Thursday, December 12, 2013

A Rush To Reconcile Health Enrollment Data, By Hand

More From All Tech Considered Digital LifeWireless Companies, FCC Reach Deal On 'Unlocking' CellphonesDigital LifeTake A Look At The Top Tweeted Moments Of The YearTechnologyA Rush To Reconcile Health Enrollment Data, By HandBusinessAmid Cuts And Tax Hikes, Tech Companies Get Love in Ireland

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High Insurance Rates Anger Some Ski-Country Coloradans

More From Shots - Health News HealthIf You Drank Like James Bond, You'd Be Shaken, TooHealthWhy Meningitis That Hit Princeton Is Hard To Beat With VaccinesHealthScientists Turn To The Crowd In Quest For New AntibioticsHealthHigh Insurance Rates Anger Some Ski-Country Coloradans

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Wednesday, December 11, 2013

Enrollment Jumps At HealthCare.gov, Though Totals Still Lag

More From Shots - Health News HealthSome Young Athletes May Be More Vulnerable To Hits To The HeadHealthGlobal Malaria Deaths Hit A New LowHealthStaph Germs Hide Out In The Hidden Recesses Of Your NoseHealthHealth Exchange Enrollment By State, In 2 Charts

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Despite Big Market In Florida, Obamacare Is A Hard Sell

More From Shots - Health News HealthPopular Antacids Increase The Risk Of B-12 DeficiencyHealthTo Fight Meningitis Outbreak, Princeton Tries European VaccineHealthDespite Big Market In Florida, Obamacare Is A Hard SellHealthDon't Count On Insurance To Pay For Genetic Tests

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Tuesday, December 10, 2013

To Curb Costs, New California Health Plans Trim Care Choices

More From Shots - Health News HealthPopular Antacids Increase The Risk Of B-12 DeficiencyHealthTo Fight Meningitis Outbreak, Princeton Tries European VaccineHealthDespite Big Market In Florida, Obamacare Is A Hard SellHealthDon't Count On Insurance To Pay For Genetic Tests

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To Curb Costs, New California Health Plans Trim Care Choices

More From Shots - Health News HealthPopular Antacids Increase The Risk Of B-12 DeficiencyHealthTo Fight Meningitis Outbreak, Princeton Tries European VaccineHealthDespite Big Market In Florida, Obamacare Is A Hard SellHealthDon't Count On Insurance To Pay For Genetic Tests

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Monday, December 9, 2013

To Curb Costs, New California Health Plans Trim Care Choices

More From Shots - Health News HealthTo Curb Costs, New California Health Plans Trim Care ChoicesHealthViolence In PG-13 Movies Comes With Plenty Of Sex And BoozeHealthNew York's Insurance Exchange Readies For Holiday RushHealthEpilepsy Patients Help Decode The Brain's Hidden Signals

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To Curb Costs, New California Health Plans Trim Care Choices

More From Shots - Health News HealthTo Curb Costs, New California Health Plans Trim Care ChoicesHealthViolence In PG-13 Movies Comes With Plenty Of Sex And BoozeHealthNew York's Insurance Exchange Readies For Holiday RushHealthEpilepsy Patients Help Decode The Brain's Hidden Signals

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Wednesday, December 4, 2013

Administration Says You Can Now Escape HealthCare.Gov 'Prison'

More From Shots - Health News HealthFertility Drugs, Not IVF, Are Top Cause Of Multiple BirthsHealthSecond Meningitis Outbreak Erupts In Southern CaliforniaHealthAdministration Says You Can Now Escape HealthCare.Gov 'Prison'HealthRule Spells Out How Insurers Must Cover Mental Health Care

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Tuesday, December 3, 2013

ACLU Sues, Claiming Catholic Hospitals Put Women At Risk

More From Shots - Health News HealthObama Launches HIV Cure Initiative, Ups Pledge For Global HealthHealthAlleged Perils Of Left-Handedness Don't Always Hold UpHealthAs Polio Spreads In Syria, Politics Thwarts Vaccination EffortsHealth CareACLU Sues, Claiming Catholic Hospitals Put Women At Risk

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Monday, December 2, 2013

Could A Tech Giant Build A Better Health Exchange? Maybe Not

More From All Tech Considered TechnologyCould A Tech Giant Build A Better Health Exchange? Maybe NotTechnologyGetting To Know Black Innovators, One Tweet At A TimeU.S.The Key Test For HealthCare.gov Is The Part You Can't SeeDigital LifeCould Video Games Be The Next Job Interview?

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Saturday, November 30, 2013

A New Worry Looms Online For The Affordable Care Act

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Insurance companies say they are finding numerous mistakes on a digital form that's essential for signing up through HealthCare.gov.

AP

Insurance companies say they are finding numerous mistakes on a digital form that's essential for signing up through HealthCare.gov.

AP

Saturday is the day the Obama administration promised it would have HealthCare.gov working smoothly for the majority of people who need to sign up for health insurance.

As the Obama administration scrambles to fix the glitch-plagued site, experts are beginning to worry about another problem that may further impair the rollout of the Affordable Care Act.

Health insurance companies say they're seeing numerous errors in a form that plays a vital part in the enrollment process. The problems are manageable so far, but many worry about what will happen if enrollment surges in the weeks to come.

The 834

It's safe to say that the vast majority of consumers have never heard of an 834 EDI transmission form, despite its crucial role in the process of signing up for health insurance. It's a kind of digital resume that tells an insurance company's computer everything it needs to know about an applicant, says Bob Laszewski, a health policy consultant.

"It contains all of the person's enrollment information, all the information that [an] insurance company needs to get this person entered as a policy holder," Laszewski says.

The 834 has been around for a long time. The architects of the Affordable Care Act intended for it to play a central role in the sign-up process, says Tim Jost, a professor of law at Washington and Lee University.

"The 834 information is information the insurers have to have to get people enrolled in coverage, which of course is the point of going through the marketplace," Jost says.

Multiple Mistakes Make Insurers' Jobs Harder

But health insurance companies say the 834s they are receiving from applicants on the federal and state exchanges have sometimes been riddled with errors, Laszewski says.

"Duplicate enrollments, people enrolling and unenrolling, inaccurate data about who's a child and who's a spouse, files just not being readable," he says.

