"It profits me but little that a vigilant authority always protects the tranquillity of my pleasures and constantly averts all dangers from my path, without my care or concern, if this same authority is the absolute master of my liberty and my life."

--Alexis de Tocqueville, Democracy in America

Thursday, November 14, 2013

Fisking the President's Presser on the Obamacare Debacle -- Obama Has His "Jump the Shark" Moment

It's almost painful to have to read the meandering, stupid, contradictory, narcissistic idiocy of the President's press conference Thursday on Obamacare.   But someone has to do it, so here goes:

PRESIDENT OBAMA: Good morning, everybody -- or good afternoon. Today I want to update the American people on our efforts to implement and improve the Affordable Care Act. And I'll take a couple of your questions....

... it has now been six weeks since the Affordable Care Act's new marketplaces opened for business. I think it's fair to say that the rollout has been rough so far, and I think everybody understands that I'm not happy about the fact that the rollout has been, you know, wrought with a whole range of problems that I've been deeply concerned about.

We start with a typica Obama-ism... he's "not happy" about something that he was responsible for himself.   Obama continues to act as if he's just a taking a White House tour, and not the President who is actually supposed to be managing the government.   And I am so tired with the trope of how "deeply concerned" he is.   Not just "concerned," but "deeply concerned."   Beyond being a cliche, it's a complete falsehood... people who are deeply concerned about something try to do their job correctly.   They don't go play golf 150 times and then, when the business goes bankrupt or the case gets dismissed or the patient dies, say that they are "deeply concerned" after the fact.  

But today, I want to talk about what we know after these first few weeks and what we're doing to implement and improve the law. Yesterday, the White House announced that in the first month, more than a hundred thousand Americans successfully enrolled in new insurance plans. Is that as high a number as we'd like? Absolutely not. But it does mean that people want affordable health care

Wrong... it means the opposite.   If only 100,000 people out of the 47 million uninsured bothered to persevere long enough to successfully enroll in an Obamacare plan (and putting aside the expansive definition of "enroll" Obama is using), that means that about 46.9/47 million people didn't care enough to keep trying over the course of a whole month.   If being "uninsured" were such a hardship, the number should have been much, much higher, and if the website didn't work, you should have seen mass demonstrations outside government offices.   You didn't see any of that.   This is a vast new program built on a fallacy of "demand" for healthcare.


The problems of the website have prevented too many Americans from completing the enrollment process, and that's on us, not on them. But there's no question that there's real demand for quality, affordable health insurance. In the first month, nearly a million people successfully completed an application for themselves or their families.

See above.   To get to 100,000 enrollments Obama has to count people who simply put a "plan" into their "shopping cart," but didn't actually complete the process.   Now he's trying to inflate the number by saying that a million people completed an "application."   But they had to complete the application to see what the prices were, and then, presumably, many of them got "sticker shock" and quit.  

Those applications represent more than 1.5 million people. Of those 1.5 million people, 106,000 of them have successfully signed up to get covered.

Still inflating.   Obama should go back to the University of Chicago Law School and teach a course in how to lie with numbers.

Another 396,000 have the ability to gain access to Medicaid under the Affordable Care Act. That's been less reported on, but it shouldn't be. You know, Americans who are having a difficult time, who are poor, many of them working, may have a disability, they're Americans like everybody else. And the fact that they are now able to get insurance is going to be critically important.

Medicaid is not insurance!   It's a government welfare program for poor people.   If Obama had sold Obamacare as... hey, we're going to enact a massive new wealth transfer entitlement for the poor on top of food stamps and welfare and the existing Medicaid system, I suspect he wouldn't have gotten it passed.

Later today I'll be in Ohio, where Governor Kasich, a Republican, has expanded Medicaid under the Affordable Care Act, and as many as 275,000 Ohioans will ultimately be better off because of it. And if every governor followed suit, another 5.4 million Americans could gain access to health care next year.
So bottom line is in just one month, despite all the problems that we've seen with the website, more than 500,000 Americans could know the security of health care by January 1st, many of them for the first time in their lives. And that's life-changing, and it's significant.

