, the <span class=\"caps\">IRS<\/span> is tak\u00ading mon\u00adey from your plan and <span class=\"caps\">HHS<\/span> is dis\u00adtrib\u00adut\u00ading that mon\u00adey to insur\u00aders that sell through the exchanges. &nbsp;It is, in effect, a spe\u00adcial tax tar\u00adget\u00aded on peo\u00adple who obtain insur\u00adance through their employ\u00aders to ben\u00ade\u00adfit com\u00adpa\u00adnies that sell through the exchanges.<\/p>\n<p>They also argue that the the gov\u00adern\u00adment will recov\u00ader the entire $5.45 bil\u00adlion in \u201crisk cor\u00adri\u00addor\u201d out\u00adlays, a prospect that even the Kaiser Fam\u00adi\u00adly Foun\u00adda\u00adtion\u2019s Lar\u00adry Levitt <a title=\"Link to Business Week story\" href=\"http:\/\/www.businessweek.com\/articles\/2014-03-06\/the-white-house-promises-there-will-be-no-obamacare-bailout#r=rss\" target=\"_blank\">finds dubi\u00adous<\/a>. &nbsp;At best, those out\u00adlays will net to some\u00adthing less than $5.45 bil\u00adlion but still con\u00adsti\u00adtute a con\u00adsid\u00ader\u00adable subsidy.<\/p>\n<p>And that is why enroll\u00adment fig\u00adures, how\u00adev\u00ader they turn out this year and in the future, are less impor\u00adtant than many have assumed. &nbsp;In a nor\u00admal mar\u00adket, pre\u00admi\u00adums must exceed an insur\u00ader\u2019s costs, which requires an insur\u00adance pool broad enough to be finan\u00adcial\u00adly viable. &nbsp;The exchanges are not nor\u00admal mar\u00adkets, but gov\u00adern\u00adment con\u00adtrivances that dis\u00adtort mar\u00adket dynam\u00adics beyond recog\u00adni\u00adtion. As a result, the crit\u00adi\u00adcal deter\u00admi\u00adnant of exchange via\u00adbil\u00adi\u00adty is not the num\u00adber and health of enrollees. &nbsp;Finan\u00adcial sus\u00adtain\u00adabil\u00adi\u00adty is rather deter\u00admined by the com\u00adbi\u00adna\u00adtion of pre\u00admi\u00adum rev\u00adenue and cor\u00adpo\u00adrate wel\u00adfare pay\u00adments. &nbsp;Those pay\u00adments should be suf\u00adfi\u00adcient to keep future pre\u00admi\u00adum increas\u00ades tol\u00ader\u00ada\u00adble and insur\u00aders prof\u00aditable regard\u00adless of how many peo\u00adple obtain cov\u00ader\u00adage and how healthy they&nbsp;are.<\/p>\n<p>A com\u00adfort\u00ading thought for insur\u00aders; less so for taxpayers.<\/p>\n","protected":false},"excerpt":{"rendered":"<p><span class=\"dquo\">\u201c<\/span>Let\u2019s look at the bot\u00adtom line.&nbsp;The bot\u00adtom line is this: 10 mil\u00adlion Amer\u00adi\u00adcans have health insur\u00adance today who would not have had it with\u00adout the Afford\u00adable Care Act. Ten mil\u00adlion.\u201d &nbsp;\u2014 Sen. Richard Durbin (D\u2011<span class=\"caps\">IL<\/span>) Oba\u00admacare crit\u00adics have tak\u00aden con\u00adsid\u00ader\u00adable \u2026 <a href=\"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/\">Con\u00adtin\u00adue read\u00ading <span class=\"meta-nav\">\u2192<\/span><\/a><\/p>\n","protected":false},"author":3,"featured_media":2095,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","wp_typography_post_enhancements_disabled":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"nfd_image_url":"","nfd_onboarding_generated":"","footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[16,124],"tags":[648,854,401,1188,665,716,714,59],"class_list":["post-2061","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-care","category-obamacare","tag-corporate-welfare","tag-exchange-enrollment","tag-exchanges","tag-obamacare","tag-obamacare-website","tag-reinsurance","tag-risk-corridors","tag-uninsured"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.4 - aioseo.com -->\n\t<meta name=\"description\" content=\"&quot;Let&#039;s look at the bottom line. The bottom line is this: 10 million Americans have health insurance today who would not have had it without the Affordable Care Act. Ten million.\u201d -- Sen. Richard Durbin (D-IL) Obamacare critics have taken considerable pleasure in pointing out the law&#039;s shortcomings -- canceled policies, higher premiums and cost-sharing, narrow\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"Doug Badger\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/\" \/>\n\t\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 5.0.4\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Doug&#039;s Brief Case - A brief case for my way of thinking.