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<p style="font-size:xx-small;"> 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
and every page.When the first draft of the application turned out
to be a clunker, "immediately, everybody sat around the table and said,
`Well, this is too long, especially...in this age of the Internet,"' Obama
recounted. "`People aren't going to have the patience to sit there for
hours on end. Let's streamline this thing."'His administration is open to
making improvements, Obama added: "Those kinds of refinements, we're going
to be working on."Consumers will start getting familiar with the new applications
less than six months from now, on Oct. 1, when new insurance
markets open for enrollment in every state. Most people with job-based benefits
will not have to bother with the applications, only the uninsured.Under
the law, middle-class people who don't get coverage through their jobs will
be able to purchase private insurance. Most will be able to get
tax credits, based on their incomes, to make their premiums more affordable.
Low-income uninsured people will be steered to government programs like
Medicaid.Benefits begin Jan. 1, and nearly 30 million uninsured Americans
are eventually expected to get coverage.While the first drafts of the applications
were widely panned, the new forms were seen as an improvement. Still,
consumers must provide a snapshot of their finances to see if they
qualify for help. That potentially includes multiple sources of income --
from alimony, to tips, to regular paychecks."Given the amount of information
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