Highmark Blue Cross Blue Shield of West Virginia has been steadily processing new customers ever since the launch of Obamacare this fall. But Highmark President Fred Earley says mistakes in the 834s are making the job harder.

"We've had some situations where the records don't track, or we've seen duplicates," Earley says. "We've had situations where we'll get a record to show that someone canceled coverage when we've never had a record to show they enrolled in the first place."

Earley says his firm has been dealing with the problems by calling up state and federal officials and correcting the mistakes. The exact cause of the problems is unclear. The Obama administration has been slowly making fixes, and officials say they're making progress. But Laszewski says the fixes are not fast enough.

"The error rates have been falling," he says. "HealthCare.gov has been making progress, but we're not to the point yet where people can trust that high-volume enrollment can occur and we won't have serious customer service problems."

Laszewski says the test will come over the next few weeks. People who want coverage to begin on Jan. 1 have until just before Christmas to sign up, and there's likely to be a surge of new applicants in the weeks to come.

"What happens if we start getting hundreds of thousands or millions of people signing up by the Dec. 23 deadline, and the insurance industry is receiving hundreds or thousands of these a day?" he says. "That's what everyone's worried about."

Share Facebook Twitter Google+ Email Comment More From Health Care Health CareWhite House Optimistic At Deadline To Fix ObamacareHealth Care3 Stories From HealthCare.gov UsersHealth CareHow Will We Know If HealthCare.gov Is Fixed?Health CareA New Worry Looms Online For The Affordable Care Act

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Thursday, November 28, 2013

Breaking Up With HealthCare.gov Is Hard To Do

More From Shots - Health News Health CareBreaking Up With HealthCare.gov Is Hard To DoHealthBrain Cells 'Geotag' Memories To Cache What Happened � And WhereHealthAfter The Cranberries And Pie, Let's Talk About DeathScience'The Coolest Thing Ever': How A Robotic Arm Changed 4 Lives

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Wednesday, November 27, 2013

Supreme Court Takes Challenge To Obamacare Contraceptive Rule

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The U.S. Supreme Court has agreed to take another case involving the Affordable Care Act, this time a challenge to the provision that for-profit companies that provide health insurance must include contraceptive coverage in their plans offered to employees.

Saul Loeb/AFP/Getty Images

The U.S. Supreme Court has agreed to take another case involving the Affordable Care Act, this time a challenge to the provision that for-profit companies that provide health insurance must include contraceptive coverage in their plans offered to employees.

Saul Loeb/AFP/Getty Images

President Obama's Affordable Care Act will be back before the Supreme Court this spring. This time, the issue is whether for-profit corporations citing religious objections may refuse to provide contraceptive services in health insurance plans offered to employees.

In enacting the ACA, Congress required large employers who offer health care services to provide a range of preventive care, including no-copay contraceptive services. Religious nonprofits were exempted from this requirement, but not for-profit corporations.

Some three dozen of these corporate entities challenged this requirement in court, contending the contraception mandate violates their religious rights. On Tuesday, the Supreme Court agreed to examine the issue, after lawyers on both sides asked for high court review.

The lead plaintiff before the court is Hobby Lobby, a chain of more than 500 arts and crafts stores with more than 13,000 employees. The owners are conservative Christians who object to some forms of birth control and contend that the mandate thus abridges their religious rights in violation of both the Constitution and federal law.

David Green, founder and CEO of Hobby Lobby, appeared in an online video to explain his company's position. "We do everything we possibly can to be a help to our employees of how that they can structure their life based on biblical principles," he says.

Hobby Lobby and the Green family are represented by Kyle Duncan of the Becket Fund for Religious Liberty. Duncan argues that the contraception coverage requirement coerces the corporate owners to violate their religious beliefs. "That forces them to choose between violating their faith or exposing their businesses to severe consequences including, potentially, severe fines," he said in an interview.

The U.S. Court of Appeals based in Denver agreed. The judges on that court pointed to the Supreme Court's controversial 2010 Citizens United decision, which declared that corporations have the same right as individuals to spend money in political campaigns. In view of that decision, said the appeals court judges, they could see no reason that corporations would not be similarly entitled to exercise religious beliefs, as well.

The government, however, points to a long line of Supreme Court cases that take a contrary view. No court has ever found a for-profit company to be a religious organization for purposes of federal law, the Justice Department said in its briefs. Government would be unable to function, the department suggested, if children could be exempt from child labor laws on religious grounds, for example, or if employers refused to pay taxes because of religious objections to how the money was spent.

Indeed, women's rights advocates see the no-copay birth control provision as a civil rights measure for women, ensuring that women can afford to make reproductive decisions for themselves.

If the court were to allow for-profit corporations to avoid civil rights laws based on their religious beliefs, that would "create a very slippery slope, giving for-profit employers their own right to impose their own medical preferences on their employees," said Planned Parenthood President Cecile Richards on Tuesday. She also emphasized that the choice to use birth control "should be between a woman and her doctor. And no employer should be able to take that right away."

All of these views, and more, will be on full display when the Supreme Court hears arguments in Hobby Lobby and a companion case brought by Conestoga Wood Specialties, a 900-employee woodworking corporation owned by a Mennonite family. A decision is expected by summer.

Share Facebook Twitter Google+ Email Comment More From Law The Two-WayNevada Judge Rejects New Trial For Jailed O.J. SimpsonThe Two-WayJudge Suspends Sentencing Of Would-Be Bomber After NSA RevelationsThe Two-WayStill A Teenager, Freed Cartel Killer Will Leave Mexico For U.S.Supreme Court Takes Challenge To Obamacare Contraceptive Rule

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Tuesday, November 26, 2013

Emergency Contraceptive Pill Might Be Ineffective For Obese

More From Shots - Health News Health2009 Flu Pandemic Was 10 Times More Deadly Than Previously ThoughtHealthPart-Time Workers With Minimal Health Coverage Get New OptionsHealth CareThese Californians Greeted Canceled Health Plans With SmilesHealthEmergency Contraceptive Pill Might Be Ineffective For Obese

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Rep. Issa Takes Anti-Obamacare Campaign To The States

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Monday, November 25, 2013

The Single-Payer Alternative

Rush Limbaugh�s take on the disastrous rollout of the Affordable Care Act could, ironically, warm the hearts of those at the other end of the political spectrum. He contends that President Obama knew all along that the Affordable Care Act would crash and burn, but pushed it through so that the conflagration would clear the way for single-payer health insurance.

