Articles on the implementation of ObamaCare.

Lessons in basic economics, simple arithmetic, and crony capitalism can be learned as a result of the ACA co-op failures. In the meantime, more than 800,000 patients have had their health insurance suddenly dropped and are scrambling to find new policies from other insurers.

The Advocate

U.S. Sen. Bill Cassidy (R-LA) writes a letter on why Louisiana should not take Obamacare’s Medicaid expansion, but instead should look for better ways to provide health care.

Most of those eligible for health insurance subsidies under the Affordable Care Act are failing to claim them, according to a new study. Researchers with the Robert Wood Johnson Foundation and the Urban Institute estimated that more than 24 million people were eligible for ObamaCare tax credits last year. By March, only 41 percent of them had selected a plan on a government insurance exchange.

We had to pass Obamacare to see what was in it, and now we’ve had to see it in action to realize how bad it truly is. It’s one thing for states, such as Oregon and Maryland, to try to “recover’ money the federal government gave them to build state-based exchanges after those exchanges failed. The chutzpah of wanting money to replace the money you got earlier from Washington to fail to do that which you were supposed to do with the money in the first place is galling enough.

The majority of ObamaCare’s insurance co-ops—12 of 23—have now folded, and their $1.24 billion in federal loans has all but vaporized. More will fail, nearly a million Americans may lose coverage, and now the contagion from their failures is spreading.

The Affordable Care Act’s third open enrollment season started Nov. 1, and federal officials are hoping to reach about a million people like Thomas across the country. Newark has an estimated 112,000 uninsured people, around one-third of the city’s population. It is one of five areas – along with Houston, Dallas, Chicago and Miami – where the federal government is focusing enrollment efforts. Altogether, Washington will spend more than $100 million on marketing and enrollment.

A lack of oversight when implementing the consumer operated and oriented plans (CO-OPs) as well as their inability to compete are to blame for the small insurers’ recent string of failures, experts said Thursday at a hearing held by the House Energy and Commerce Committee’s Subcommittee on Oversight and Investigations.

For much of this year, Sara Goodrich of Lakeland has gone without health insurance — despite trying over and over again to complete enrollment on HealthCare.gov. “For the last six months, all of the agents have been telling me something else is the issue. Resubmit here, there’s an address error, it’s your birthday, for some reason, that would affect my application, and I just said, I am trying to follow the rules here, and you guys aren’t helping,’” she said.

As Marketplace enrollees begin to shop for coverage starting in 2016, the number of insurance choices available to them is changing in some parts of the country. In early 2015, an average of 6.1 insurer groups offered coverage in each state, up from an average of 5.0 in 2014. Since then, some insurers have announced their exit or been required to withdraw from the Marketplaces, most notably a number of nonprofit Consumer Operated and Oriented Plans (CO-OPs) and some larger insurers like Blue Cross Blue Shield of New Mexico. Despite these withdrawals, the Department of Health and Human Services (HHS) recently announced that the average number of issuers per state is increasing slightly in 2016 and that about 9 out of 10 returning Healthcare.gov customers will have 3 or more insurers from which to choose in 2016.

More than half of the 23 taxpayer-funded Obamacare insurance startups are not offering plans next year, and another in Michigan said Tuesday that it was winding down. Michigan’s Consumers Mutual Insurance announced late Tuesday it would not offer plans in 2016, making it the 12th Obamacare consumer-operated and oriented plan to close up. The closure comes two days into Obamacare’s third open enrollment period, and on the same day a congressional panel lashed out at an administration official about the spate of shutdowns.