1. Rolling enrollment based on birth month of primary applicant: This would spread out enrollment over the year, so call centers are not slammed and the insurance companies don't have to hire temporary help.2. Just let people sign up or change plans any time - this is a little more problematic as it cuts to the chase with the other enormous problem with Obamacare - if it costs too much to afford, just not sign up and then wait until you get sick, and then transition to an Obamacare plan. Eliminating "pre-existing conditions" sounds like a swell idea, but there is a reason insurance companies had this place.
UPDATE: The Blue Cross site - which has been running at a snail's pace all day - finally decided I am allowed to print out health insurance temporary cards (I also requested physical ones). They show me having an HMO plan, while the POS plan cards are on my desk. I don't know what to make of this.
UPDATE: One reason I started this blog is that it allows me to vent. This situation is very stressful, but writing about it, I find, gives me closure and calms me down. At least I have insurance, apparently. Perhaps two policies. I am sure one can be cancelled, eventually, and hopefully a refund given.