The conspiracy charge sounds deranged, but problems with the new health insurance system may indeed revitalize demands for more substantive reforms, which many policy makers and voters set aside in the putative interests of political pragmatism. Whatever the advantages of a single-payer system such as that currently administered by Medicare, one view held, American voters were unlikely to get behind it.

Yet one of the greatest advantages of a single-payer system � its relatively low administrative costs � has been thrown into sharp relief by problems registering with the new health exchanges. Andwhile Republicans despise the Affordable Care Act despite its conformity with many of their earlier proposals, their proposed changes (other than simple rollback) look complicated, kludgy and costly to administer.

The malfunctioning website has magnified problems inherent in coordinating enrollment across many different companies in many different exchanges in cooperation with many different government agencies. The harmonization challenges are orders of magnitude greater than those faced by a single company or a single state, making streamlining difficult. Improved software can do only so much.

In theory, competition and choice should increase efficiency. In practice, health insurance companies are able to take advantage of the complexity and uncertainty surrounding health care choices to make comparison shopping very difficult.

Lack of clear information about the prices of medical procedures, combined with a proliferation of insurance options whose potential benefits will be strongly affected by unpredictable events (such as being involved in an automobile accident or developing cancer), put consumers in a weak position.

The process of negotiating relationships with new health care providers because old ones are �out of network� is physically and emotionally exhausting. Insurance companies benefit from promoting policies that are difficult to understand and make consumers fearful of any change in their coverage. That fear and aversion has spilled over into the transactions required for many people to benefit from the Affordable Care Act.

David Himmelstein and Steffie Woolhandler, co-founders of Physicians for a National Health Program, regularly assert that elimination of the huge paperwork and overhead imposed by private insurance companies could save enough to cover the estimated 31 million of Americans who will remain uninsured under the Affordable Care Act.

My fellow Economix blogger Uwe E. Reinhardt, expanding on this theme, notes that the Institute of Medicine of the National Academy of Sciences recently estimated excess administrative costs of $191 billion, again more than enough to attain truly universal health care coverage.

Most such estimates are limited to the monetary costs incurred by insurers, doctors and hospitals and don�t include the value of the time that health care consumers must devote to managing a torrent of inscrutable paperwork that can become truly frightening for the critically ill.

Even if its rollout becomes more expeditious, the Affordable Care Act does little to reduce the incentives that companies have to barricade themselves behind high information and transaction costs. In the financial sector, I previously noted, this perverse incentive is described as �strategic price complexity.�

A complicated new program applied to a complicated old industry makes it hard for everyone to figure out exactly what they will be getting relative to what they are paying. As a result, many ordinary people and small businesses fall prey to redistributional paranoia.

Accusations of ripoffs proliferate, along with assertions that the Affordable Care Act is unfair to young people or that it simply represents transfers from the affluent to the poor, or from whites to people of color.

The program clearly has redistributive impact, but much of it will be muted over the life cycle. People who pay more for their insurance will get more benefits in return. The biggest transfers will go from the healthy to the sick (who are sometimes poor precisely because they are sick) and from one part of the health care system (emergency room care) to another (insurance-covered routine care).

But the structure of the program seems unintentionally designed to intensify distributional conflict. Its highly means-tested subsidies create strong political resentments and contribute to very high implicit marginal tax rates on lower-income families.

A single-payer insurance system, whether based on an extension of Medicare or on the Canadian model, promises many profoundly important benefits. Right off the mark, it promises simplicity.

No wonder conservative pundits are afraid of it.

Sunday, November 24, 2013

Colorado Ads Use Sex And Alcohol To Sell Health Insurance

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Tuesday, November 19, 2013

Wisconsin Chooses Its Own Path To Overhaul Medicaid

More From Shots - Health News HealthWhy College Campuses Get Hit By Meningitis OutbreaksHealthSpiritual Healers Keep Watch For Plague In UgandaHealth CareWisconsin Chooses Its Own Path To Overhaul MedicaidHealthUsing Birth Control Pills May Increase Women's Glaucoma Risk

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Wisconsin Chooses Its Own Path To Overhaul Medicaid

More From Shots - Health News HealthWhy College Campuses Get Hit By Meningitis OutbreaksHealthSpiritual Healers Keep Watch For Plague In UgandaHealth CareWisconsin Chooses Its Own Path To Overhaul MedicaidHealthUsing Birth Control Pills May Increase Women's Glaucoma Risk

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Thursday, November 14, 2013

Insurers Aren't Keen On Obama's Pledge To Extend Coverage

More From Shots - Health News HealthBacterial Competition In Lab Shows Evolution Never Stops Health CareInsurers Aren't Keen On Obama's Pledge To Extend CoverageHealthOregon Shines On Medicaid, As Texas Stalls On Sign-UpsHealthCommon Test For Bladder Infections Misses Too Many Cases

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Oregon Shines On Medicaid, As Texas Stalls On Sign-Ups

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Wednesday, November 13, 2013

More Than 106,000 Chose Health Plans Under Affordable Care Act

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Democrats Join Calls To Rectify Canceled Health Insurance

More From Shots - Health News Health CareThe Health Care Numbers Are Out, And They're DisappointingHealthCan Young People Get Obamacare For $50 A Month? SometimesShots - Health NewsWhy American Medical Care Could Soon Be Like Air TravelHealthDemocrats Join Calls To Rectify Canceled Health Insurance

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Can Young People Get Obamacare For $50 A Month? Sometimes

More From Shots - Health News Health CareThe Health Care Numbers Are Out, And They're DisappointingHealthCan Young People Get Obamacare For $50 A Month? SometimesShots - Health NewsWhy American Medical Care Could Soon Be Like Air TravelHealthDemocrats Join Calls To Rectify Canceled Health Insurance

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Tuesday, November 12, 2013

Self-Employed And With Lots Of Questions About Health Care

More From Shots - Health News HealthBrain Scans Shouldn't Get Their Day In Court, Scientists SayHealthWHO Rates Typhoon's Medical Challenges "Monumental"Health CareThe First Estimate On Insurance Signups Is Pretty Darned SmallHealth$4.2 Billion Deal Highlights Drug Profits From Rare Diseases

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Monday, November 11, 2013

The First Estimate On Insurance Signups Is Pretty Darned Small

More From Shots - Health News Health CareThe First Estimate On Insurance Signups Is Pretty Darned SmallHealth$4.2 Billion Deal Highlights Drug Profits From Rare Diseases HealthAid Groups Struggle To Reach Survivors Of Typhoon Haiyan HealthMovies Rated PG-13 Feature The Most Gun Violence

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Saturday, November 9, 2013

When Caregivers Are Abusers: Calif. Complaints Go Unanswered

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Jim Fossum holds a photograph of his aunt, Elsie Fossum, who died from injuries her caregiver said were the result of a fall.