\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"Obamacare By The Numbers: Exchange Enrollment - Doug&#039;s Brief Case\" \/>\n\t\t<meta property=\"og:description\" content=\"&quot;Let&#039;s look at the bottom line. The bottom line is this: 10 million Americans have health insurance today who would not have had it without the Affordable Care Act. Ten million.\u201d -- Sen. Richard Durbin (D-IL) Obamacare critics have taken considerable pleasure in pointing out the law&#039;s shortcomings -- canceled policies, higher premiums and cost-sharing, narrow\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2014-03-07T17:10:58+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2014-03-07T17:07:21+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n\t\t<meta name=\"twitter:title\" content=\"Obamacare By The Numbers: Exchange Enrollment - Doug&#039;s Brief Case\" \/>\n\t\t<meta name=\"twitter:description\" content=\"&quot;Let&#039;s look at the bottom line. The bottom line is this: 10 million Americans have health insurance today who would not have had it without the Affordable Care Act. Ten million.\u201d -- Sen. Richard Durbin (D-IL) Obamacare critics have taken considerable pleasure in pointing out the law&#039;s shortcomings -- canceled policies, higher premiums and cost-sharing, narrow\" \/>\n\t\t<script type=\"application\/ld+json\" class=\"aioseo-schema\">\n\t\t\t{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"BlogPosting\",\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/obamacare-numbers-exchange-enrollment\\\/#blogposting\",\"name\":\"Obamacare By The Numbers: Exchange Enrollment - Doug's Brief Case\",\"headline\":\"Obamacare By The Numbers: Exchange Enrollment\",\"author\":{\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/author\\\/doug-badger\\\/#author\"},\"publisher\":{\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/#organization\"},\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/i0.wp.com\\\/www.dougsbriefcase.com\\\/blog\\\/wp-content\\\/uploads\\\/2014\\\/03\\\/CreditAP.gif?fit=1151%2C863&ssl=1\",\"width\":1151,\"height\":863,\"caption\":\"Some Obamacare supporters claim that 10 million uninsured Americans have so far gained coverage thanks to the new law. Are they right? (Credit: AP)\"},\"datePublished\":\"2014-03-07T12:10:58-05:00\",\"dateModified\":\"2014-03-07T12:07:21-05:00\",\"inLanguage\":\"en-US\",\"commentCount\":3,\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/obamacare-numbers-exchange-enrollment\\\/#webpage\"},\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/obamacare-numbers-exchange-enrollment\\\/#webpage\"},\"articleSection\":\"Health Care, Obamacare, corporate welfare, exchange enrollment, exchanges, Obamacare, obamacare website, reinsurance, risk corridors, Uninsured\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/obamacare-numbers-exchange-enrollment\\\/#breadcrumblist\",\"itemListElement\":[{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/#listItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/category\\\/health-care\\\/#listItem\",\"name\":\"Health Care\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/category\\\/health-care\\\/#listItem\",\"position\":2,\"name\":\"Health Care\",\"item\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/category\\\/health-care\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/obamacare-numbers-exchange-enrollment\\\/#listItem\",\"name\":\"Obamacare By The Numbers: Exchange Enrollment\"},\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/#listItem\",\"name\":\"Home\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/obamacare-numbers-exchange-enrollment\\\/#listItem\",\"position\":3,\"name\":\"Obamacare By The Numbers: Exchange Enrollment\",\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/category\\\/health-care\\\/#listItem\",\"name\":\"Health Care\"}}]},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/#organization\",\"name\":\"Doug's Brief Case\",\"description\":\"A brief case for my way of thinking.