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Are you pondering what I'm pondering, Pinky?

Yes ... that ... word ... is ... EBAY!  Here's a market for pretty much everything, and with a bit of tweaking I would say it could readily handle a market for health insurance policies.  Why reinvent the wheel?  

You think I'm joking?  Maybe I sort of am, but not really.  Why couldn't Ebay's architecture be licensed by the government and used to create a health insurance exchange?  Subsidies could be handled with coupons.  Paypal would have to be renamed to the more politically correct PayPerson, however.

IT ... COULD ... WORK!

Poll

Use Ebay to establish a health insurance exchange?

53%7 votes
7%1 votes
0%0 votes
0%0 votes
0%0 votes
38%5 votes

| 13 votes | Vote | Results

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Comment Preferences

  •  Tip Jar (5+ / 0-)

    You have exactly 10 seconds to change that look of disgusting pity into one of enormous respect!

    by Cartoon Peril on Mon Oct 21, 2013 at 07:02:50 PM PDT

  •  Family of 26, Iridium Policy, (2+ / 0-)
    Recommended by:
    Cartoon Peril, rbird

    26¢ deductible, bidding opens at $40/month.

    We are called to speak for the weak, for the voiceless, for victims of our nation and for those it calls enemy.... --ML King "Beyond Vietnam"

    by Gooserock on Mon Oct 21, 2013 at 07:21:33 PM PDT

    •  Maybe QuiBids nt (1+ / 0-)
      Recommended by:
      Cartoon Peril

      We are called to speak for the weak, for the voiceless, for victims of our nation and for those it calls enemy.... --ML King "Beyond Vietnam"

      by Gooserock on Mon Oct 21, 2013 at 07:22:11 PM PDT

      [ Parent ]

      •  I've never heard of that, just looked, something (1+ / 0-)
        Recommended by:
        Gooserock

        like that could work.

        I just don't get it.  It's obviously a big task but it seems well within the capabilities of that sort of site.

        You have exactly 10 seconds to change that look of disgusting pity into one of enormous respect!

        by Cartoon Peril on Mon Oct 21, 2013 at 07:26:04 PM PDT

        [ Parent ]

        •  QuiBids's Been All Over Cable TV Ads for Months, (1+ / 0-)
          Recommended by:
          Cartoon Peril

          looks like a super scammy business model. My first take is that they run with success stories like "I won an iPad for $30" during the first few weeks the site was online.

          We are called to speak for the weak, for the voiceless, for victims of our nation and for those it calls enemy.... --ML King "Beyond Vietnam"

          by Gooserock on Mon Oct 21, 2013 at 07:43:10 PM PDT

          [ Parent ]

  •  because they are nothing alike? (4+ / 0-)

    Obamacare and Ebay are completely different challenges.
    So I'm not sure if you have really solved the problem here.

    Obama 2012...going to win it with our support!!!

    by mattinjersey on Mon Oct 21, 2013 at 07:24:07 PM PDT

    •  I'm not sure about that. Insurance is a product (0+ / 0-)

      A product needs buyers.  Ebay (or Quibid, or whatever) lines them up with the product.

      You have exactly 10 seconds to change that look of disgusting pity into one of enormous respect!

      by Cartoon Peril on Mon Oct 21, 2013 at 07:29:04 PM PDT

      [ Parent ]

      •  There's apparently WAY MORE to healthcare.gov (2+ / 0-)
        Recommended by:
        chantedor, Cartoon Peril

        than just selling products and accepting payments.

        From what I've been able to determine, the site is actually some sort of mega data-consolidator, reaching out into a number of separate websites using unique and different protocols to look up information personal to the potential purchaser, and using THAT information to help qualify/determine the products available, and the income level at which to price it.

        HealthCare.gov is NOT a simple bidding or selling site -  
        so eBay as a model? no...

        although it might be fun to be able to pay premiums with PayPal LOL

        America's LAST HOPE: vote the GOP OUT in 2014 elections. MAKE them LOSE the House Majority and reduce their numbers in the Senate. Democrats move America forward - Republicans take us backward and are KILLING OUR NATION!

        by dagnome on Mon Oct 21, 2013 at 09:10:00 PM PDT

        [ Parent ]

  •  A Rec for Binky and the Brain (2+ / 0-)
    Recommended by:
    etbnc, Cartoon Peril

    ... my favorite cartoon of all time. Should be a new version with Ted Cruz as the (always wrong) Brain and John Boehner as (not entirely, exactly competent, but always willing to go along) Binky

    We have only just begun and none too soon.

    by global citizen on Mon Oct 21, 2013 at 07:34:43 PM PDT

  •  give it a try. what could go wrong? n/t (1+ / 0-)
    Recommended by:
    Cartoon Peril

    hope springs eternal and DAMN is she getting tired!

    by alguien on Mon Oct 21, 2013 at 07:50:14 PM PDT

  •  There are actually a number of working massive (2+ / 0-)
    Recommended by:
    turdraker, Cartoon Peril

    scale sites who could have served as a model for rollout.

    I'm still amazed at the number of people desperately working to put lipstick on this pig of a rollout, and proclaiming that anyone who disagrees is a 'know-nothing'. If they've truly spent their life in IT and expect this level of crap rollout, they're simply crappy IT people who worked with other crappy IT people who didn't deliver good product.

