Articles on the implementation of ObamaCare.

The fourth open enrollment for health coverage under the Affordable Care Act opened Tuesday, a critical 90 days that the Obama administration hopes will boost participation and stabilize markets roiled by premium increases and insurer withdrawals.

HealthCare.gov and state equivalents began taking applications Tuesday morning from people signing up for individual health coverage and learning about their eligibility for subsidies. This year is especially critical because consumers so far have been sicker and older than expected, which has led to higher-than-anticipated costs.

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If you are wondering why the Obamacare exchanges are in so much trouble, a whole slew of “experts” think they have the answer. From President Obama to health insurance industry CEOs to the editors of The New York Times to health policy gurus everywhere – the verdict is almost unanimous. Not enough young and healthy people are buying health insurance.

So, what’s the solution to that problem? Carrots and sticks, according to the conventional wisdom. We need to make health insurance more attractive to the young.

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Anthem Inc. said it may join other major U.S. health insurers in largely pulling out of Obamacare’s markets in 2018 if its financial results under the program don’t improve next year.

Anthem retreating from the Affordable Care Act would mean that almost all of the major American for-profit health insurers have substantially pulled back from the law. The other big insurers — UnitedHealth Group Inc., Aetna Inc. and Humana Inc. — have already scaled back, after posting massive losses. The retreats threaten to further destabilize coverage in the markets for individual coverage, known as exchanges, that provide insurance to millions of Americans.

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When Affordable Care Act insurance marketplaces launched in fall 2013, Arizona seemed like a success. Eight insurers competed to sign up consumers, offering a wide variety of plans and some of the lowest premiums in the country.

Today, with ACA enrollment starting Nov. 1, Arizonans will find in most counties only one insurer selling exchange plans for 2017. Premiums for some plans will be more than double this year, some of the biggest increases in the nation. Only last-minute maneuvering prevented one Arizona county from becoming the first in the nation to have no exchange insurers at all.

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One of the most popular pieces of ObamaCare could be hurting the administration’s push to attract more young people into the wobbly marketplace, according to several people who helped shape the law.

The administration is staging campus enrollment drives and pouring money into Facebook and Instagram ads this year in an attempt to boost ObamaCare enrollment among young adults. The sign-up period begins Tuesday.

Yet there’s a fundamental flaw in the effort — and it has to do with ObamaCare’s design.

Because of the healthcare law, the White House says nearly 3 million young people under the age of 26 have been able to stay on their parents’ insurance plans and don’t have to shop for coverage on HealthCare.gov.

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The final Obamacare open enrollment of President Obama’s presidency starts Tuesday with enrollees facing fewer insurers and higher premiums for health coverage.

However, the impact will largely depend on where the enrollee lives, as some states are faring far worse than others in plan offerings and rates.

The administration wants to get 13.8 million people to sign up between Nov. 1 and Jan. 31, and it hopes about 11 million will pay for coverage throughout 2017. However, some experts doubt whether the administration can reach that goal because of higher plan costs.

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The Obama administration hasn’t done enough to ensure that the right people get Obamacare subsidies, according to a new report from congressional Republicans.

The report details earlier investigations into Obamacare’s verification process for income eligibility, which screens whether a person is eligible for tax credits. It also criticizes the administration for relaxing standards for income eligibility.

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Like many other Americans, I got a letter last week. This letter is becoming an annual tradition, arriving on my doorstep in October to inform me of my Obamacare insurance premium hike.

Last year, the letter said my Bronze plan, purchased on the marketplace formed by the, ahem, Affordable Care Act, would increase by almost 60 percent.

This year, my premium is going up 96 percent. Ninety-six percent. My monthly payment, which was the amount of a decent car payment, is now the size of a moderate mortgage. The president refers to these for thousands of citizens as “a few bugs” when to us it feels like a flameout.

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The Affordable Care Act is in serious trouble, and the next president and Congress may well have to gut or replace it.

While many Affordable Care Act supporters remain optimistic, concerns are bipartisan. An article by two conservative writers proclaims, “ObamaCare’s Meltdown Has Arrived … half of Tennesseans covered under the plan are losing their coverage.” Minnesota’s Democratic Governor Mark Dayton says the law has “some serious blemishes and serious deficiencies” and is “no longer affordable to increasing numbers of people.” Former President Bill Clinton said, “the people who are out there busting it … wind up with their premiums doubled and their coverage cut in half. It’s the craziest thing in the world.”

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The renewed call by Democrats for a public option health plan has steeled Republican resistance to expanding the healthcare law, suggesting 2017 may bring nothing but more gridlock when it comes to fixing the problems that even Democrats now admit are plaguing Obamacare.

Both House Speaker Paul Ryan and Majority Leader Mitch McConnell have called for repealing the law and replacing after President Obama made a new push this week to expand his signature law by adding a government-funded healthcare option long sought by Democrats.

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