Mina Kim/KQED

Jim Fossum holds a photograph of his aunt, Elsie Fossum, who died from injuries her caregiver said were the result of a fall.

Mina Kim/KQED

Nurse assistants and home health aides provide intimate care, bathing, feeding and dressing the elderly, disabled or ill. So what happens when an abusive caregiver hurts a patient?

Public health regulators in California have been letting many complaints sit for years � even when they involve severe injuries or deaths.

'Beaten To A Pulp'

Elsie Fossum's nieces and nephews say she was the aunt you wanted to have.

"She gave us our first car," Janet Flynn remembers. Her brother, Jim Fossum, chimes in: "A '59 Ford Galaxie 500, with massive fins on it."

Flynn says their aunt, a librarian and teacher who never married or had kids, always looked chic.

Enlarge image i

Elsie Fossum's niece, Janet Flynn, and nephews Jim Fossum, left, and John Fossum, say they never heard from California's Department of Public Health following their aunt's death.

Mina Kim/KQED

Elsie Fossum's niece, Janet Flynn, and nephews Jim Fossum, left, and John Fossum, say they never heard from California's Department of Public Health following their aunt's death.

Mina Kim/KQED

"She would come for the summer with this tiny Samsonite suitcase," Flynn says. "And she would be impeccably dressed, mixing and matching, and her hair was always done. Always looked wonderful."

But on the morning of July 3, 2006, Elsie Fossum lay in a pool of blood on the floor of her bedroom at Claremont Place, a Los Angeles-area assisted living facility. The 95-year-old Fossum had lived there for two years.

Her eyes were bruising black, her lip was badly cut, and her right arm was broken. But she was alive.

The lone caregiver on Fossum's floor that night said Fossum fell, but Beverlee McPherson, a registered nurse who supervised nurse assistants at Claremont Place, suspected abuse.

"She looked like she went four or five rounds with Muhammad Ali," McPherson says.

Unable to take much food or water through her swollen mouth, Fossum died of dehydration less than three weeks later. A Los Angeles County coroner could not rule out assault and called the manner of death undetermined.

McPherson is resolute.

"Oh, I'm 100-percent convinced she didn't fall out of bed, 100 percent," she says. "If you saw this woman's face, I mean, her entire face was beaten to a pulp."

'Staying On Top Of Complaints'

Emergency room nurses who treated Fossum at a nearby hospital also suspected abuse. The hospital quickly notified the California Department of Public Health, the agency responsible for decertifying nurse assistants who violate standards of care.

Cases Closed With No Action Taken

The number and rate of license revocations against nursing assistants and in-home health aides suspected of abuse have plunged, while cases closed without action have increased.

Enlarge image i Center For Investigative Reporting/KQED Center For Investigative Reporting/KQED

But internal documents obtained by the Center for Investigative Reporting show department investigators shelved Fossum's case for six and a half years.

CDPH Director Ron Chapman blames the delays in handling complaints on a backlog of more than 900 cases that piled up between 2004 and 2008.

"There were a number of reasons for that backlog, including poor management decisions during that time," Chapman says.

The department implemented a plan in 2009 to address the backlog, says Chapman, who was sworn in to his position in 2011.

"In the two years that I've been in the job, there's now new management from top to bottom, and we're staying on top of all the complaints as they come in," he says.

Yet the number of nurse assistants facing disciplinary action following complaints has dropped, from 27 percent a few years ago to 9 percent last year.

Chapman says he sees no evidence that addressing the backlog has undermined the quality of the department's current work, but Marc Parker, who headed the investigations section for nine years, says he was forced to cut corners.

"Hundreds of cases were closed, hundreds, with nothing but a phone call," he says.

'A Failure To Protect'

Parker says without visits to facilities, investigators are unable to see the layout of a room, conduct impromptu interviews, or assess a person's body language. Parker retired in December of 2011, earlier than planned.

"I could not protect the public any longer," he says. "There was just a failure to protect the most vulnerable people in our state from abuse and neglect."

A Sudden Drop



The California Department of Public Health is required to notify the attorney general's office when its investigators find evidence of crimes, especially violent acts, at health care facilities. After 2009, the department all but stopped sending patient abuse deaths to state prosecutors.

Enlarge image i Center For Investigative Reporting/KQED Center For Investigative Reporting/KQED

Public health regulators are required to report all suspected crimes to the state attorney general. In the seven years before addressing the backlog, the department referred an average of 37 deaths a year. Last year, they referred three. The year before that, two.

"We don't understand that decline in numbers," Chapman says. "It's very concerning to me and we are looking into it." He says his staff is drafting agreements with the attorney general's office to improve communication.

As for Elsie Fossum's suspicious death, department investigators closed her case this year, and decided no action was warranted against her caregiver.

Also this year, however, the Los Angeles County Sheriff's Department opened a homicide investigation into Elsie Fossum's death. Her caregiver is the sole person of interest. Chapman now says he's willing to review the case.

Elsie Fossum's nephews and niece say they never heard from the Department of Public Health. Flynn says their calls and emails to state agencies and local police have turned up little information.

"I would think that this would be very chilling to anyone who has loved ones in a facility, especially if you think safeguards are in place and you think that staff are qualified and that this is being regulated, and this I find chilling," Flynn says.

This story was co-reported by Ryan Gabrielson at the Center for Investigative Reporting.

