Thursday, October 31, 2013

Add Security To The List Of HealthCare.gov Tech Issues

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Rep. Mike Rogers, R-Mich., asks about website security questions Wednesday at a House Energy and Commerce Committee hearing on problems with HealthCare.gov.

Chip Somodevilla/Getty Images

Rep. Mike Rogers, R-Mich., asks about website security questions Wednesday at a House Energy and Commerce Committee hearing on problems with HealthCare.gov.

Chip Somodevilla/Getty Images

To the long list of problems plaguing HealthCare.gov, add data security. The enrollment site for the new health insurance exchanges had a security flaw that didn't get patched up when the exchange marketplace went live.

An internal government memo obtained by The Washington Post and Associated Press is dated Sept. 27 � four days before the HealthCare.gov website went live. It shows the government decided to go forward with launching the site even though there were "inherent security risks."

The memo says that from a security perspective, aspects of the system that were not tested due to the ongoing development "exposed a level of uncertainty that can be deemed as a high risk for FFM [Federally Facilitated Marketplace]."

Under federal government cybersecurity protocol, someone has to sign off on temporary certifications to operate despite security risks, and in testimony before the House Energy and Commerce panel Wednesday, Health and Human Services Secretary Kathleen Sebelius said that temporary authority was granted because a security risk "mitigation plan" was in place.

All Tech Considered What's A 'Glitch,' Anyway? A Brief Linguistic History All Tech Considered A Diagram Of HealthCare.gov, Based On The People Who Built It Sebelius: Hold Me Accountable For HealthCare.gov Debacle 4 min 15 sec Add to Playlist Download  

"You accepted a risk of every user of this computer that put their personal financial information at risk," said Rep. Mike Rogers, R-Mich., while questioning Sebelius.

The personal information going into HealthCare.gov includes birth date, Social Security number and an estimated income range. Sebelius emphasized that the additional security controls gave the agency confidence in going ahead with the launch, despite the audit showing a security gap.

"They get to make those decisions and those tradeoffs," says Waylon Krush, CEO of LunarLine, a cybersecurity firm that does work with dozens of federal government agencies, including HHS. "[Agency systems] process, store, manage, review a lot more sensitive data than what your general citizen is gonna put on HealthCare.gov, so I would say, from a risk perspective, it's pretty low, actually."

But the agency's technological credibility is dwindling, as programmers rush to fix ongoing issues with the error-riddled system. Now, programmers have to make sure they don't introduce new security risks with each patch.

"I know they're doing simultaneous testing as new code is loaded," Sebelius said Wednesday. Krush says this attention on security presents a good reminder for all of us.

"Everyone should always ask those questions, whether it's commercial or government, 'How are you protecting my data?' " he says.

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Congressmen Berate Sebelius For Cancellations, Website Woes

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Wednesday, October 30, 2013

The Long List Of Health Apps Features Few Clear Winners

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Obama Vows HealthCare.gov Problems Will Be Fixed 'ASAP'

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Tuesday, October 29, 2013

Insurance Cancellations Elbow Out Website Woes At Health Hearing

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Obamacare Enrollment Period Extended 6 Weeks

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Saturday, October 26, 2013

'Loyal Soldier' Sebelius Vows To Stay Put, Fix HealthCare.gov

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Health and Human Services Secretary Kathleen Sebelius speaks Thursday in Phoenix.

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Health and Human Services Secretary Kathleen Sebelius speaks Thursday in Phoenix.

Laura Segall/Getty Images

This has not been an easy month for Health and Human Services Secretary Kathleen Sebelius.

Republican Sen. Pat Roberts of Kansas � who learned the political ropes working for Sebelius' father-in-law, then a Kansas congressman � called for her to step down over the debut of HealthCare.gov, the problem-plagued website where people are supposed to apply for coverage under the Affordable Care Act.

Invited on the usually friendly-to-Democrats The Daily Show, Sebelius was lampooned by host Jon Stewart, who challenged her to a race of sorts: "I'm going to try and download every movie ever made, and you're going to try to sign up for Obamacare, and we'll see which happens first."

And while she was able to laugh off Stewart's opening gag, Sebelius had trouble clearly explaining why, if businesses have been given an extra year to implement Obamacare, individuals shouldn't have the same delay.

Sebelius served six years as the Democratic governor of largely Republican Kansas. She is the daughter of the late Ohio Gov. John Gilligan. University of Kansas political science professor Burdett Loomis says she remains popular at home, despite the hits she's been taking in Washington:

"This hasn't been an easy time for her. The Obamacare rollout has clearly been problematic; she pretty much got roasted on Jon Stewart; but she's been a loyal soldier to Barack Obama and I think she truly believes that Obamacare is in the best interest of the country."

Seven years ago the Bush administration unveiled Medicare Part D, which provides seniors with prescription drug benefits. The website for that program had a similarly rocky debut. The HHS secretary then was former Utah Gov. Mike Leavitt, who notes Sebelius did not make many of the key decisions regarding the rollout of Obamacare. Leavitt says he empathizes with Sebelius:

"It's much like being the pilot of an airplane full of passengers sitting on the tarmac with a series of complications you don't entirely control. It's better to say to the passengers, 'This is where we are. This is how much time we expect it'll take. ... Here's what we're doing to remedy it and here's how it's going to affect you. We're doing our best.' "

Before being elected governor, Sebelius was Kansas insurance commissioner. The Republican occupant of the job now, Sandy Praeger, says the glitches in the rollout of Obamacare are not Sebelius' fault.

