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necessary to determine eligibility, it's hard to see how the forms could 
be any shorter," said Robert Laszewski, a former insurance executive turned 
industry consultant.Activist Ron Pollack, executive director of Families 
USA, is an administration ally who had openly criticized the first draft 
of the forms, worrying that consumers would get discouraged just trying 
to fill them out. He called the changes "very positive.""There has got 
to be a balance to between getting adequate (financial) information to make 
sure everybody gets the help they're entitled to under the law, while 
at the same time trying to keep the process consumer-friendly," said Pollack.Although 
the new forms are shorter, the administration wasn't able to get rid 
of all the complexity. Individuals will have to gather tax returns, pay 
stubs and other financial records before filling out the application.Administration 
officials expect most consumers to apply online through the new insurance 
marketplaces in each state. A single application process will serve to route 
consumers to either private plans or the Medicaid program. Identification, 
citizenship and immigration status, as well as income details, are supposed 
to be verified in close to real time through a federal "data 
hub" that will involve pinging Social Security, Homeland Security and the 
Internal Revenue Service.Currently, applying for health insurance individually 
entails filling out a lengthy questionnaire about y
ised Watt as a first-rate selection. Both were 
classmates at the University of North Carolina at Chapel Hill. Bowles, the 
Democrat in a debt-tackling partnership with former Republican Sen. Alan 
Simpson of Wyoming, said Watt brings "a bright mind, great work habits 
and an understanding of how Washington works to the job."Hugh McColl, former 
Bank of America chairman and CEO, also welcomed Watt's nomination. McColl 
said he has known Watt for four decades, first meeting him through 
his brother-in-law, former Rep. John Spratt, D-S.C., who attended Yale Law 
School at the same time as Watt."What he brings to everything, doesn't 
matter the subject, is an open mind," McColl said. "He has clarity 
of thought."Charlotte is a major banking center, and the top donors to 
Watt's political campaigns over the years have been bank political action 
committees and bank officials and employees.His nomination comes nearly 
a year after DeMarco, who has been acting director, stood by a 
decision to bar Fannie and Freddie from reducing principal for borrowers 
at risk of foreclosure, resisting pressure from the administration. DeMarco 
long has opposed allowing the mortgage giants to offer principal reduction.In 
March, attorneys general from nine states, led by Democrats Eric Schneiderman 
of New York and Martha Coakley of Massachusetts, sent Obama a letter 
saying that Fannie and Freddie under DeMarco have been a "direct impediment 
to our economic recovery."
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