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Thursday, November 7, 2013

Doctors Slow To Embrace Recommended HPV Testing

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Saturday, November 2, 2013

So You Found An Exchange Plan. But Can You Find A Provider?

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Friday, November 1, 2013

Feds To Ease Restrictions On Flexible Spending Accounts

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Thursday, October 31, 2013

For The Young And Healthy, Health Insurance Is A Hard Sell

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For The Young And Healthy, Health Insurance Is A Hard Sell

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Saturday, October 26, 2013

PR Experts: Obamacare Message (Not Just The Site) Needs Fix

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Friday, October 25, 2013

Clinics Close As Texas Abortion Fight Continues

Listen to the Story 5 min 42 sec Playlist Download Transcript   Enlarge image i

In July, abortion rights advocates marched in Austin, Texas, to protest legislation that could shut down all but five abortion clinics and restrict abortion rights throughout the state.

Tamir Kalifa/AP

In July, abortion rights advocates marched in Austin, Texas, to protest legislation that could shut down all but five abortion clinics and restrict abortion rights throughout the state.

Tamir Kalifa/AP

The fight over abortion in Texas is being played out in federal court, where abortion rights activists are challenging a new state law.

The measure bans abortions at 20 weeks, adds building requirements for clinics and places more rules on doctors who perform abortions. Some clinics have shut down, saying they can't comply with the law set to go into effect Oct. 29.

Abortion rights activists call the new law a dramatic change that will affect all clinics across the state, including a huge Planned Parenthood facility in Fort Worth that opened in June.

It's a $6.5 million center with three surgical suites and 19,000 square feet of space, built specifically to meet the building standards that activists saw coming.

"You know, we did not think the laws would come as quickly as they did," says Ken Lambrecht, president and CEO of Planned Parenthood of Greater Texas.

He says three nurses are required to be in the clinic when abortions are performed. The law also mandates the size of operating rooms, the type of ventilation systems and the width of the hallways.

"You could fit at least two gurneys in this hallway, and it's the size of many hospital corridors," he says. "And it's certainly not necessary for the procedure."

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Lambrecht says there's no medical basis for the new law. He thinks the law is intended to increase costs and shut down clinics, most of which do not meet the new building codes.

Abortion rights groups are challenging the law. At a hearing this week, the state's attorney argued that Texas has the right to regulate clinics and has an interest in protecting the rights of the unborn.

"If the woman chooses to proceed with the abortion, she should have the best care and best environment possible," says state Rep. Jodie Laubenberg, who sponsored the measure.

She says the law is designed to make abortions safer.

"Why would anyone argue against making it a better place and a better environment?" she asks. "If a clinic closes, that is their choice. We're not forcing anyone to close."

Laws like the one in Texas have passed in more than a dozen states. As a result, clinics have closed in states from Virginia to Ohio, and in Texas.

Another provision threatening to close clinics requires doctors to have admitting privileges at a hospital within 30 miles of a facility.

But hospitals do not have to grant admitting privileges. Some say doctors must live in the local community. Others require them to admit a certain number of patients. Some don't approve of abortion.

The doctor in Fort Worth does have privileges, but the hospital is too far from the clinic. That means the brand new Planned Parenthood center there would also have to stop performing abortions.

Across the vast Texas plains, more than 300 miles from Fort Worth, is the city of Lubbock, in the northwest part of the state. It's just an hour from the New Mexico border, and it's home to a much smaller Planned Parenthood clinic. The facility recently stopped scheduling appointments.

Annie Jones recently had an abortion. She's a single mother working and going to school in Lubbock, and she has a 2-year-old daughter, Molly.

Jones, who is 28, says she decided to have an abortion because it was best for her family.

"I knew that if I decided to have the second child, I would be doing it a disservice," she says. "I'd be doing my daughter a disservice because I wouldn't be able to care for them in the way that they deserved."

At least three Texas clinics have closed since the law passed, and Jones is worried that this center could close, too.

"I think that the people who are passing the bills ... are trying to legislate morality, and they see abortion as wrong," she says.

For abortion opponents, passing the measure after a filibuster was a big victory. When Republican Gov. Rick Perry signed the bill, he said it would further what he called "the culture of life in Texas."

"It is our responsibility and duty to give voice to the unborn � the individuals whose survival is at stake," Perry said.

But abortion rights activists say the right to an abortion was decided 40 years ago.

Angela Martinez, director of the Lubbock clinic, says if her facility closes, women seeking abortions would have to travel more than 300 miles.

"We are the only clinic in West Texas who sees patients and performs abortions," Martinez says. "It's frustrating for me. It's frustrating for my staff, just because ... we want to be available."

Just outside the clinic on a recent crisp morning, a few protesters stand holding signs. Krysten Haga says she sees the law as a first step, not as the end of this debate.

"I'd like to see abortion completely banned in the United States," Haga says. "That's ideally what we're looking for � is for abortion to not be an option at all."

A federal judge is expected to rule soon whether part of the new Texas law will go into effect next week.

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Administration: A Month Needed To Fix Obamacare Enrollment Site

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Administration: A Month Needed To Fix Obamacare Enrollment Site

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Pennsylvania Governor Talks Up Plan To Expand Medicaid His Way

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Wednesday, October 23, 2013

FDA Asks Dog Owners For Help With Illnesses Linked To Jerky

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Tuesday, October 22, 2013

Online Insurance Brokers Stymied Selling Obamacare Policies

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Monday, October 21, 2013

5 Questions Kathleen Sebelius Must Answer

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If A Tech Company Had Built The Federal Health Care Website

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Friday, October 18, 2013

Why Scientists Are Trying Viruses To Beat Back Bacteria

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Obamacare Fight Leads Sen. Roberts To Turn Against Old Friend Sebelius

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Wednesday, October 16, 2013

To Reduce Patient Falls, Hospitals Try Alarms, More Nurses

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Friday, October 11, 2013

FAQ: Where Medicaid's Reach Has Expanded — And Where It Hasn't

This is one of several explainers to help consumers navigate their health insurance choices under the Affordable Care Act, or as some call it, Obamacare. Click here for answers to other common questions. Have a question we missed? Send it to health@npr.org. We may use it in a future on-air or online segment.

Could I be eligible for Medicaid now?

