Forbes contributor, Avik Roy, thinks he has the answer to why the Obamacare site crashes so easily. Because Obama wants it to. That is why they set it up as a two step process. Step one is where you enter all your private and personal infomation. They use this information to calculate your subsidy if any. The second part is where you find out how much coverage is going to cost you.
Since day one, Obama has been insisting that Obamacare would bring down the cost of health insurance. Roy contends that was never the plan. He suggests that Obama knew full well that the costs for the middle class would rise dramatically, because he needed their money to dole out subsidies for the poor.
Christopher Weaver and Louise Radnofsky in the Wall Street Journal, reported:
“Healthcare.gov was initially going to include an option to browse before registering. But that tool was delayed, people familiar with the situation said. An HHS spokeswoman said the agency wanted to ensure that users were aware of their eligibility for subsidies that could help pay for coverage, before they started seeing the prices of policies.”
Roy and as part of the Manhattan Institute analysis calculated that the cheapest policy for a man would rise 99%, while the cheapest policies for a woman, would rise by 62%.
Roy then asks a thought provoking question. If the goal was to make insurance cheaper for the 50 million uninsured, who remain that way because the cost is too high, why is it good to make it even costlier. He provides his own answer. By driving up the cost, the middle class would pay considerably more and that additional money will subsidize the poor.
But Obama and the democrats don't want you to know that because it would reveal that Obama was being dishonest about the law's intention. Also, the poor might get upset and give up when they saw the cost of the poilicies before they knew what subsidies they are eligible for. This way, they can advertise that your price is o or 40 dollars instead of 200 or 160 a month.
Their objective was to mask the true cost of the Obamacare policies, for political purposes, and to them, that was more important than to make the website operate more effectively. Roy says, that you shoulder consider this. If Obamacare policies were really truly cheaper, then they wouldn't need to hide the costs.
Compare the Obamacare site to that of a private carrier such as eHealthInsurance.com, where you can shop by merely posting your age and zip code. Then only people who are interested in paying that money would continue on, dropping the volume as opposed to raising the volume by withholding the information.
Jay Angoff, a former federal official, in the department handling this says you should be able to shop for prices first.
Obama and his advisers have known since at least February that the system would not be up for the task and there were major problems with it. They could have avoided all of these problems by allowing people to shop first thus avoid the bottlenecking that's taking place, but to do that, they would have had to admit that the Affordable Care Act was anything but affordable.