By the white house to hide prices for Insurance Plans until after a user registered in obama care is a big reason for the website failure. And some of americas Top Health InsuranceCompany Chiefs have just wrapped up a hastily arranged white house meeting. They criticize the Communications Breakdown between the obama care websites and their own system. So many errors, they cant sign people up. Good evening, everyone. Im larry kudlow. This is the kudlow report. We are live here at 7 00 p. M. Eastern, 4 00 p. M. Pacific. We have just in besides the breaking news, nbcs chuck todd. He is reporting the white house hopes to slide the deadline for individuals to be required to buy Health Insurance by as much as six weeks. Now individuals will only have to have started the process of inrolling in obama care by march 31st to avoid any financial penalties. Thats the white house going in that direction. Eamon javers live in washington, d. C. With all of this latebreaking news. Good evening, eamon. Whats really happening down there . Good evening, larry. Well, you just gave the big news here, and that is nbc news is hearing from white house officials who say they want this key obama care deadline now to slide. They say that individuals until now were expected to begin starting up signing for obama care by february 15th. They want that to slide to march 31st. Thats a big slide, and its one of the key deadlines in the beginning parts of obama care that all because of the problems that you were talking about in the obama care website, healthcare. Gov. Meanwhile as you also said, the ceos of the nations Biggest Insurance Companies were at the white house today. We have video of them walking in for their meeting earlier today. The white house says a key subject here was discussion of the socalled 834 forms. Now, this is a crucial backend piece of the website. All of the reporting so far has focused on the front end of the website, problems people have had signing up for healthcare. Gov. This 834 problem however is a backend problem. Its a problem with the data going from health care. Gov to the Insurance Companies and somehow showing up garbled over the Insurance Company end. That could be a big problem for the companies and for individuals who get insurance through the obama care website, because if their data isnt right, their insurance isnt going to be right. And earlier today, we heard from speaker of the house john boehner who said that he thinks there are bigger problems with obama care. When you look at the problems with obama care, all the focus here lately has been on the website. Clearly, there is problems with the website. But i would argue that the problems go much further than that. And all this coming on a day when we saw an increasing number of democrats now starting to call for delays in the implementation of obama care, arguing that its simply not fair to ask people to sign up for a Health Care Service and penalize them for not having it when they cant get on the website to do just that. And tomorrow, larry, were going to hear from some of the executives from the firms that built this website. And you can expect theyre going to get very, very tough questioning up on capitol hill as to what exactly went wrong here, what its going to take to fix it, and how long that whole process might take, larry. They already released their testimonies or at least parts of it. We have a sense. And youre exactly right. This frontend, backend dichotomy is one of the Biggest Issues. Well get to that in a minute. I want to ask you one other thing, eamon. Sure. When will we see Kathleen Sebelius, the secretary of hhs. When will we see her . Were expecting to see next week up on capitol hill. Apparently there is not going to be a u. S. Government person up there tomorrow. Were going to see just the contractors who built the website. That might put sebelius and the government at a little bit of a disadvantage here, because you can expect that the fingerpointing here is just going to be fast and furious. You expect to hear from the contractors that they were given unrealistic deadlines and a lot of pressure from the white house and from the government, including sebelius. You can expect she would then want to put the blame somewhere else. I think its a huge mistake, i agree with you, eamon, a huge mistake. The contractors, you are exactly right. Theyre pinning the blame on white house decisions for Early Registration before you could go browsing and shopping. And that has a lot to do with this. And she is going to let that sit for all weekend long, friday, saturday, sunday . She probably wont go on the sunday talk shows. I think its a huge mistake. Part of the problem for the white house, larry, is that sebelius has not done well when they have used her publicly in high profile segments. A couple of interviews that have not gone very well in recent weeks for her. So there may be a little wary of putting her out in a very High Pressure situation like this until they have a chance to really go through some of these problems and have some good answers for her to give. Right now they dont have a whole lot of good answer. They simply say there are problems. Were working on it, and we dont have an estimate of how long its going to take or what exactly the problems are before we can get this whole thing fixed. Many thanks to eamon javers, cnbc washington, d. C. Now, lets give you more of the latest obama care headlines there is more. Hhs secretary Kathleen Sebelius said in an interview that president obama did not know about the problems with the website until it went live october 1. Meanwhile, congressman paul ryan is trying to get sebelius to testify in front of the house budget committee. He says she has been trying to get her testify for more than two months. The new shop and browse feature on the obama care website often shows users inaccurate information. In some cases, prices shown are half the actual costs. And then there is a report from north dakota that says the Obama Administration is trying to hide the low enrollment numbers. One official with Blue Cross Blue Shield there says the federal government told the insurer not to go public with the data. But the company did anyway. And only 14 North Dakotans