"The complexity of what she's having to deal with is massive and in an environment that's been pretty politically charged, to say the least. So I have a great deal of sympathy for what she's having to work through," says Praeger. "I know she's probably very frustrated."

Praeger says calls for Sebelius to resign are totally inappropriate. And in an appearance in Phoenix, Sebelius rejected Republican demands she step down.

'The majority of people calling for me to resign I would say are people who I don't work for and who do not want this program to work in the first place," Sebelius said Thursday. "I have had frequent conversations with the president and I have committed to him that my role is to get the program up and running, and we will do just that."

Sebelius is expected to testify before a House committee investigating the Affordable Care Act's implementation as soon as Wednesday.

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Wednesday, October 23, 2013

White House Turns To 'Rock Star' Manager For Obamacare Fix

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Why Postponing Insurance Mandate Is No Easy Fix For Obamacare

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Tuesday, October 22, 2013

How Politics Set The Stage For The Obamacare Website Meltdown

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Enrollments For Health Care Exchanges Trickle In, Slowly

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Monday, October 21, 2013

Enrollments For Health Care Exchanges Trickle In, Slowly

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Friday, October 18, 2013

Why Scientists Are Trying Viruses To Beat Back Bacteria

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Why Scientists Are Trying Viruses To Beat Back Bacteria

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Friday, October 11, 2013

California Trains Helpers To Meet Demand For Health Insurance

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FAQ: How Obamacare Affects Employers And How They're Responding

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.

Do employers have to do anything different under the Affordable Care Act?

Not right away. The only thing required of employers at the start is that they notify workers that the new health insurance exchanges have opened. You may have received a letter from your employer to this effect � you probably don't need to do anything.

Starting in 2015, large employers with 50 or more workers have a responsibility � but no mandate � to offer employees health coverage. If they don't, they may face fines, but only if their workers go to health insurance exchanges and have earnings low enough to qualify for federal subsidies. Stores and restaurants � less likely to offer health insurance in the past � may be most affected. The coverage rule doesn't affect workers who put in less than 30 hours a week.

There are no responsibilities for small employers with fewer than 50 workers. If they want to buy coverage for their employees, the insurance exchanges represent a new option for them in terms of where to shop. Certain employers with fewer than 25 workers are eligible for federal tax credits. To qualify, the company has to cover at least half of the premium for all of its employees, and also have average wages of less than $50,000. For details on these tax credits, see this answer sheet from the IRS.

Will my employer cut back on my insurance coverage?

A number of employers have been overhauling the health benefits they offer employees, citing rising costs.

There are two themes to what they are doing. In trying to control their own spending, employers often are shifting health costs to employees. So the average annual deductible for an individual � what consumers pay before insurance kicks in � nearly doubled in the past seven years, from $584 in 2006 to $1,135 this year, according to the Kaiser Family Foundation.

But employers aren't just making workers pay more. They're trying to make them think more about health-related expenses and behavior.

Companies such as grocer Kroger Co. pay only a fixed amount for particular drugs or procedures, giving patients incentive to shop around for the best price. IBM started giving rebates to workers who adopt healthy lifestyles. Penalizing smokers with surcharges is one of the few discriminatory measures the health act allows.

What about part-time workers?

Nothing in the Affordable Care Act says that employers have to cover part-time workers. The law defines part time as someone who works less than 30 hours a week.

Some employers that have offered part-time workers minimal coverage, such as Trader Joe's and Home Depot, have dropped it on the grounds that those workers can now find coverage through the insurance exchanges. Most workers in this situation will be pleased with the outcome. They'll likely find better coverage than what they had for less money. Although depending on the situation, some people may see their premiums go up.

Are employers reducing their workforce as a result of the Affordable Care Act?

There have been reports of employers holding back on hiring in order to stay under the 50-employee threshold that triggers health insurance responsibilities. There also have been reports of employers cutting workers' hours to below 30 per week so that they don't count as full-time. While there is anecdotal evidence of both things happening, there's no evidence that those cases have added up to a broader drag on the economy as a whole.

Will my company stop offering coverage to my spouse and dependents?

Some companies, including UPS, have decided to stop covering working spouses if they have access to coverage at their own jobs. The health law does not require employers to cover spouses, but surveys show that only a minority of companies have implemented a "spousal exclusion."

However, employers increasingly offer incentives to get spouses off their plans. They may charge workers extra if a covered spouse has access to other insurance, or they may pay bonuses when spouses are not on the company policy.

The health law requires employers who offer coverage to employees to also offer coverage to dependent children, or pay a penalty.

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 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.

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Thursday, October 10, 2013

Employers Trim Health Costs By Cutting Coverage For Spouses

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Tuesday, October 8, 2013

From Therapy Dogs To New Patients, Federal Shutdown Hits NIH

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Small Businesses May Find Insurance Relief In Exchanges

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Part-Time Workers Search New Exchanges For Health Insurance

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Back To Work After A Baby, But Without Health Insurance

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Monday, October 7, 2013

Back To Work After A Baby, But Without Health Insurance

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Exchange Shopping Starts Now, But No Need To Rush

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Part-Time Workers Search New Exchanges For Health Insurance

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