That still leaves about 1 million Americans who successfully made it through the website and now qualify to buy insurance but haven't picked a plan yet. And there's no question that if the website were working as it's supposed to, that number would be much higher of people who've actually enrolled.

So that's problem number one, making sure that the website works the way it's supposed to. It's gotten a lot better over the last few weeks than it was on the first day, but we're working 24/7 to get it working for the vast majority of Americans in a smooth, consistent way.

The other problem that has received a lot of attention concerns Americans who've received letters from their insurers that they may be losing the plans they bought in the old individual market, often because they no longer meet the law's requirements to cover basic benefits like prescription drugs or doctor's visits.

Now, as I indicated earlier, I completely get how upsetting this can be for a lot of Americans, particularly after assurances they heard from me that if they had a plan that they liked they could keep it. And to those Americans, I hear you loud and clear. I said that I would do everything we can to fix this problem. And today I'm offering an idea that will help do it.

Already people who have plans that pre-date the Affordable Care Act can keep those plans if they haven't changed. That was already in the law. That's what's called a grandfather clause that was included in the law. Today we're going to extend that principle both to people whose plans have changed since the law too effect and to people who bought plans since the law took effect.

Hmmm... I'm no Constitutional Law professor, but it seems that if there is this thing called a clause in another thing called a law in a bigger thing called an Act, then to "extend that principle" to other people you need another clause in another law in another Act, and all that needs to be passed by this little thing we call


But maybe Obama knows more than I do, given that he got his law degree from Harvard.   Not sure what his grades were, but... 

So state insurance commissioners still have the power to decide what plans can and can't be sold in their states, but the bottom line is insurers can extend current plans that would otherwise be cancelled into 2014. And Americans whose plans have been cancelled can choose to re-enroll in the same kind of plan.

Can they?   Really?   Because insurers haven't made any changes in their programs because of Obamacare.   Insurers will just rewrite their policies and rework their systems and reallocate their resources and personnel and do all of those things in a frictionless universe because Obama said so.  Sure.   That's the ticket.

We're also requiring insurers to extend current plans to inform their customers about two things: One, that protections -- what protections these renewed plans don't include. Number two, that the marketplace offers new options with better coverage and tax credits that might help you bring down the cost.

So if your received one of these letters I'd encourage you to take a look at the marketplace. Even if the website isn't working as smoothly as it should be for everybody yet, the plan comparison tool that lets you browse cost for new plans near you is working just fine.
Now, this fix won't solve every problem for every person, but it's going to help a lot of people. Doing more will require work with Congress. And I've said from the beginning that I'm willing to work with Democrats and Republicans to fix problems as they arise.

Oh, you're shitting me, right?   Because a month ago if people like me said that we maybe ought to think about delaying Obamacare, you and people like you called me a racist extremist.   But now that your legacy is headed down the crapper, you'd love to have some bipartisan blame-sharing, wouldn't you?

This is an example of what I was talking about. We can always make this law work better.

It is important to understand, though, that the old individual market was not working well. And it's important that we don't pretend that somehow that's a place worth going back to. Too often it works fine as long as you stay healthy. It doesn't work well when you're sick. So year after year, Americans were routinely exposed to financial ruin or denied coverage due to minor pre-existing conditions or dropped from coverage altogether even if they've paid their premiums on time. That's one of the reasons we pursued this reform in the first place.

And that's why I will not accept proposals that are just another brazen attempt to undermine or repeal the overall law and drag us back into a broken system. We will continue to make the case, even to folks who choose to keep their own plans, that they should shop around in the new marketplace because there's a good chance that they'll be able to buy better insurance at lower cost.

So we're going to do everything we can to help the Americans who've received these cancellation notices. But I also want everybody to remember that there are still 40 million Americans who don't have health insurance at all. I'm not going to walk away from 40 million people who have the chance to get health insurance for the first time.