\",\"url\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/author\\\/doug-badger\\\/#author\",\"url\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/author\\\/doug-badger\\\/\",\"name\":\"Doug Badger\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/obamacare-numbers-exchange-enrollment\\\/#authorImage\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/273284d4adc47ef6bfcc840b7cc5c0ec34283ada93641cc141a0678ed2eb028c?s=96&r=g\",\"width\":96,\"height\":96,\"caption\":\"Doug Badger\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/obamacare-numbers-exchange-enrollment\\\/#webpage\",\"url\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/obamacare-numbers-exchange-enrollment\\\/\",\"name\":\"Obamacare By The Numbers: Exchange Enrollment - Doug's Brief Case\",\"description\":\"\\\"Let's look at the bottom line. The bottom line is this: 10 million Americans have health insurance today who would not have had it without the Affordable Care Act. Ten million.\\u201d -- Sen. Richard Durbin (D-IL) Obamacare critics have taken considerable pleasure in pointing out the law's shortcomings -- canceled policies, higher premiums and cost-sharing, narrow\",\"inLanguage\":\"en-US\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/#website\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/obamacare-numbers-exchange-enrollment\\\/#breadcrumblist\"},\"author\":{\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/author\\\/doug-badger\\\/#author\"},\"creator\":{\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/author\\\/doug-badger\\\/#author\"},\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/i0.wp.com\\\/www.dougsbriefcase.com\\\/blog\\\/wp-content\\\/uploads\\\/2014\\\/03\\\/CreditAP.gif?fit=1151%2C863&ssl=1\",\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/obamacare-numbers-exchange-enrollment\\\/#mainImage\",\"width\":1151,\"height\":863,\"caption\":\"Some Obamacare supporters claim that 10 million uninsured Americans have so far gained coverage thanks to the new law. Are they right? (Credit: AP)\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/obamacare-numbers-exchange-enrollment\\\/#mainImage\"},\"datePublished\":\"2014-03-07T12:10:58-05:00\",\"dateModified\":\"2014-03-07T12:07:21-05:00\"},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/\",\"name\":\"Doug's Brief Case\",\"description\":\"A brief case for my way of thinking.\",\"inLanguage\":\"en-US\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/#organization\"}}]}\n\t\t<\/script>\n\t\t<!-- All in One SEO -->\n\n","aioseo_head_json":{"title":"Obamacare By The Numbers: Exchange Enrollment - Doug's Brief Case","description":"\"Let's look at the bottom line. The bottom line is this: 10 million Americans have health insurance today who would not have had it without the Affordable Care Act. Ten million.\u201d -- Sen. Richard Durbin (D-IL) Obamacare critics have taken considerable pleasure in pointing out the law's shortcomings -- canceled policies, higher premiums and cost-sharing, narrow","canonical_url":"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/","robots":"max-image-preview:large","keywords":"","webmasterTools":{"miscellaneous":""},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BlogPosting","@id":"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/#blogposting","name":"Obamacare By The Numbers: Exchange Enrollment - Doug's Brief Case","headline":"Obamacare By The Numbers: Exchange Enrollment","author":{"@id":"https:\/\/www.dougsbriefcase.com\/blog\/author\/doug-badger\/#author"},"publisher":{"@id":"https:\/\/www.dougsbriefcase.com\/blog\/#organization"},"image":{"@type":"ImageObject","url":"https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/CreditAP.gif?fit=1151%2C863&ssl=1","width":1151,"height":863,"caption":"Some Obamacare supporters claim that 10 million uninsured Americans have so far gained coverage thanks to the new law. Are they right? (Credit: AP)"},"datePublished":"2014-03-07T12:10:58-05:00","dateModified":"2014-03-07T12:07:21-05:00","inLanguage":"en-US","commentCount":3,"mainEntityOfPage":{"@id":"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/#webpage"},"isPartOf":{"@id":"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/#webpage"},"articleSection":"Health Care, Obamacare, corporate welfare, exchange enrollment, exchanges, Obamacare, obamacare website, reinsurance, risk