MIAMI, FL - The HealthCare.gov website tells visitors there is a wait as people try to beat the deadline to sign up at a Miami Enrollment Assistance Center on Dec.  20, 2013. (Photo by Joe Raedle/Getty Images)
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Affordable Care Act: HealthCare.gov put to test as deadline nears

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CHICAGO  - The government's retooled health care website was put to its biggest test yet as record numbers of Americans rushed to beat Tuesday's extended deadline for signing up for insurance.

After a disastrous, glitch-filled rollout in October, HealthCare.gov, where people in Ohio, Indiana and 34 other states can shop for coverage, received 2 million visits Monday, its highest one-day total, the government said.

Traffic was not as heavy on Tuesday but still high, White House spokeswoman Tara McGuinness said. She had no immediate estimate of visitors or how many succeeded in obtaining insurance before the midnight deadline.

"The site is performing well under intense consumer traffic," said Kurt DelBene, a former Microsoft executive appointed last week to take over management of the online marketplace. "With the highest volumes we have seen to date, response time is fast and the error rating is low."

Error rates were lower than 1 in 200, and pages loaded quickly, in less than a half-second, officials said.

For a multitude of reasons, including technical difficulties with the site or trouble understanding the instructions, thousands of people sought telephone help and wound up waiting on hold on Christmas Eve at the government's call center.

Ian Stewart of Salt Lake City said he and his wife, both students, had been trying for weeks to complete their application on the federal site, thwarted by computer error messages each time.

On Tuesday morning, while visiting relatives in Colorado for Christmas, they reached a call center counselor who succeeded in enrolling them. The "silver" plan they chose will cost them $241 a month after a cost-lowering tax credit.

"We're relieved that we got it working, elated that we got insurance again and very frustrated that it took this long," Stewart said.

More than 110,000 people had called the government's help line by Tuesday afternoon, with wait times averaging 27 minutes, officials said. On Monday, the call center received more than 250,000 calls, a one-day record.

Monday was the sign-up deadline for people wanting coverage at the start of the new year. But the Obama administration pushed back the deadline a day to deal with heavy traffic from procrastinators.

"We see this intense traffic as a sign that people are eager for affordable health insurance," said Julie Bataille, a spokeswoman for the Centers for Medicare and Medicaid Services, the federal agency in charge of the overhaul.

White there were no immediate reports of any major glitches, the White House said that people who can show they missed the deadline because of problems with the website may still be able to get covered by Jan. 1 on a case-by-case basis. Anyone else can still apply for coverage that would start on Feb. 1.

The one-day grace period was just the latest in a string of delays and reversals, and critics of President Barack Obama's signature program seized on it as more evidence that the overhaul is in trouble.

"The amazing, ever-expanding deadline? It's clearly a sign of desperation by the administration to do everything they can to increase the number of people signing up," said health economist Gail Wilensky, who ran Medicare for President George H.W. Bush.

The website went through extensive hardware and software upgrades to make it more reliable and increase its capacity.

When the number of simultaneous users reached 60,000 on Monday, site operators employed a queuing system that allows people to either wait or give an email address to be invited back later, the government said. More than 129,000 users gave their email.

On Tuesday, traffic wasn't heavy enough to trigger the system, McGuinness said in the afternoon.

Many states operate their own online marketplaces for buying coverage, and some of them also extended their deadlines.

Kentucky and 13 other states operate their own online marketplaces for buying coverage, and some of them also extended their deadlines.

Kentucky reported that kynect, the state's healthcare market, reached over 100,000 enrolled over the weekend before Christmas. The state noted this was a 121 percent increase in enrollment since Thanksgiving week.

The insurance industry, too, has pushed back deadlines for payment, with most health plans allowing customers to pay by Jan. 10 and still get coverage retroactive to Jan. 1.

"With deadlines that keep changing, insurers want to alleviate confusion," said Robert Zirkelbach, spokesman for America's Health Insurance Plans. "Health plans are going to do everything they can to help consumers with the enrollment process."

Obama said late last week that more than 1 million Americans had enrolled for coverage since Oct. 1.

The administration's estimates call for 3.3 million to sign up by Dec. 31, and the target is 7 million by the end of March. After that, people who fail to buy coverage can face tax penalties.

Copyright 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

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