And what have they done with their "chance"?   Well, in the first month when they had that chance, 99.8% said, "meh, I'd rather watch Youtube and dick around on Facebook."

And I'm not going to walk away from something that has helped the cost of health care grow at its slowest rate in 50 years.

So we're at the opening weeks of the project to build a better health care system for everybody, a system that will offer real financial security and peace of mind to millions of Americans.

It is a complex process. There are all kinds of challenges. I'm sure there will be additional challenges that come up. And it's important that we're honest and straightforward in terms -- when we come up with a problem with these reforms and these laws, that we address them.

But we've got to move forward on this. It took a hundred years for us to even get to the point where we could start talking about and implementing a law to make sure everybody got health insurance. And my pledge to the American people is, is that we're going to solve the problems that are there, we're going to get it right, and the Affordable Care Act is going to work for the American people.

So with that, I'm going to take your questions, and I'm going to start with Julie Pace of AP.

Q: Thank you, Mr. President. The combination of the website problems and the concerns over the policy cancellations have crystallized worry within your own party, and polls also show that you're taking some hit (with the ?) public on both your overall job approval rating and also hunch factors like trust and honesty. Do you feel as though the flawed health care rollout has led to a breach in the public trust and confidence in government? And if so, how do you plan to resolve that?

PRESIDENT OBAMA: There is no doubt that people are frustrated. We just came out of a shutdown and the possibility that for the first time in over 200 years, we wouldn't pay our bills. And people breathed a sign of relief when that finally got done, and the next thing they know is, is that the president's health care reform can't get the website to work and that there are these other problems with respect to cancellation notices.

And, you know, I understand why folks are frustrated. I would be too, because sometimes, you know, people look at what's taking place in Washington, and they say not enough is getting done that helps me with my life.

Dude, you've essentially been in charge of Washington for five years.   Isn't this at long last your problem?

And, you know, regardless of what Congress does, ultimately, I'm the president of the United States, and they expect me to do something about it.

So in terms of how I intend to approach it, I'm just going to keep on working as hard as I can around the priorities that the American people care about.

Working hard at my short game, that is.

And I think it's legitimate for them to expect me to have to win back some credibility on this health care law in particular and on a whole range of these issues in general.

And, you know, that's on me. I mean, we fumbled the rollout on this health care law. There are a whole bunch of things about it that are working really well which people didn't notice, all right, because they weren't controversial, so making sure kids could stay on their parents' plans till they were -- up through the age of 25, and making sure that seniors got more discounts on their prescription drugs -- there were a whole bunch of stuff that we did well over the first three years, but we also knew that these marketplaces -- creating a place where people can shop and, through competition, get a better deal for the health insurance that their families need -- we always knew that that was going to be complicated, and everybody was going to be paying a lot of attention to it.

Wait a minute.... if you "always knew" that creating the Obamacare marketplaces was going to be "complicated," why didn't you pay a lot more attention to it?

And we should have done a better job getting that right on day one, not on day 28 or on day 40. I am confident that by -- by the time we look back on this next year, that people are going to say, this is working well, and it's helping a lot of people. But my intention in terms of winning back the confidence of the American people is just to work as hard as I can, identify the problems that we've got, make sure that we're fixing them, whether it's a website, whether it is making sure that folks who got these cancellation notices get help, we're just going to keep on chipping away at this until the job is done.

Major Garrett.

Q: Thank you, Mr. President. You say, while the law was being debated, if you like your plan you can keep it. You said, after the law was implemented or signed, if you like your plan you can keep it. Americans believed you, sir, when you said that to them over and over.
Do you not believe, sir, the American people deserve a deeper, more transparent accountability from you as to why you said that over and over when your own statistics published in the Federal Register alerted your policy staff -- and, I presume, you -- to the fact that millions of Americans would in fact probably fall into the very gap you're trying to administratively fix now? That's one question.

