Connecticut's health insurance marketplace has a busy first day with 28,000 visitors
The state's new online health insurance marketplace began operating as scheduled on Tuesday, receiving more than 28,000 visitors and processing 167 applications by 4 p.m.
A family of three was reportedly the first to sign up for coverage, which would begin Jan. 1. The site, www.AccessHealthCT.com, offers plans from three companies — Anthem, Healthy CT and ConnectiCare — each with three tiers of coverage designated as gold, silver and bronze.
Editor's note: This version corrects an earlier version.
Access Health CT, the quasi-public state agency assigned with setting up the marketplace under the federal Affordable Care Act, said its call center received 1,930 calls on the first day. There were some "sporadic issues" with website activity, the agency said.
"Today was not without bumps, but as far as launches go for a project this size, we were pleased," Kevin Counihan, executive director for the Access Health CT, said in a news release.
Jim Wadleigh, chief information officer of Access Health CT, said his staff is working to fix some issues that arose on the site's first day of operations.
"We were pleased to be able to handle the influx of volume across a diverse array of individual and small business clients," he said.
Of the 167 applications processed Tuesday, 83 were for one of the three commercial plans and included government subsidies to offset premium costs. The remaining 84 were applications for Medicaid coverage. The initial enrollment period will last for six months.
As part of its outreach efforts, Access Health CT trained 1,000 community-based assisters to sign people up for the insurance on laptops. In southeastern Connecticut, two pharmacies and nine nonprofit organizations sent staff members for assister training.
At the Medicine Shoppe pharmacy in New London, pharmacy technician Sarah Derosa completed the training but has not yet received her laptop from Access Health CT, Nagy Wassef, store owner, said Tuesday. She was expecting to receive it today. Once she has the laptop, she will be working with customers at the store as well as visiting local businesses and agencies to help people sign up for health insurance, he said.
Connecticut's experience appears to be a bright spot compared to elsewhere in the country. Several other states reported glitches as their sites went live and traffic to the sites was heavy. Some users said they had trouble setting up accounts.
State and federal agencies were working to fix the sites, which represent the biggest expansion in coverage in nearly 50 years and is the centerpiece of Obama's health care law.
Administration officials said they are pleased with the strong consumer interest but declined to say how many people nationwide actually succeeded in signing up for coverage.
By Tuesday afternoon, at least 2.8 million people had visited the healthcare.gov website, said Medicare administrator Marilyn Tavenner, whose office is overseeing the rollout of the Affordable Care Act. The website had seven times the number of simultaneous users ever recorded on the medicare.gov site.
In Obama's home state, dozens of people who came to a Champaign, Ill., public health office to sign up for coverage found computer screens around the room flashing an error message: "System is unavailable."
Kimberly Shockley — logging in from Houston, Texas — and Mike Weaver, who lives in rural southern Illinois, ran into the same glitch as many others: They could not get past the security questions while trying to set up their personal accounts through healthcare.gov.
"I'm frustrated, very frustrated," said Shockley, a self-employed CPA. She spent more than an hour trying to get the security questions to work without success. When she clicked on a drop-down menu of suggested security questions, none appeared. She then tried to create her own questions, but that didn't work, either.
Weaver, a self-employed photographer, said he also ran into problems with the drop-down menus. And when they started working, he still wasn't able to set up his account.
"The first day of something that you know is going to have a lot of bugs, it's not that frustrating," he said. "If it was the last day to sign up ... then I'd be terribly frustrated."
Shockley has health insurance but is looking for a better plan. Weaver is uninsured.
State-operated sites also experienced trouble.
Minnesota got its site running after a delay of several hours. Rhode Island's site recovered after a temporary crash. A spokesman for the New York Department of Health blamed difficulties on the 2 million visits to the website in the first 90 minutes after its launch. Washington state's marketplace used Twitter to thank users for their patience.
Exchange officials in Colorado said their website would not be fully functional for the first month, although consumers will be able to get help applying for government subsidies during that time. Hawaii's marketplace wasn't allowing people to compare plans and prices.
California, home to 15 percent of the nation's uninsured, reported delays online and on the phone because of heavy volume. The first completed health insurance application was taken at 8:04 a.m., just minutes after the exchange opened.
In Portsmouth, N.H., Deborah Lielasus tried to sign up for coverage but got only as far as creating an account before the website stopped working. She said she expected problems.
Lielasus, a 54-year-old self-employed grant writer, currently spends about $8,500 a year in premiums and more than $10,000 for out-of-pocket expenses because she has a health condition and her only option has been a state high-risk insurance pool. She said she expects those costs to decrease significantly.
As excited as she was to sign up, she said, her anticipation was tempered by dismay over the government shutdown that was led by congressional Republicans who want to block the health insurance reforms.
"I'm really happy that this is happening, that this is being launched. ... I feel like it's a child caught in the middle of a really bad divorce," Lielasus said.
The shutdown will have no immediate effect on the insurance marketplaces that are the backbone of the law, because they operate with money that isn't subject to the annual budget wrangling in Washington.
The marketplaces represent a turning point in the nation's approach to health care. The Obama administration hopes to sign up 7 million people during the first year and aims to eventually sign up at least half of the nearly 50 million uninsured Americans through an expansion of Medicaid or government-subsidized plans.
But if people become frustrated with the malfunctions in the computer-based enrollment process and turn away from the program, the prospects for Obama's signature domestic-policy achievement could dim.
"You've got to launch this thing right the first time," said Robert Laszewski, a consultant who worked 20 years in the insurance industry. "If you don't, financially you will never recover."
Neera Tanden, president of the Center for American Progress, which helped work for passage of the law, cautioned against rushing to judge on first-day performance. Numerous observers had predicted bugs and setbacks. Trained outreach workers in many states are having trouble getting the certification they need to start helping people to enroll.
In Texas, a federally funded network of "navigators" hired to help people enroll was off to a rocky start because of backtracking participants — including some cowed by the politics of the health law.
At least four regional government councils — covering more than 30 counties statewide — reversed course in the past two weeks and turned away funds that would train navigators in their areas. Local leaders described their hesitancy as a mix of uncertainty surrounding state rules and a fear of running afoul of Republican leaders.
Many states predicted that an initial surge of interest would test the online system, but they expect most people to sign up closer to Dec. 15, which is the deadline for coverage to start Jan. 1. Customers have until the end of March to sign up in order to avoid tax penalties.
Under the law, health insurance companies can no longer deny coverage to someone with a pre-existing medical condition and cannot impose lifetime caps on coverage. They also must cover a list of essential services, ranging from mental health treatment to maternity care.
Associated Press reports were included in this story.
Access Health CT
Connecticut's health insurance marketplace can be found at www.AccessHealthCT.com. The call center for the marketplace can be reached at (855) 805-4325.
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