corridors, Uninsured"},{"@type":"BreadcrumbList","@id":"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/#breadcrumblist","itemListElement":[{"@type":"ListItem","@id":"https:\/\/www.dougsbriefcase.com\/blog\/#listItem","position":1,"name":"Home","item":"https:\/\/www.dougsbriefcase.com\/blog\/","nextItem":{"@type":"ListItem","@id":"https:\/\/www.dougsbriefcase.com\/blog\/category\/health-care\/#listItem","name":"Health Care"}},{"@type":"ListItem","@id":"https:\/\/www.dougsbriefcase.com\/blog\/category\/health-care\/#listItem","position":2,"name":"Health Care","item":"https:\/\/www.dougsbriefcase.com\/blog\/category\/health-care\/","nextItem":{"@type":"ListItem","@id":"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/#listItem","name":"Obamacare By The Numbers: Exchange Enrollment"},"previousItem":{"@type":"ListItem","@id":"https:\/\/www.dougsbriefcase.com\/blog\/#listItem","name":"Home"}},{"@type":"ListItem","@id":"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/#listItem","position":3,"name":"Obamacare By The Numbers: Exchange Enrollment","previousItem":{"@type":"ListItem","@id":"https:\/\/www.dougsbriefcase.com\/blog\/category\/health-care\/#listItem","name":"Health Care"}}]},{"@type":"Organization","@id":"https:\/\/www.dougsbriefcase.com\/blog\/#organization","name":"Doug's Brief Case","description":"A brief case for my way of thinking.","url":"https:\/\/www.dougsbriefcase.com\/blog\/"},{"@type":"Person","@id":"https:\/\/www.dougsbriefcase.com\/blog\/author\/doug-badger\/#author","url":"https:\/\/www.dougsbriefcase.com\/blog\/author\/doug-badger\/","name":"Doug Badger","image":{"@type":"ImageObject","@id":"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/#authorImage","url":"https:\/\/secure.gravatar.com\/avatar\/273284d4adc47ef6bfcc840b7cc5c0ec34283ada93641cc141a0678ed2eb028c?s=96&r=g","width":96,"height":96,"caption":"Doug Badger"}},{"@type":"WebPage","@id":"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/#webpage","url":"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/","name":"Obamacare By The Numbers: Exchange Enrollment - Doug's Brief Case","description":"\"Let's look at the bottom line. The bottom line is this: 10 million Americans have health insurance today who would not have had it without the Affordable Care Act. Ten million.\u201d -- Sen. Richard Durbin (D-IL) Obamacare critics have taken considerable pleasure in pointing out the law's shortcomings -- canceled policies, higher premiums and cost-sharing, narrow","inLanguage":"en-US","isPartOf":{"@id":"https:\/\/www.dougsbriefcase.com\/blog\/#website"},"breadcrumb":{"@id":"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/#breadcrumblist"},"author":{"@id":"https:\/\/www.dougsbriefcase.com\/blog\/author\/doug-badger\/#author"},"creator":{"@id":"https:\/\/www.dougsbriefcase.com\/blog\/author\/doug-badger\/#author"},"image":{"@type":"ImageObject","url":"https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/CreditAP.gif?fit=1151%2C863&ssl=1","@id":"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/#mainImage","width":1151,"height":863,"caption":"Some Obamacare supporters claim that 10 million uninsured Americans have so far gained coverage thanks to the new law. Are they right? (Credit: AP)"},"primaryImageOfPage":{"@id":"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/#mainImage"},"datePublished":"2014-03-07T12:10:58-05:00","dateModified":"2014-03-07T12:07:21-05:00"},{"@type":"WebSite","@id":"https:\/\/www.dougsbriefcase.com\/blog\/#website","url":"https:\/\/www.dougsbriefcase.com\/blog\/","name":"Doug's Brief Case","description":"A brief case for my way of thinking.","inLanguage":"en-US","publisher":{"@id":"https:\/\/www.dougsbriefcase.com\/blog\/#organization"}}]},"og:locale":"en_US","og:site_name":"Doug's Brief Case - A brief case for my way of thinking.","og:type":"article","og:title":"Obamacare By The Numbers: Exchange Enrollment - Doug's Brief Case","og:description":"&quot;Let's look at the bottom line. The bottom line is this: 10 million Americans have health insurance today who would not have had it without the Affordable Care Act. Ten million.