Second question. (Laughter.) You were informed or several people in this building were informed two weeks before the launch of the website that it was failing the most basic tests internally; and yet a decision was made to launch the website on October 1st. Did you, sir, make that test (sic)? And if so, did you regret that?

PRESIDENT OBAMA: OK. On the website, I was not informed directly that the website would not be working as -- the way it was supposed to. Had I been informed, I wouldn't be going out saying, boy, this is going to be great. You know, I'm accused of a lot of things, but I don't think I'm stupid enough to go around saying, this is going to be like shopping on Amazon or Travelocity, a week before the website opens, if I thought that it wasn't going to work.

Huh?   Whaaaat?    Didn't you just tell me that you always knew it was going to be complicated?   But now you're saying that you thought it was going to work like Amazon or Travelocity on Day One, because no one told you differently?   Did you ask to see test results?   Did you order any stress testing on the system?   Did you order a beta test six months in advance?   Did you listen back in March when your own point man on the project, Henry Chao, said that he only hoped it wouldn't be a "Third World" experience?   Where were you while all this was going on?

Oh, right.  
So, clearly, we and I did not have enough awareness about the problems in the website. Even a week into it, the thinking was that these were some glitches that would be fixed with patches, as opposed to some broader systemic problems that took much longer to fix and we're still working on them.

So you know, that doesn't excuse the fact that they just don't work, but I think it's fair to say, no, Major, we -- we would not have rolled out something knowing very well that it wasn't going to work the way it was supposed to, given all the scrutiny that we knew was going to be on -- on the website.

With respect to the pledge I made that if you like your plan you can keep it, I think -- you know, and I've said in interviews -- that there is no doubt that the way I put that forward unequivocally ended up not being accurate. It was not because of my intention not to deliver on that commitment and that promise.

In my law school, we called the two alternative theories of liability here "intentional misrepresentation" (fraud) or "negligent misrepresentation."   He's basically admitting the latter, but I think I could get a jury to conclude the former.   Put it this way.... if a CEO told this big a whopper about an IPO, the SEC would already have the indictment ready.

We put a grandfather clause into the law but it was insufficient.

Keep in mind that the individual market accounts for 5 percent of the population. So when I said you can keep your health care, you know, I'm looking at folks who've got employer-based health care. I'm looking at folks who've got Medicare and Medicaid. And that accounts for the vast majority of Americans.

This is how the true Stalinist thinks... only 5 percent of the population.   That's only, oh, about 15 million people!   If he said, hey, I'm going to screw over the populations of Iowa, Missouri, Kansas, Nebraska, and South Dakota, would he get away with that?   Omelets... eggs... you get the picture.

And then for people who don't have any health insurance at all, obviously that didn't apply. My commitment to them was you were going to be able to get affordable health care for the first time.

You have an individual market that accounts for about 5 percent of the population. And our working assumption was -- my working assumption was that the majority of those folks would find better policies at lower cost or the same cost in the marketplaces and that there -- the universe of folks who potentially would not find a better deal in the marketplaces, the grandfather clause would work sufficiently for them. And it didn't. And again, that's on us, which is why we're -- that's on me.

And that's why I'm trying to fix it. And as I said earlier, my -- I guess last week, and I will repeat, that's something I deeply regret because it's scary getting a cancelation notice.

Now, it is important to understand that out of that population, typically, there is constant churn in that market. You know, this market is not very stable and reliable for people. So people have a lot of complaints when they're in that marketplace. As long as you're healthy, things seem to be going pretty good. And so a lot of people think, I've got pretty good insurance, until they get sick, and then suddenly they look at the fine print and they've got a $50,000 out-of- pocket expense that they can't pay.

We know that on average over the last decade, each year premiums in that individual market would go up an average of 15 percent a year. I know that because when we were talking about health care reform, one of the complaints was, I bought health care in the individual market, and I just got a notice from the insurer they dropped me after I had an illness or my premiums skyrocketed by 20 or 30 percent; why aren't we doing something about this?

So part of what our goal has been is to make sure that that individual market is stable and fair and has the kind of consumer protections that make sure that people don't get a rude surprise when they really need health insurance.

