. 1. short time
A large amount of work remains to be done before the exchanges are operational. Open registration takes effect on October 1 st , giving the states and the federal government less than 5 months to get the exchange live and running.
2. Explain the reform of health care and new insurance options for consumers
The US Census estimates that over 55 million people speak a language other than English at home. As states try to build trade and to extend coverage to ethnic and hard to reach populations, managers are faced with the complications of explaining and delivering these changes to consumers from diverse cultural backgrounds and languages .
States are also working on the introduction of user-friendly sites building where consumers can learn about the changes and outstanding options. State officials are also trying to build exchange websites so that other languages may be added later.
3. Lack of funds, many states have stopped registering for pre-existing state insurance plans (__gVirt_NP_NNS_NNPS <__ PCIPs)
were PCIPs created under the ACA as a temporary program for those currently denied coverage until 2014. However, the Centers for Medicare & Medicaid services recently suspended enrollment in early PCIPs.
in February this year, the Consumer Information Centre and Insurance Oversight (CCIIO) also suspended new enrollments in the 23 states and DC, where the program is run in due to the high cost concerns. Although registration was relatively low, higher medical costs than expected for patients caused overall costs to rise.
4. The lack of transparency and regulation on rising health care costs
While the ACA made progress in expanding coverage for consumers, there is much concern about rising health care costs. Increased costs for individuals, families, small businesses and large companies can make it more expensive to add employees and maintain coverage for retirees. Research shows that rising health care costs is the result of rising health care prices.
5. Threat billion in taxes on health insurers to pass on to consumers
From 2014, ACA imposes an insurance tax disease on the market fully insured service for small businesses. Under the Act, all health insurance companies will be assessed a tax based on their "net premiums" writes. Insurance costs for 2014 will be $ 8 billion in 2014 and $ 14.3 billion in 2018. The concern is that this burden will be passed by the insurance companies to small business owners or individual insurers. There is already a great opposition to this tax on premiums.
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