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Spotlight on healthcare insurance

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Insurance, in general, can be a confusing topic for anyone. Add to that, the latest, Obamacare. The pros and cons of the Affordable Care Act have been bandied about since its conception and to this day, everyone is holding their breath to see how it all shakes down. One thing we know for sure, the current legislation is not going to be thrown out. It may be slightly amended, but President Obama has made it clear that during his term, the Affordable Care Act will not be going anywhere soon.

"We aren't going back," Obama said in his White House speech. "If I've got another three years this law works, that's what I'll do. We're not repealing it, as long as I'm president. I want to be clear about that. We will make this work."

We took up the fight because we believe that, in America, nobody should have to worry about going broke just because somebody in their family or they got sick," Obama said. "We believe that nobody should have to choose between putting food on their kids' table or taking them to see the doctor."

They may have originally sounded like lofty goals, but most will admit they are reasonable.

In light of recent health insurance policy cancellations, Obama's camp is suggesting a one-year continuation on current policies. But states, such as New York and Washington are reporting a surge in enrollment on their state-based websites and aren't interested in the reform. In fact, states that are using their own marketplace websites have experienced large increases in November and already in December. Yet, overall every state is bringing in fewer enrollments than projected.

Insurance companies around the country have expressed both positive and negative feedback. Mostly the agents are just doing their best to keep up with new information as the federal government sorts things out and solves the "glitches" on the healthcare.gov website.

There are also insurance agencies that have made it their business to guide the others and lead the pack. In Florida, the Insurance Consultants of Central Florida is spearheading the healthcare movement by offering up-to-the-minute information on all available options and making the selection process much easier.

It's been a rough start, but at this point anything could happen. We might actually see positive results from what originally looked like the potential for a government debacle. One would hope that with the enormous amount of sweat and financial equity already expended in Obamacare, that the result will exceed our expectations and provide healthcare for everyone in our country.

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