But if you just got a cancelation notice and so far you're thinking, my prices are pretty good, you haven't been sick, and it fits your budget, and now you get this notice, you're going to be worried about it. And if the insurer is saying the reason you're getting this notice is because of the Affordable Care Act, then you're going to be understandably aggravated about it.

Now, for a big portion of those people, the truth is, they might have gotten a notice saying, we're jacking up your rates by 30 percent. They might have said, from here on out we're not going to cover X, Y and Z illnesses. We're changing the -- because these were all 12- month policies. They -- the insurance companies were no -- under no obligation to renew the exact same policies that you had before.

But look, one of the things I understood when we decided to reform the -- the health insurance market, part of the reason why it hasn't been done before and it's very difficult to do, is that anything that's going on that's tough in -- in the health care market, if you initiated a reform, can be attributed to your law. And -- and so what we want to do is to be able to say to these folks, you know what, the Affordable Care Act is not going to be the reason why insurers have to cancel your plan. Now, what folks may find is the insurance companies may still come back and say, we want to charge you 20 percent more than we did last year, or we're not going to cover prescription drugs now. But that will -- that's in the nature of the market that existed earlier.

Q: Did you decide, sir, that the simple declaration was something the American people could handle, but this new honest answer you just gave now was something they couldn't handle, and you didn't trust the American people with the fuller truth?

Major Garrett just became my absolute favorite White House correspondent.   This is a question that will go down in history, because it captures so perfectly the central pretentiousness of Obama as a liberal elitist.   We couldn't handle the truth that could only be known to the exalted mandarin class.

PRESIDENT OBAMA: No. I think, as I said earlier, Major, my expectation was that for 98 percent of the American people, either it genuinely wouldn't change at all, or they'd be pleasantly surprised with the options in the marketplace and that the grandfather clause would cover the rest. That proved not to be the case. And that's on me.

And the American people -- those who got cancelation notices do deserve and have received an apology from me, but they don't want just words. What they want is whether we can make sure that they're in a better place and that we meet that commitment.

And by the way, I think it's very important for me to note that, you know, there are a whole bunch of folks up in Congress and others who made this statement, and they were entirely sincere about it. And the fact that you've got this percentage of people who've had this, you know, impact -- I want them to know that, you know, their senator or congressman, they were making representations based on what I told them and what this White House and our administrative staff told them, and so it's not on them, it's on us. But it is something that we intend to fix....

All right, Roger -- Roger Runningen. Roger, it's his birthday, by the way. That's not the reason you got a question, but I thought it was important to note that. Happy birthday.

Q: Thank you, Mr. President. Back to health care, can you guarantee for the American people that the health care website is going to be fully operational for all people -- not just the vast majority -- by November 30? And second, more broadly, this is your signature domestic piece of legislation.


Q: You hear criticism on the Hill that you and your White House team are too insular. Is that how this mess came to be?

PRESIDENT OBAMA: Well, you know, I think there's going to be a lot of -- there's going to be a lot of evaluation of how we got to this point. And I'm -- I assure you that I've been asking a lot of questions about that. (Chuckles.) The truth is that this is, number one, very complicated. You know, the website itself is doing a lot of stuff.

There aren't a lot of websites out there that have to help people compare their possible insurance options, verify income to find out what kind of tax credits they might get, communicate with those insurance companies so that they can purchase, make sure that all of it's verified, right? So there's just a -- a bunch of pieces to it that made it challenging.

And you combine that with the fact that the federal government does a lot of things really well. One of the things it does not do well is information technology procurement. You know, this is kind of a systematic problem that we have across the board.

Again, haven't you been the President for five years?   Isn't this a problem you maybe would have wanted to address before you embarked on the largest technology procurement initiative in the HISTORY OF THE FUCKING WORLD!

And you know, it is not surprising, then, that there were going to be some problems.

Huh?   Whaaaat?   Didn't you tell me how surprised you were that there were problems and that no one had told you about them?