The Affordable Care Act greatly expanded the number of people who qualify for Medicaid, the state-run health insurance program for people with low incomes. Previously, it was difficult for anyone other than pregnant women, parents and children to qualify. The law expands eligibility in ways that will allow many more people, including single and childless men or women, to qualify.

How do I know if I'm eligible for Medicaid?

The law extends eligibility to all adults under the age of 65 whose modified adjusted gross incomes fall below just under $16,000 for individuals and $32,500 for a family of four.

In states that decided not to participate in the Medicaid expansion, the rules are different and vary from state to state. About half of the states opted out of the Medicaid expansion, which is something that the U.S. Supreme Court gave them permission to do. In those states, the income cutoff to be eligible for Medicaid is generally much lower than what was set in the Affordable Care Act, so fewer people will qualify. And if you're a childless adult, you're most likely not eligible in states that rejected the Medicaid expansion.

To find out the income cutoff in your state, check out the tables here.

Or, just try signing up for coverage at your health insurance exchange. The exchange will calculate if you are eligible for Medicaid in your state, and if you are, direct you to the proper state agency to get signed up. (Click here for our FAQ on how to navigate the exchanges).

How do I know if my state has expanded Medicaid?

The following states have said yes to the Medicaid expansion:

Arizona, Arkansas, California, Colorado, Connecticut, Delaware, D.C., Hawaii, Illinois, Iowa, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Nevada, New Jersey, New Mexico, New York, North Dakota, Oregon, Rhode Island, Vermont, Washington, West Virginia

The following states have said no to the Medicaid expansion or not yet decided:

Alabama, Alaska, Florida, Georgia, Idaho, Indiana, Kansas, Louisiana, Maine, Mississippi, Missouri, Montana, Nebraska, New Hampshire, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Wisconsin, Wyoming

This list is current as of Sept. 30, 2013. Check here for updates.

What if my state didn't expand Medicaid?

If your income is too high to qualify for Medicaid under your state's rules, you can still try enrolling at an insurance exchange. You may not qualify for subsidies, though. The subsidies are for people whose income falls between 100 percent of the federal poverty level ($11,490 for an individual) and 400 percent ($45,960).

If you make too much to qualify for Medicaid but too little to qualify for subsidies on the exchange, then you are exempted from the new mandate to carry health insurance. (See our FAQ on the individual mandate here.)

If that's your situation � you're poor and still have no health insurance � you can still seek health care with other safety net providers, such as federal community health centers and free clinics run by local nonprofits.

See other Frequently Asked Questions on the Affordable Care Act:

Understanding The Health Insurance Mandate And Penalties For Going Uninsured All About Health Insurance Exchanges And How To Shop At Them A Young Adult's Guide To New Health Insurance Choices What Retirees And Seniors Need To Know About The Affordable Care Act How Obamacare Affects Employers and How They're Responding

Additional coverage from NPR Member Stations:

California (KQED, San Francisco) California (KPCC) California (KXJZ Capital Public Radio, Sacramento) Colorado (Colorado Public Radio) Massachusetts (WBUR, Boston) Minnesota (Minnesota Public Radio) Georgia (WABE, Atlanta) New York (WNYC) Oregon (Oregon Public Broadcasting) Pennsylvania (WHYY newsworks.org) Texas (KUHF) Texas (KUT, San Antonio)

This FAQ was produced through a collaboration between NPR and Kaiser Health News, an editorially independent program of the Henry J. Kaiser Family Foundation, a nonpartisan health-care policy research organization. The Kaiser Family Foundation is not affiliated with Kaiser Permanente.

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FAQ: Where Medicaid's Reach Has Expanded — And Where It Hasn't

This is one of several explainers to help consumers navigate their health insurance choices under the Affordable Care Act, or as some call it, Obamacare. Click here for answers to other common questions. Have a question we missed? Send it to health@npr.org. We may use it in a future on-air or online segment.

Could I be eligible for Medicaid now?

The Affordable Care Act greatly expanded the number of people who qualify for Medicaid, the state-run health insurance program for people with low incomes. Previously, it was difficult for anyone other than pregnant women, parents and children to qualify. The law expands eligibility in ways that will allow many more people, including single and childless men or women, to qualify.

How do I know if I'm eligible for Medicaid?

The law extends eligibility to all adults under the age of 65 whose modified adjusted gross incomes fall below just under $16,000 for individuals and $32,500 for a family of four.

In states that decided not to participate in the Medicaid expansion, the rules are different and vary from state to state. About half of the states opted out of the Medicaid expansion, which is something that the U.S. Supreme Court gave them permission to do. In those states, the income cutoff to be eligible for Medicaid is generally much lower than what was set in the Affordable Care Act, so fewer people will qualify. And if you're a childless adult, you're most likely not eligible in states that rejected the Medicaid expansion.

To find out the income cutoff in your state, check out the tables here.

Or, just try signing up for coverage at your health insurance exchange. The exchange will calculate if you are eligible for Medicaid in your state, and if you are, direct you to the proper state agency to get signed up. (Click here for our FAQ on how to navigate the exchanges).

How do I know if my state has expanded Medicaid?

The following states have said yes to the Medicaid expansion:

Arizona, Arkansas, California, Colorado, Connecticut, Delaware, D.C., Hawaii, Illinois, Iowa, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Nevada, New Jersey, New Mexico, New York, North Dakota, Oregon, Rhode Island, Vermont, Washington, West Virginia

The following states have said no to the Medicaid expansion or not yet decided:

Alabama, Alaska, Florida, Georgia, Idaho, Indiana, Kansas, Louisiana, Maine, Mississippi, Missouri, Montana, Nebraska, New Hampshire, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Wisconsin, Wyoming

This list is current as of Sept. 30, 2013. Check here for updates.

What if my state didn't expand Medicaid?

If your income is too high to qualify for Medicaid under your state's rules, you can still try enrolling at an insurance exchange. You may not qualify for subsidies, though. The subsidies are for people whose income falls between 100 percent of the federal poverty level ($11,490 for an individual) and 400 percent ($45,960).

If you make too much to qualify for Medicaid but too little to qualify for subsidies on the exchange, then you are exempted from the new mandate to carry health insurance. (See our FAQ on the individual mandate here.)

