Despite lower-than-expected premiums for plans in insurance exchanges, major technological issues with the HealthCare.gov website are frustrating consumers who are trying to compare and enroll in a health plan. As a result, some members of Congress have called for a one-year delay of the individual mandate to purchase health coverage under the Affordable Care Act, or ACA. Thousands of Americans, however, have already successfully enrolled in plans through state-based exchanges, making such a delay unnecessary and harmful. Although the administration must continue to urgently repair the federally facilitated exchange website, a one-year delay of the mandate would undermine the success of state-based exchanges and harm millions of Americans, resulting in significantly more uninsured individuals and more costly premiums for consumers in plans both in and out of exchanges.
For more on this topic, please see:
- The Costs of Delaying the Individual Mandate by Emily Oshima Lee