Now, I think we have to ask ourselves some hard questions inside the White House, as opposed to why we didn't see more of these problems coming earlier on, A, so we could set expectations, B, so that we could look for different ways for people to end up applying.

So, you know, ultimately, you're right. This is something that's really important to me, and it's really important to millions of Americans who have been waiting for a really long time to try go get health care because they don't have it. And you know, I am very frustrated, but I'm also somebody who, if I fumble the ball, you know, I'm going to wait until I get the next play, and then I'm going to try to run as hard as I can and do right by the team. So, you know, ultimately I'm the head of this team. We did fumble the ball on it. And what I'm going to do is make sure that we get it fixed.

Someone has to say it... Obama watches way too much ESPN.

In terms of what happens on November 30th or December 1st, I think it's fair to say that the improvement will be marked and noticeable. You know, the website will work much better on November 30th, December 1st, than it worked certainly on October 1st. That's a pretty low bar.

Three years.   And it didn't work.   Now he's had another six weeks of work.   And all he can say is it will pass a "low bar" of being better than a disaster?   Man, that's salesmanship... "come buy my product, it's not as sucky as it was back when it started sucking, even though it still sucks."

It'll be working a lot better than it is -- it was last week and will be working better than it was this week, which means that the majority of people who go to the website will see a website that is working the way it's supposed to.

I think it is not possible for me to guarantee that a hundred percent of the people a hundred percent of the time going on this website will have a perfectly seamless, smooth experience.

We're going to have to continue to improve it, even after November 30th, December 1st. But the majority of people who use it will be able to see it operate the way it was supposed to.

One thing that we've discovered, though, that I think is -- is worth noting, a lot of focus has been on the website and the technology, and that's partly because that's how we initially identified it; you know, these are glitches. What we're discovering is that part of the problem has been technology, hardware and software, and that's being upgraded. But even if we get the -- the hardware and software working exactly the way it's supposed to with relatively minor glitches, what we're also discovering is that insurance is complicated to buy. And another mistake that we made, I think, was underestimating the difficulties of people purchasing insurance online and shopping for a lot of options with a lot of costs and lot of different benefits and plans and -- and somehow expecting that that would be very smooth, and then they've also got to try to apply for tax credits on the website.

A "mistake" is when a smart person commits an error in analyzing data, or an error in judgment.   What happened here is not a "mistake," it's a fundamental failure in adult intelligence.    You "underestimated" the complexity of a healthcare industry that is essentially an economy the size of freakin' France!   That's not a "mistake"... it's just gross, unadulterated stupidity.

So what we're -- what we're doing even as we're trying to solve the technical problems is also what can we do to make the application a little bit simpler? What can we do to make it in English as opposed to bureaucratese? Are there steps that we can skip while still getting the core information that people need?

And part of what we're realizing is that there are going to be a certain portion of people who are just going to need more help and more hand-holding in the application process.

And so -- so I guess part of the continuous improvement that I'm looking at is not just a technical issue; it's also can we streamline the application process; what are we doing to give people more assistance in the application process; you know, how do the call centers and the people who are helping folks in person -- how are they trained so that things can go more smoothly, because the bottom line ultimately is I just want people to know what their options are in a -- in a clear way. And you know, buying health insurance is never going to be like buying a song on iTunes. You know, it's just a much more complicated transaction.

But I think we can continue to make it better, all of which is to say that on December -- or December 1st, November 30th, it will be a lot better, but there will still be some problems. Some of those will not be because of technological problems, although I'm -- I'm sure that there will still be some glitches that have to be smoothed out.

"Low bar," indeed.   I think we should call him "President Low Bar."

Some of it's going to be how are we making this application process more user-friendly for folks.

And you know, one -- one -- one good example of this, by the way, just to use an analogy -- when we came into office, we heard a lot of complaints about the financial aid forms that families had to fill out to get federal financial aid. And I actually remember applying for some of that stuff and remember how difficult and confusing it was.