\u201d -- Sen. Richard Durbin (D-IL) Obamacare critics have taken considerable pleasure in pointing out the law's shortcomings -- canceled policies, higher premiums and cost-sharing, narrow","og:url":"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/","article:published_time":"2014-03-07T17:10:58+00:00","article:modified_time":"2014-03-07T17:07:21+00:00","twitter:card":"summary_large_image","twitter:title":"Obamacare By The Numbers: Exchange Enrollment - Doug's Brief Case","twitter:description":"&quot;Let's look at the bottom line. The bottom line is this: 10 million Americans have health insurance today who would not have had it without the Affordable Care Act. Ten million.\u201d -- Sen. Richard Durbin (D-IL) Obamacare critics have taken considerable pleasure in pointing out the law's shortcomings -- canceled policies, higher premiums and cost-sharing, narrow"},"aioseo_meta_data":{"post_id":"2061","title":null,"description":null,"keywords":null,"keyphrases":null,"primary_term":null,"canonical_url":null,"og_title":null,"og_description":null,"og_object_type":"default","og_image_type":"default","og_image_url":null,"og_image_width":null,"og_image_height":null,"og_image_custom_url":null,"og_image_custom_fields":null,"og_video":null,"og_custom_url":null,"og_article_section":null,"og_article_tags":null,"twitter_use_og":false,"twitter_card":"default","twitter_image_type":"default","twitter_image_url":null,"twitter_image_custom_url":null,"twitter_image_custom_fields":null,"twitter_title":null,"twitter_description":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"BlogPosting","isEnabled":true},"graphs":[]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":null,"robots_max_videopreview":null,"robots_max_imagepreview":"large","priority":null,"frequency":null,"local_seo":null,"limit_modified_date":false,"created":"2026-10-30 03:43:31","updated":"2026-10-30 03:43:31","focus_keyword":null,"additional_keywords":null,"truseo_locale":null,"ai":null,"breadcrumb_settings":null,"seo_analyzer_scan_date":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/www.dougsbriefcase.com\/blog\/\" title=\"Home\">Home<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">\u00bb<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/www.dougsbriefcase.com\/blog\/category\/health-care\/\" title=\"Health Care\">Health Care<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">\u00bb<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\tObamacare By The Numbers: Exchange Enrollment\n\t\t<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/www.dougsbriefcase.com\/blog\/"},{"label":"Health Care","link":"https:\/\/www.dougsbriefcase.com\/blog\/category\/health-care\/"},{"label":"Obamacare By The Numbers: Exchange Enrollment","link":"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/"}],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Obamacare By The Numbers: Exchange Enrollment<\/title>\n<meta name=\"description\" content=\"Some backers of Obamacare say that 10 million uninsured people have gained coverage thanks to the law. Here&#039;s why they&#039;re wrong.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Obamacare By The Numbers: Exchange Enrollment\" \/>\n<meta property=\"og:description\" content=\"Some backers of Obamacare say that 10 million uninsured people have gained coverage thanks to the law. Here&#039;s why they&#039;re wrong.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/\" \/>\n<meta property=\"og:site_name\" content=\"Doug&#039;s Brief Case\" \/>\n<meta property=\"article:published_time\" content=\"2014-03-07T17:10:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/CreditAP.gif?fit=1151%2C863&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1151\" \/>\n\t<meta property=\"og:image:height\" content=\"863\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/gif\" \/>\n<meta name=\"author\" content=\"Doug Badger\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Doug Badger\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"11 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/obamacare-numbers-exchange-enrollment\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/obamacare-numbers-exchange-enrollment\\\/\"},\"author\":{\"name\":\"Doug Badger\",\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/#\\\/schema\\\/person\\\/31e37128d9d19bc821874886d6a3582d\"},\"headline\":\"Obamacare By The Numbers: Exchange Enrollment\",\"datePublished\":\"2014-03-07T17:10:58+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/obamacare-numbers-exchange-enrollment\\\/\"},\"wordCount\":2202,\"commentCount\":3,\"image\":{\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/obamacare-numbers-exchange-enrollment\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/www.dougsbriefcase.com\\\/blog\\\/wp-content\\\/uploads\\\/2014\\\/03\\\/CreditAP.gif?fit=1151%2C863&ssl=1\",\"keywords\":[\"corporate