    Yes, you can expect some glitches at rollout. But these were far more than glitches.  Glitches are pages that don't load, that time out, that fail to execute database queries because somebody didn't escape apostrophes in data being inserted.  Corrupt databases are beyond 'glitchy'.

    Functions that should have either worked immediately or been fixable shortly thereafter - data display, form entry, taking that data and storing it in databases.  Functions that are more of a PITA - interfacing with third party databases for verification.  But even there, you write an interface specifically for that third party, get it working and maybe needing a tweak now and then, and properly design failovers for when the third party connections crap out.

    You don't simply die on the user when a third party site is failing to respond and give them a blank page with two words on it.

    IT Professionals defending this roll-out probably sucked at their jobs if they thought this was an acceptable roll-out.

    •  YOU cannot compare this to the private market (1+ / 0-)
      Recommended by:
      Cartoon Peril

      which has MUCH more flexibility and different standards than the govt. Two very different environments...the stakeholders are vastly different.

      •  So it's all the users fault (1+ / 0-)
        Recommended by:
        Cartoon Peril

        Stupid merre citizens, some of us severely visually impaired, who deserve to end up without health insurance and in violation of the law because we can't manage our way through this swellest of swell website, and it's totally our own problem and no sweat off the government IT backs because it's an individual mandate?  Is that the proper outlook?

        “Washing one's hands of the conflict between the powerful and the powerless means to side with the powerful, not to be neutral. ” ― Paulo Freire

        by ActivistGuy on Mon Oct 21, 2013 at 11:49:49 PM PDT

        [ Parent ]

        •  No, that's just stupid (0+ / 0-)

          Are you that stupid? Because blaming the victim is the kind of rhetoric I am used to hearing from Republicans, and accusing Progressives of it is even worse.

          Ceterem censeo, gerrymandra delenda est

          by Mokurai on Tue Oct 22, 2013 at 01:20:43 AM PDT

          [ Parent ]

  •  Pez dispensers (3+ / 0-)
    Recommended by:
    turdraker, dagnome, Cartoon Peril

    Disclosure: When Ebay became a thing, I totally underestimated it. I couldn't comprehend, at the time, how a platform built to swap Pez candy dispensers with classified ads could possibly become something people took seriously.

    I confess that I still have difficulty taking Ebay seriously, even though I've purchased a few items from the site.

    All that said, I do think the back-end database integration challenges are a bit different. Healthcare.gov has to hook into a different set of private databases that Ebay doesn't deal with. Although I'm pretty sure the insurance market site could have been done better, I'm not sure that Ebay is the best baseline for comparison. As best I recall, Ebay was built to swap Pez candy dispensers, not personally customized insurance policies.

    Pez Insurance, LLC does have a ring to it, though.

    •  ding ding ding... (1+ / 0-)
      Recommended by:
      Cartoon Peril

      this is not ONE big application....with One big set of databases...Its a collection of them...built by many kinds of languages...with all sorts of different constraints and rules of their own...this is not Ebay building from the ground up....

      By the way...Ebay did start as a dinky site....how long you think it took ebay to get 500,000 registered members after it went live? I bet it took longer than 3 weeks...

    •  I worked as a contract Tech Writer at eBay (0+ / 0-)

      documenting its architecture and software engineering practices. There is no comparison with healthcare.gov. EBay completely controls its Web servers and backend systems, and has only a few major external partners such as Paypal where there are serious questions of integration and data exchange. Everybody else who wants to talk to eBay either goes through the Web or a published API (Application Programming Interface), both entirely under eBay's control.

      Healthcare.gov was implemented by dozens of companies, and has to talk to systems implemented by dozens of states and Federal agencies.

      EBay has a system for rolling out software upgrades every two weeks, with elaborate precautions for making them available first on a tiny subset of servers, with instant rollback capabilities in case of problems.

      The law made it impossible for HHS to do any sort of partial rollout or even proper internal testing. Republican intransigence means that they did not get the specs of many of the state systems they have to work with in a timely manner. And so on.

      So, no. Just no.

      Ceterem censeo, gerrymandra delenda est

      by Mokurai on Tue Oct 22, 2013 at 01:17:48 AM PDT

      [ Parent ]

  •  Wait...Wait...you are not a programmer are you? (1+ / 0-)
    Recommended by:
    Cartoon Peril

    okaaaaayyyy.

    •  Neither are 99% (1+ / 0-)
      Recommended by:
      Cartoon Peril

      of the people who are going to be using the site.  But that's not the programmer's problem, is it?  It's ours.  We should all be tech whizzes.

      “Washing one's hands of the conflict between the powerful and the powerless means to side with the powerful, not to be neutral. ” ― Paulo Freire

      by ActivistGuy on Mon Oct 21, 2013 at 11:56:48 PM PDT

      [ Parent ]

  •  "Telephone" (2+ / 0-)
    Recommended by:
    Cartoon Peril, Eileen B

    that's the one-word solution, at least temporarily.  It's like we forget that phones still work!

    •  Tried that (2+ / 0-)
      Recommended by:
      Cartoon Peril, slipper

      "All our agents are currently busy.  Your estimated wait time is 45 minutes."  

      “Washing one's hands of the conflict between the powerful and the powerless means to side with the powerful, not to be neutral. ” ― Paulo Freire

      by ActivistGuy on Tue Oct 22, 2013 at 12:00:07 AM PDT

      [ Parent ]

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