And Arne Duncan over at Education worked with a team to see what we could do to simplify it, and it made a big difference. And that's part of the process that we've got to go through. And in fact, you know, if we can get some focus groups and we sit down with actual users and see, you know, how well is this working, what would improve it, what part of it didn't you understand, that all, I think, is part of what we're going to be working on in the weeks ahead.

Q: What about the insularity criticism that you hear on the Hill?

PRESIDENT OBAMA: You know, I -- I've got to say I meet with an awful lot of folks, and I talk to an awful lot of folks every day. And I have lunches with CEOs and IT venture capitalists and labor leaders and, you know, pretty much folks from all walks of life on a whole bunch of topics. And if you looked at my schedule on any given day, we're interacting with a whole lot of people.

And I think it's fair to say that we have a pretty good track record of working with folks on technology and IT from our campaign, where, both in 2008 and 2012, we did a pretty darn good job on that. So it's not that -- you know, the idea that somehow we didn't have access or were interested in people's -- people's ideas I think isn't accurate.

What is true is that, as I said before, our IT systems, how we purchase technology in the federal government is cumbersome, complicated and outdated. And so this isn't a situation where -- on my campaign, I could simply say, who are the best folks out there, let's get them around a table, let's figure out what we're doing and we're just going to continue to improve it and refine it and work on our goals.

If you're doing it at the federal government level, you know, you're going through, you know, 40 pages of specs and this and that and the other and there's all kinds of law involved. And it makes it more difficult -- it's part of the reason why chronically federal IT programs are overbudget, behind schedule.

Apparently the buck on federal government procurement stopped somewhere else.   But won't someone please follow up and ask him... "Mr. President, if the federal government is so inefficient in just buying software, why should anyone ever trust that the federal government can do anything else?"   Obama has essentially made the case against Big Government himself, and he doesn't even notice.

And one of the -- you know, when I do some Monday morning quarterbacking on myself, one of the things that I do recognize is since I know that the federal government has not been good at this stuff in the past, two years ago as we were thinking about this, you know, we might have done more to make sure that we were breaking the mold on how we were going to be setting this up. But that doesn't help us now. We got to move forward.

Jeff Mason.

Q: Thank you, Mr. President. Today's fix that you just announced leaves it up to state insurance commissioners and insurance companies to ultimately decide whether to allow those policies to be renewed for a year. How confident are you that they will do that? And secondly, how concerned are you that this flawed rollout may hurt Democrats' chances in next year's mid-term elections and your ability to advance other priorities, such as immigration reform?

PRESIDENT OBAMA: On the first question, traditionally state insurance commissioners make decisions about what plans can be or cannot be sold, how they interact with insurers. What we're essentially saying is the Affordable Care Act is not going to be the factor in what happens with folks in the individual market. And my guess is right away you're going to see a number of state insurance commissioners exercise it.

Part of the challenge is the individual markets are different states. There's some states that have individual insurance markets that already have almost all the consumer protections that the Affordable Care Act does. They match up pretty good.

It's not some big jump for -- for folks to move into the marketplace. In others, there are pretty low standards, so you can sell pretty substandard plans in those markets, and that's where people might see a bigger jump in their premiums. So I think there's going to be some state-by-state evaluation on how this is handled.

But the key point is, is that it allows us to be able to say to the folks who've received these notices, look, you know, I, the president of the United States, and the insurance -- the insurance model of the Affordable Care Act is not going to be getting in the way of you shopping in the individual market that you used to have. Now, as I said, there are still going to be some folks who, over time, I think, are going to find that the marketplaces are better.

One way I -- I described this to -- I met with a group of senators when this issue first came up. And it's not a perfect analogy, but you know, we made a decision as a society that every car has to have a seat belt or air bags. And so you pass a regulation. And there's some additional cost, particularly at the start, of increasing the safety and protections, but we make a decision as a society that the costs are outweighed by the benefits of all the lives that are saved. So what we're saying now is if you're buying new -- a new car, you got to have a seat belt.