welfare\",\"exchange enrollment\",\"exchanges\",\"Obamacare\",\"obamacare website\",\"reinsurance\",\"risk corridors\",\"Uninsured\"],\"articleSection\":[\"Health Care\",\"Obamacare\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/obamacare-numbers-exchange-enrollment\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/obamacare-numbers-exchange-enrollment\\\/\",\"url\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/obamacare-numbers-exchange-enrollment\\\/\",\"name\":\"Obamacare By The Numbers: Exchange Enrollment\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/obamacare-numbers-exchange-enrollment\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/obamacare-numbers-exchange-enrollment\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/www.dougsbriefcase.com\\\/blog\\\/wp-content\\\/uploads\\\/2014\\\/03\\\/CreditAP.gif?fit=1151%2C863&ssl=1\",\"datePublished\":\"2014-03-07T17:10:58+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/#\\\/schema\\\/person\\\/31e37128d9d19bc821874886d6a3582d\"},\"description\":\"Some backers of Obamacare say that 10 million uninsured people have gained coverage thanks to the law. Here's why they're wrong.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/obamacare-numbers-exchange-enrollment\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/obamacare-numbers-exchange-enrollment\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/obamacare-numbers-exchange-enrollment\\\/#primaryimage\",\"url\":\"https:\\\/\\\/i0.wp.com\\\/www.dougsbriefcase.com\\\/blog\\\/wp-content\\\/uploads\\\/2014\\\/03\\\/CreditAP.gif?fit=1151%2C863&ssl=1\",\"contentUrl\":\"https:\\\/\\\/i0.wp.com\\\/www.dougsbriefcase.com\\\/blog\\\/wp-content\\\/uploads\\\/2014\\\/03\\\/CreditAP.gif?fit=1151%2C863&ssl=1\",\"width\":1151,\"height\":863,\"caption\":\"Some Obamacare supporters claim that 10 million uninsured Americans have so far gained coverage thanks to the new law. Are they right? (Credit: AP)\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/obamacare-numbers-exchange-enrollment\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Obamacare By The Numbers: Exchange Enrollment\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/\",\"name\":\"Doug&#039;s Brief Case\",\"description\":\"A brief case for my way of thinking.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/#\\\/schema\\\/person\\\/31e37128d9d19bc821874886d6a3582d\",\"name\":\"Doug Badger\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/273284d4adc47ef6bfcc840b7cc5c0ec34283ada93641cc141a0678ed2eb028c?s=96&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/273284d4adc47ef6bfcc840b7cc5c0ec34283ada93641cc141a0678ed2eb028c?s=96&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/273284d4adc47ef6bfcc840b7cc5c0ec34283ada93641cc141a0678ed2eb028c?s=96&r=g\",\"caption\":\"Doug Badger\"},\"url\":\"https:\\\/\\\/www.dougsbriefcase.com\\\/blog\\\/author\\\/doug-badger\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Obamacare By The Numbers: Exchange Enrollment","description":"Some backers of Obamacare say that 10 million uninsured people have gained coverage thanks to the law. Here's why they're wrong.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/","og_locale":"en_US","og_type":"article","og_title":"Obamacare By The Numbers: Exchange Enrollment","og_description":"Some backers of Obamacare say that 10 million uninsured people have gained coverage thanks to the law. Here's why they're wrong.","og_url":"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/","og_site_name":"Doug&#039;s Brief Case","article_published_time":"2014-03-07T17:10:58+00:00","og_image":[{"width":1151,"height":863,"url":"https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/CreditAP.gif?fit=1151%2C863&ssl=1","type":"image\/gif"}],"author":"Doug Badger","twitter_misc":{"Written by":"Doug Badger","Est. reading time":"11 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/#article","isPartOf":{"@id":"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/"},"author":{"name":"Doug