If that's your situation � you're poor and still have no health insurance � you can still seek health care with other safety net providers, such as federal community health centers and free clinics run by local nonprofits.

See other Frequently Asked Questions on the Affordable Care Act:

Understanding The Health Insurance Mandate And Penalties For Going Uninsured All About Health Insurance Exchanges And How To Shop At Them A Young Adult's Guide To New Health Insurance Choices What Retirees And Seniors Need To Know About The Affordable Care Act How Obamacare Affects Employers and How They're Responding

Additional coverage from NPR Member Stations:

California (KQED, San Francisco) California (KPCC) California (KXJZ Capital Public Radio, Sacramento) Colorado (Colorado Public Radio) Massachusetts (WBUR, Boston) Minnesota (Minnesota Public Radio) Georgia (WABE, Atlanta) New York (WNYC) Oregon (Oregon Public Broadcasting) Pennsylvania (WHYY newsworks.org) Texas (KUHF) Texas (KUT, San Antonio)

This FAQ was produced through a collaboration between NPR and Kaiser Health News, an editorially independent program of the Henry J. Kaiser Family Foundation, a nonpartisan health-care policy research organization. The Kaiser Family Foundation is not affiliated with Kaiser Permanente.

Share Facebook Twitter Google+ Email Comment More From The Affordable Care Act, Explained HealthFAQ: Where Medicaid's Reach Has Expanded � And Where It Hasn'tHealthFAQ: How Obamacare Affects Employers And How They're RespondingHealthFAQ: What Retirees And Seniors Need To Know About The Affordable Care ActHealthFAQ: A Young Adult's Guide To New Health Insurance Choices

More From The Affordable Care Act, Explained

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Please keep your community civil. All comments must follow the NPR.org Community rules and terms of use, and will be moderated prior to posting. NPR reserves the right to use the comments we receive, in whole or in part, and to use the commenter's name and location, in any medium. See also the Terms of Use, Privacy Policy and Community FAQ.

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FAQ: Understanding The Health Insurance Mandate And Penalties For Going Uninsured

This is one of several explainers to help consumers navigate their health insurance choices under the Affordable Care Act, or as some call it, Obamacare. Click here for answers to other common questions. Have a question we missed? Send it to health@npr.org. We may use it in a future on-air or online segment.

So I have to carry health insurance?

Yes, just about everyone is required to have insurance as of Jan. 1, 2014, or else they'll be liable for a tax penalty. That coverage can be supplied through your job (including COBRA or a retirement plan), public programs such as Medicare, Medicaid or the VA, or an individual policy that you purchase.

What is the penalty for not having health insurance?

The penalty for not having health insurance, at least for 2014, is up to $95 per adult and $47.50 per child or 1 percent of your taxable income � whichever is greater. It does go up substantially in a couple of years, eventually to a maximum of 2.5 percent of taxable income. The amount you owe will be pro-rated to reflect the number of months you were without coverage.

If you owe the penalty, it is assessed on your 2014 income tax form that's due April 15, 2015. And that's how the government finds you � it asks on your income tax form if you had health insurance. People who have it will get some sort of certificate of coverage from their health insurers. If your income is so low that you do not file a tax return, you are exempt from paying the penalty.

Can I go to jail if I don't have health insurance?

No, you can't go to jail for not paying the penalty; the government can't even garnish your wages. The most the IRS can do is withhold your tax refund.

What if I don't have health insurance and I get sick or have to go to the emergency room?

If you don't have insurance, you'll get a bill, just as it's always been. If you can't pay, the hospital or other health care provider will still try to collect from you, although there are some provisions of the law aimed at discouraging some of the most aggressive collection tactics that have been used in the past. If they don't collect, the health care provider would have to eat the cost. That's why hospitals were so anxious to have most people covered by insurance, so they could stop having to provide so much free care to people who couldn't pay.

Can I wait until I get sick to sign up for insurance?

No. You can't just sign up when you're sick and facing big medical bills. Otherwise that's what everyone would do. The exchanges under the Affordable Care Act have been designed pretty much the same way most employer insurance plans are: There's an open season every year when you can buy or change plans, and that's generally the only time you can buy or change plans. This year's open season is a lengthy one � it runs from Oct. 1 to March 31, 2014. In future years it will begin in October and end in December of each year.

Is there anybody who doesn't have to have insurance?

Yes, the government has identified exemptions. Individuals who cannot afford coverage because the cost of premiums exceed 8 percent of their household income or those whose household incomes are below the minimum threshold for filing a tax return are exempt. People experiencing certain hardships, including those who would have been eligible for Medicaid under the health law's new rules but whose states chose not to expand their programs, also are exempt.

Other exempt groups include prisoners, Native Americans eligible for care through the Indian Health Service, immigrants who are in the country illegally, people whose religion objects to having insurance coverage, members of a health care sharing ministry and individuals who experience a short coverage gap of less than three consecutive months.

If you are seeking an exemption for incarceration, membership in an Indian tribe or health care sharing ministry, you can apply through the health insurance exchanges or make a claim when you file taxes. If you are claiming economic hardship or a religious exemption, you must get an exemption certificate from the online insurance exchange. If you are claiming that coverage is unaffordable, that you are in the United States without proper documentation or that you have a coverage gap of less than three months, you can make the claim when you file your 2014 taxes in 2015.

See other Frequently Asked Questions on the Affordable Care Act:

All About Health Insurance Exchanges And How To Shop At Them A Young Adult's Guide To New Health Insurance Choices What Retirees And Seniors Need To Know About The Affordable Care Act How Obamacare Affects Employers And How They're Responding Where Medicaid's Reach Has Expanded � And Where It Hasn't

Additional coverage from NPR Member Stations:

California (KQED, San Francisco) California (KPCC) California (KXJZ Capital Public Radio, Sacramento) Colorado (Colorado Public Radio) Massachusetts (WBUR, Boston) Minnesota (Minnesota Public Radio) Georgia (WABE, Atlanta) New York (WNYC) Oregon (Oregon Public Broadcasting) Pennsylvania (WHYY newsworks.org) Texas (KUHF) Texas (KUT, San Antonio)

This FAQ was produced through a collaboration between NPR and Kaiser Health News, an editorially independent program of the Henry J. Kaiser Family Foundation, a nonpartisan health-care policy research organization. The Kaiser Family Foundation is not affiliated with Kaiser Permanente.