Well, the problem with the -- the grandfather clause that we put in place is it's almost like we said to folks, you got to buy a new car, even if you can't afford it right now. And sooner or later folks are going to start trading in their old cars.

But, you know, we don't need -- if their life circumstance is such where, for now at least, they want to keep the old car, even if the new car is better, we should be able to give them that option, and that's what we want to do.

And by the way, that's what we should have been able to do in drafting the rules in the first place. So again, you know, these are two fumbles on something that -- on a big game which -- but the game's not over. With respect to the politics of it, you know, I'll let you guys do a lot of the work on projecting what this means for various political scenarios.

There is no doubt that our failure to roll out the ACA smoothly has put a burden on Democrats, whether they're running or not, because they stood up and supported this effort through thick and thin, and, you know, I feel deeply responsible for making it harder for them rather than easier for them to continue to promote the core values that I think led them to support this thing in the first place, which is, in this country, as wealthy as we are, everybody should be able to have the security of affordable health care.

And that's why I feel so strongly about fixing it. My first and foremost obligation is to the American people, to make sure that they can get what's there if we can just get the darn website working and smooth this thing out, which is plans that are affordable and allow them to advantage of tax credits and give them a better deal.

But I also do feel an obligation to everybody who -- out there who supported this effort. You know, when we don't do a good job on the rollout, we're letting them down. And, you know, I don't -- I don't like doing that. So my commitment to them is we're going to just keep on doing better every day until we get it done.

And in terms of the impact on me -- I think to some extent I addressed it when I talked to Julie (sp) -- you know, there are going to be ups and downs during the course of my presidency. And, you know, I think I said early on when I was running, I am not a perfect man and I will not be a perfect president, but I'll wake up every single day working as hard as I can on behalf of Americans out there from every walk of life who are working hard, meeting their responsibilities but sometimes are struggling because the way the system works isn't giving them a fair shot.

And -- and that pledge I haven't broken. That commitment, that promise continues to be -- continues to hold; the promise that I wouldn't be perfect, number one, but also the promise that as long as I've got the honor of having this office, I'm just going to work as hard as I can to make things better for folks.

Pathetic.   How many times in this press conference did he say how "hard" he works?   Dude... you're the fucking President.  Stop whining already.   Lots of people work hard and they're not this big of pussies about it.   And, oh, by the way, when the rest of us work "hard," we are also expected to get results.    

And what that means specifically in this health care arena is we can't go back to the status quo. I mean, right now everybody is properly focused on us not doing a good job on the rollout. And that's legitimate and I get it.

There have been times where I thought we were -- got, you know, slapped around a little bit unjustly. This one's deserved, all right? It's on us.

But we can't lose sight of the fact that the status quo before the Affordable Care Act was not working at all. If -- if the health care system had been working fine and everybody had high-quality health insurance at affordable prices, I wouldn't have made it a priority. We wouldn't have been fighting this hard to get it done, which is why when I see sometimes folks up on Capitol Hill, and Republicans in particular, who have been suggesting, you know, repeal, repeal, let's get rid of this thing, I keep on asking, well, what is it that you want to do? Are you suggesting that the status quo was working? Because it wasn't, and everybody knows it. It wasn't working in the individual market, and it certainly wasn't working for the 41 million people who didn't have health insurance.

And so what we did was we chose a path that was the least disruptive to try to finally make sure that health care is treated in this country like it is in every other advanced country, that it's not some privilege that just a certain portion of people can have, but it's something that everybody has some confidence about. And you know, we didn't go far left and choose an approach that would have been much more disruptive. We didn't adopt some more conservative proposals that would have been much more disruptive. We tried to choose a way that built off the existing system.

But it is complicated. It is hard. But I make no apologies for us taking this on because somebody, sooner or later, had to do it.

I do make apologies for not having executed better over the last several months....

And with that and a buck, here's your coffee.

My prediction.   This is the President's "jump the shark" moment.  


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