Badger","@id":"https:\/\/www.dougsbriefcase.com\/blog\/#\/schema\/person\/31e37128d9d19bc821874886d6a3582d"},"headline":"Obamacare By The Numbers: Exchange Enrollment","datePublished":"2014-03-07T17:10:58+00:00","mainEntityOfPage":{"@id":"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/"},"wordCount":2202,"commentCount":3,"image":{"@id":"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/CreditAP.gif?fit=1151%2C863&ssl=1","keywords":["corporate welfare","exchange enrollment","exchanges","Obamacare","obamacare website","reinsurance","risk corridors","Uninsured"],"articleSection":["Health Care","Obamacare"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/","url":"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/","name":"Obamacare By The Numbers: Exchange Enrollment","isPartOf":{"@id":"https:\/\/www.dougsbriefcase.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/#primaryimage"},"image":{"@id":"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/CreditAP.gif?fit=1151%2C863&ssl=1","datePublished":"2014-03-07T17:10:58+00:00","author":{"@id":"https:\/\/www.dougsbriefcase.com\/blog\/#\/schema\/person\/31e37128d9d19bc821874886d6a3582d"},"description":"Some backers of Obamacare say that 10 million uninsured people have gained coverage thanks to the law. Here's why they're wrong.","breadcrumb":{"@id":"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/#primaryimage","url":"https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/CreditAP.gif?fit=1151%2C863&ssl=1","contentUrl":"https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/CreditAP.gif?fit=1151%2C863&ssl=1","width":1151,"height":863,"caption":"Some Obamacare supporters claim that 10 million uninsured Americans have so far gained coverage thanks to the new law. Are they right? (Credit: AP)"},{"@type":"BreadcrumbList","@id":"https:\/\/www.dougsbriefcase.com\/blog\/obamacare-numbers-exchange-enrollment\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.dougsbriefcase.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Obamacare By The Numbers: Exchange Enrollment"}]},{"@type":"WebSite","@id":"https:\/\/www.dougsbriefcase.com\/blog\/#website","url":"https:\/\/www.dougsbriefcase.com\/blog\/","name":"Doug&#039;s Brief Case","description":"A brief case for my way of thinking.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.dougsbriefcase.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.dougsbriefcase.com\/blog\/#\/schema\/person\/31e37128d9d19bc821874886d6a3582d","name":"Doug Badger","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/273284d4adc47ef6bfcc840b7cc5c0ec34283ada93641cc141a0678ed2eb028c?s=96&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/273284d4adc47ef6bfcc840b7cc5c0ec34283ada93641cc141a0678ed2eb028c?s=96&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/273284d4adc47ef6bfcc840b7cc5c0ec34283ada93641cc141a0678ed2eb028c?s=96&r=g","caption":"Doug Badger"},"url":"https:\/\/www.dougsbriefcase.com\/blog\/author\/doug-badger\/"}]}},"jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p3bgDT-xf","jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.dougsbriefcase.com\/blog\/wp-content\/uploads\/2014\/03\/CreditAP.gif?fit=1151%2C863&ssl=1","_links":{"self":[{"href":"https:\/\/www.dougsbriefcase.com\/blog\/wp-json\/wp\/v2\/posts\/2061","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.dougsbriefcase.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.dougsbriefcase.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.dougsbriefcase.com\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.dougsbriefcase.com\/blog\/wp-json\/wp\/v2\/comments?post=2061"}],"version-history":[{"count":29,"href":"https:\/\/www.dougsbriefcase.com\/blog\/wp-json\/wp\/v2\/posts\/2061\/revisions"}],"predecessor-version":[{"id":2104,"href":"https:\/\/www.dougsbriefcase.com\/blog\/wp-json\/wp\/v2\/posts\/2061\/revisions\/2104"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.dougsbriefcase.com\/blog\/wp-json\/wp\/v2\/media\/2095"}],"wp:attachment":[{"href":"https:\/\/www.dougsbriefcase.com\/blog\/wp-json\/wp\/v2\/media?parent=2061"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.dougsbriefcase.com\/blog\/wp-json\/wp\/v2\/categories?post=2061"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.dougsbriefcase.com\/blog\/wp-json\/wp\/v2\/tags?post=2061"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}