One of the issues regarding the technical troubles with the website that has received some attention in recent weeks, and even more so over the last few days, has been that of errors in 834 files.

These are the files transferred to insurance carriers that contain pertinent data on the enrollees.  (For a better understanding of what the 834 form is, the Washington Post has this good backgrounder).

Some of the files have reportedly contained data that was incorrect – for instance, the names of children appearing as spouses – while others have contained duplicate data, or there was no file at all.  Without an accurate 834 form for an enrollee, an insurance carrier essentially cannot complete their enrollment.

While the numbers regarding the issue have reportedly improved, reporters have recently tried to obtain more specific information about the problem.

From BenefitsPro:

Obama administration officials have been getting angry questions from reporters by refusing to even try to estimate how many enrollment forms are going out, or how many of them are right. and the enrollment sites for state-based public exchanges are supposed to send out “834 Initial Enrollment Notification” transaction notices when consumers enroll.

Carriers have reported a high percentage of the 834s seem to be inaccurate, because of problems with the information consumers have entered, information from other sources, or programming errors.


The issue boiled over into Thursday during a White House press briefing, when a reporter told White House Press Secretary Jay Carney, “CMS, in these daily calls, is still very opaque.”

That reporter was Major Garrett, National Journal Correspondent-at-Large and Chief White House Correspondent for CBS News.

Garrett pressed Carney about the reported issues with 834 forms and the challenge it presents for enrollees who may think they’ve signed up for coverage but might not actually have been enrolled.  Garrett was trying to get some more precise figures on the rate of such errors, noting that CMS has not been offering any detailed information in its daily conference calls.  “CMS, in these daily calls, is still very opaque,” Garrett said.

The remainder of that exchange is below.

(Relevant video clip starts at 35:40 and ends at 41:58)


There’s no question that since the launch of on October 1st there have been a number of different types of problems with 834 forms, as there were problems with other aspects of the site, and we believe that many of these were the result of initial technical problems with the site and have been fixed with our improvements and upgrades over the past several weeks.  Our priority is understanding results that issuers are getting, because of the fixes put in place, and fixing any remaining bugs that are causing problems, and working to make sure that every 834 form, past and present, is accurate.  You know, because what’s most important is working to insure that those who want insurance starting in January can enroll and begin their coverage. So CMS, as I think I said the other day, will be reaching out directly to consumers by email and by phone who’ve already selected a plan to let them know to be in touch with their plan and to pay their first premium.

So there’s a lot of effort going into insuring that whatever issues there were and whatever bugs remain with 834 forms are resolved in time for insurance to kick in on January 1st.  As I think I hinted the other day, the universe, when you talk about the early problems with the backend, there were so many problems with the website that, unfortunately, but we’ve acknowledged this, not that many people were able to enroll in October, and so the universe of the people who in their enrollment had issues with their 834 forms or the backend is not all that large, which is actually an inadvertent or unexpected positive out of a very negative situation in October.  So what we know is that the fixes that have been put in place over the past several weeks, including some major fixes over last weekend, have brought about a significant improvement across the board on the site, including with the 834 forms.  We are working with issuers regularly to look at the results of those fixes and also to address the remaining bugs that exist.


The language you just used was very general.  Just as it was in the early stages of the website’s problems.  You’ve now become more specific about error rates, time, improvements on the front end of the website – CMS in these daily calls is still very opaque, asked directly what is the magnitude of the problem, what are the error rates you’re seeing in 834s, no information whatsoever.


I think they’re working with issuers on the specific problems and data but I think you have to understand it’s not like one…[crosstalk]…the answer I think broadly is yes, and we know without a fact [Ed. Note – I think he meant either “for a fact” or “without a doubt”] that the problems that existed on the backend have been diminished greatly, no question, with the fixes that have been put in.


Then why not have the same transparency about tabulating that, as you have with some of these other issues?



When you talk about finding out specific percentages, it’s not, these are bugs that affect individual aspects, so to collect data on it is not necessarily as simple as ‘what’s the error rate for this broad array of or series of small problems that may have affected 834 forms.’  What we know is that there were significant problems with the whole website including the backend and that over the course of the time that the teams were in place to make improvements to the site through software fixes and hardware upgrades that those problems have abated although have not been completely eliminated.  I think, Major, as those who’ve noted, we’ve been pretty candid about the self-inflicted problems that have been created and we’re candid about the fact that even though we hit our goal for November 30th and the site is functioning as we hoped it would that there are still problems and we need to address those.


But the challenge, the transparency, is to work on behalf of people who may assume that they’ve enrolled and they have fallen into a category that insurers are now commonly referring to as “ghost enrollees,” people who believe that they’ve enrolled but they’re not in.


Sure, and Major, what I can tell you is that we know every person who has enrolled, or believes he or she has enrolled, we – the CMS and others, and every one of them is being contacted and making sure that their enrollment is accurate and that they will, if they sought to enroll and have insurance on January 1st, that they will have it.

A spokeswoman for the Centers for Medicare & Medicaid Services has since provided some expanded information on the numbers related to the 834 forms issue, according to BenefitsPro.

[Julie] Bataille came back today [Friday] with a few more numbers and an explanation for the lack of better numbers.

CMS believes that about 25 percent of the forms sent from Oct. 1 through Nov. 30 had errors, and that about 10 percent of the forms now going out have errors, Bataille said.

“This analysis is preliminary,” Bataille said. “We do not have precise numbers at this point.”

Getting the data is difficult, because CMS and its contractors have to go over the transaction data with each plan issuer to come up with the numbers, Bataille said.

The New Republic argues that the 834 issue may not be freak out material, citing several industry experts who have noted the improvements in the relevant errors.

“The enrollment files continue to get better and the new process they put in place this week to deal with the back end issues is making a difference,” says Robert Zirkelbach, spokesman for America’s Health Insurance Plans. Bryce Williams, who is Managing Director of Exchange Solutions for Towers Watson, says “We are hearing reports from insurers that the quality of the 834s being sent from is getting better—for example, fewer cases of children showing up as spouses.” But, he adds, “there are still backend enrollment issues to be fixed.”

But the pressing issue is that as more and more people enroll, now that the front-end of the website has been improved, the number of those affected might continue to be of significant concern.

In the end, the CMS spokeswoman suggested that those who believe they’ve enrolled for coverage should contact their insurers to make their payment and to make sure they receive welcome plan information.

(Featured image credit: 12/5 WH Press Briefing video)


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