Email letters, November 6,  2013

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“Only a fool would” take David Shrum’s on-line letter – Obamacare application invades what little privacy we have left” – seriously.

The application for coverage under the Affordable Care Act (“ACA”) is far less intrusive than the typical application for life and/or health insurance – which ask detailed questions about medical history that the ACA application does not.

Before “ObamaCare”, as an applicant for health insurance, you had to “expose yourself to the rest of the world” in order to even qualify for coverage.  Even if initially approved, any insured who filed a claim could be summarily denied and/or cancelled by the insurer – which would first gather the claimants medical records and employed a staff of doctors to identify “pre-existing conditions” in the insured’s medical history that would entitle them to deny the claim.  That odious practice has been made illegal by the ACA.

The information currently maintained by the government is all dated (from the past), but the ACA’s application process needs requires current information from the applicant in order to present available insurance options and calculate potential premium credits.

The ACA was originally designed to first trust the information provided by applicants, but then verify it later by comparing tax returns claiming credits against other records.  Section 1001 of H.R. 2775 – the bill that ended the government shutdown and avoided default – now requires that eligibility for credits and cost-sharing premium reductions be verified “up front” – thereby further complicating the process (because Republicans do not trust Americans applying for health insurance).

Thus, while computer security is a serious concern, there is less information collected under the ACA than by health insurers previously, whose computer systems may be just as susceptible to hacking as the federal government’s.

Thus, “only a fool” would deny him/herself and/or his/her family needed health insurance coverage because of speculative privacy concerns based on laughably false propaganda.

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