Share Facebook Twitter Google+ Email Comment More From The Affordable Care Act, Explained HealthFAQ: Where Medicaid's Reach Has Expanded � And Where It Hasn'tHealthFAQ: How Obamacare Affects Employers And How They're RespondingHealthFAQ: What Retirees And Seniors Need To Know About The Affordable Care ActHealthFAQ: A Young Adult's Guide To New Health Insurance Choices

More From The Affordable Care Act, Explained

Comments   You must be signed in to leave a comment. Sign In / Register

Please keep your community civil. All comments must follow the NPR.org Community rules and terms of use, and will be moderated prior to posting. NPR reserves the right to use the comments we receive, in whole or in part, and to use the commenter's name and location, in any medium. See also the Terms of Use, Privacy Policy and Community FAQ.

Please enable Javascript to view the comments powered by Disqus.

FAQ: Understanding The Health Insurance Mandate And Penalties For Going Uninsured

This is one of several explainers to help consumers navigate their health insurance choices under the Affordable Care Act, or as some call it, Obamacare. Click here for answers to other common questions. Have a question we missed? Send it to health@npr.org. We may use it in a future on-air or online segment.

So I have to carry health insurance?

Yes, just about everyone is required to have insurance as of Jan. 1, 2014, or else they'll be liable for a tax penalty. That coverage can be supplied through your job (including COBRA or a retirement plan), public programs such as Medicare, Medicaid or the VA, or an individual policy that you purchase.

What is the penalty for not having health insurance?

The penalty for not having health insurance, at least for 2014, is up to $95 per adult and $47.50 per child or 1 percent of your taxable income � whichever is greater. It does go up substantially in a couple of years, eventually to a maximum of 2.5 percent of taxable income. The amount you owe will be pro-rated to reflect the number of months you were without coverage.

If you owe the penalty, it is assessed on your 2014 income tax form that's due April 15, 2015. And that's how the government finds you � it asks on your income tax form if you had health insurance. People who have it will get some sort of certificate of coverage from their health insurers. If your income is so low that you do not file a tax return, you are exempt from paying the penalty.

Can I go to jail if I don't have health insurance?

No, you can't go to jail for not paying the penalty; the government can't even garnish your wages. The most the IRS can do is withhold your tax refund.

What if I don't have health insurance and I get sick or have to go to the emergency room?

If you don't have insurance, you'll get a bill, just as it's always been. If you can't pay, the hospital or other health care provider will still try to collect from you, although there are some provisions of the law aimed at discouraging some of the most aggressive collection tactics that have been used in the past. If they don't collect, the health care provider would have to eat the cost. That's why hospitals were so anxious to have most people covered by insurance, so they could stop having to provide so much free care to people who couldn't pay.

Can I wait until I get sick to sign up for insurance?

No. You can't just sign up when you're sick and facing big medical bills. Otherwise that's what everyone would do. The exchanges under the Affordable Care Act have been designed pretty much the same way most employer insurance plans are: There's an open season every year when you can buy or change plans, and that's generally the only time you can buy or change plans. This year's open season is a lengthy one � it runs from Oct. 1 to March 31, 2014. In future years it will begin in October and end in December of each year.

Is there anybody who doesn't have to have insurance?

Yes, the government has identified exemptions. Individuals who cannot afford coverage because the cost of premiums exceed 8 percent of their household income or those whose household incomes are below the minimum threshold for filing a tax return are exempt. People experiencing certain hardships, including those who would have been eligible for Medicaid under the health law's new rules but whose states chose not to expand their programs, also are exempt.

Other exempt groups include prisoners, Native Americans eligible for care through the Indian Health Service, immigrants who are in the country illegally, people whose religion objects to having insurance coverage, members of a health care sharing ministry and individuals who experience a short coverage gap of less than three consecutive months.

If you are seeking an exemption for incarceration, membership in an Indian tribe or health care sharing ministry, you can apply through the health insurance exchanges or make a claim when you file taxes. If you are claiming economic hardship or a religious exemption, you must get an exemption certificate from the online insurance exchange. If you are claiming that coverage is unaffordable, that you are in the United States without proper documentation or that you have a coverage gap of less than three months, you can make the claim when you file your 2014 taxes in 2015.

See other Frequently Asked Questions on the Affordable Care Act:

All About Health Insurance Exchanges And How To Shop At Them A Young Adult's Guide To New Health Insurance Choices What Retirees And Seniors Need To Know About The Affordable Care Act How Obamacare Affects Employers And How They're Responding Where Medicaid's Reach Has Expanded � And Where It Hasn't

Additional coverage from NPR Member Stations:

California (KQED, San Francisco) California (KPCC) California (KXJZ Capital Public Radio, Sacramento) Colorado (Colorado Public Radio) Massachusetts (WBUR, Boston) Minnesota (Minnesota Public Radio) Georgia (WABE, Atlanta) New York (WNYC) Oregon (Oregon Public Broadcasting) Pennsylvania (WHYY newsworks.org) Texas (KUHF) Texas (KUT, San Antonio)

This FAQ was produced through a collaboration between NPR and Kaiser Health News, an editorially independent program of the Henry J. Kaiser Family Foundation, a nonpartisan health-care policy research organization. The Kaiser Family Foundation is not affiliated with Kaiser Permanente.

Share Facebook Twitter Google+ Email Comment More From The Affordable Care Act, Explained HealthFAQ: Where Medicaid's Reach Has Expanded � And Where It Hasn'tHealthFAQ: How Obamacare Affects Employers And How They're RespondingHealthFAQ: What Retirees And Seniors Need To Know About The Affordable Care ActHealthFAQ: A Young Adult's Guide To New Health Insurance Choices

More From The Affordable Care Act, Explained

Comments   You must be signed in to leave a comment. Sign In / Register

Please keep your community civil. All comments must follow the NPR.org Community rules and terms of use, and will be moderated prior to posting. NPR reserves the right to use the comments we receive, in whole or in part, and to use the commenter's name and location, in any medium. See also the Terms of Use, Privacy Policy and Community FAQ.

Please enable Javascript to view the comments powered by Disqus.