Site last updated: Monday, November 9, 2026

Log In

Reset Password
Butler County's great daily newspaper

Website getting upgrades

Gov't health insurance site to get simpler

WASHINGTON — Consumers shopping on the government’s health insurance website should find it easier this year to get basic questions answered about their doctors, medications and costs, according to an internal document.

A slide presentation dated Sept. 29 says HealthCare.gov’s window-shopping feature is getting a major upgrade. Window shopping is a popular part of the website that allows consumers to browse for taxpayer-subsidized health insurance plans. A copy of the document from the Centers for Medicare & Medicaid Services was provided to The Associated Press.

If final testing now under way goes smoothly, the new e-commerce tools could take some of the uncertainty out of picking a health plan when the 2016 sign-up season starts Nov. 1. Many consumers have found the process overwhelming.

Previously, it could take considerable digging to find out plan details. Now consumers would be able to enter their doctors, hospitals and medications as they browse online. When they go to compare plans, they would see whether those doctors, hospitals and drugs are covered.

The revamped website will also have a feature that helps people get a rough idea of expected total costs. It takes into account not only premiums, but cost-sharing for services like office visits, and the deductible.

That “will allow consumers to answer a set of questions to determine total estimated out-of-pocket costs (and) which type of plan is best for their unique situation,” says the slide presentation.

Experts say most people shopping for insurance look just at the premiums. But if consumers need medical care, they might be better off paying a higher monthly premium for a plan with lower out-of-pocket costs.

“It’s very difficult for people to choose the plan that would be best for them if they go only on what HealthCare.gov has given them up to now,” said Robert Krughoff, president of Consumers’ Checkbook, a service that evaluates health plans for federal employees. “These are things that they should be doing.”

The Obama administration had no comment on its plans for the website.

The slide presentation said testing began last week with data provided by major insurers. Testing continues as the Nov. 1 open enrollment deadline approaches. Technical assistance is being provided to help insurers work through problems.

Window shopping is standard for e-commerce, but when HealthCare.gov first went live in 2013 a serious flaw affected that feature.

Most websites allow customers to shop anonymously, requiring them to set up accounts only if they’re going to buy. But HealthCare.gov worked the other way around initially, funneling prospective shoppers to a balky accounts-creation page. That contributed to a massive crash that embarrassed a tech-savvy President Barack Obama.

After quick repairs, the federal website has kept evolving. This year it was the online gateway for consumers in 37 states. About 10 million people are getting subsidized private coverage.

Along with a Medicaid expansion now accepted by a majority of states and an improving economy, it’s helped bring the number of uninsured people down to historically low levels — about 9 percent of the population.

More in National News

Subscribe to our Daily Newsletter

* indicates required
TODAY'S PHOTOS