signed up in the first three weeks. All right. Unbelievable. Lets bring in our distinguished panel of the night. With us is former health and Human Services assistant secretary ben sass. Now he is a republican candidate for the u. S. Senate in nebraska. Bob krzyzeweski. Gentlemen, thank you very much. Let me just go to ben. Let me start with you. I want to touch about this breaking news that the white house might extend the signup period for at least six weeks, that all these Democratic Senators running for reelection. Likewise, the white house on the run or are they making an astute decision to cut the rug out from republican criticism . Yeah, larry, i think that we know that there have been claims about being the most Transparent Administration in history. All of the data about the runup to the rollout of this website has been hidden, and now we know were having the information hidden from us about how many people are actually getting enrolled. I think the white house should be doing more than a sixweek delay. They should hit the pause button and admit right now this is not implementable and not ready for prime time. Bob, you said at one point in one of your blogs, ive reading up. Its really great stuff and an enindication for me. You said it would be have been off if they shut it down right away. With the sixweek delay, in your opinion, is that enough to accommodate the demand that is out there, or should they go longer . Nobody knows how long its going to fix. I absolutely agree. One of the biggest problems weve had here is everything is top secret. We dont know what is wrong yet. We know the symptoms, but thats all we know. Another thing that is interesting about all these Democratic Senators wanting to extend the mandate, what theyre essentially saying is the Insurance Companies have to take all the sick people for as listening as they want to extend the mandate, but the Healthy People dont have to sign up. This is just part of the train wreck that is evolving right here is the congress of the United States going to include as part of that legislation a subsidy for the Insurance Companies to pick up all these desperately ill people who want to sign up for Health Insurance right now . Because the Healthy People are going to sit it out as listening as the mandate is postponed. This thing comes completely out of balance. This is the Unfunded Mandate of all unfunded man dates. Does it unravel . You say out of balance. Interesting term. What youre basically saying is the sicker people, theyre going to come in first, but theyre going to cost a lot of money. A lot of money. Youre saying secondly, the younger people, the younger healthy cohort of which theyre expecting close to three million to sign up i think in the first year, they are going to stay away. Now, what does that mean out of balance . Does that mean the problem implodes . Does that mean the Insurance Companies get penalized . Does that mean this thing just has to break down . What i think the Administration Still does not understand is that they continue to talk about these website problems as if its just a computer problem. Were going to get beyond it, and obama care is going to be there. The way this works is weve got to get many more Healthy People signing up in order to pay the costs of the sick people. These website glitches are such that the sick people are sitting up all night in their pajamas to sign up for this thing. The Healthy People look at it and say i dont want to fool around with this. Im hearing all these horror stories. So what you get is a pool of insured that is mostly sick people, not healthy, and the whole program implodes. Now, if theyre going to extend the mandate a year, which i agree, they may have to do. You cant force people to pay fines if they cant sign up. I understand that problem. But if they extend the mandate a year, theyre just inviting this, theyre inviting this to be nothing but a pool of sick people. Right. And it blows up financially. It does. Theyll come to congress and they wont get it. Theyll want more money and more taxes. Theyre not going to get it. Ben sasse, everyone is jumping on sebelius, blaming her, saying she ought to be fire and so forth. Maybe she should. I dont know enough about it. But one of the Key Contractors releasing their early testimony for tomorrows investigative hearing blames the white house, blames the administration for a crucial decision. I want to get your take on this that the front end, the front end of this they decided that only registered, you have to register with a lot of personal information in order to see the prices. And see all the other specifics and the financing methods of these plans. Not browse, not shop around. You have to register. And that held back a lot of people who were going to register, but decided it wouldnt work. Is it the white houses fault because they wanted to hide this information and hide the prices, or do you think sebelius was part of that decision . Yeah, i dont think we know the answer to who knew what, when. But whats clear is in the administration across the white house and hhs, there was a desire to hide from the American People and from reporters how much rate shock there was going to be. So theyre claiming your north dakota example was a good one, only 14 people getting enrolled in north dakota and trying to prohibit the insurers from releasing that information. Theyve tried to claim there are 450,000 people who are actively engaged on the website. We dont know what small fraction of the 450,000 are enrolled, and we dont know what the average rates are. Oso to bobs point, the white house thinks according to cbo calculations, they need seven Million People to sign up next year. 2. 7 million of those have to be young, Healthy People who are paying rates that are much higher than the market would normally bear. Thats why they tried to create this wall on the front end so you couldnt see the real rates systems of ultimately this isnt just a website problem, its a political problem. Go ahead, bob. It sounds like let me just ask. I think what ben just said is right. This sounds like at the last minute now this is what the contractors are saying in their released testimony. I cant swear on it. But look, it sounds like at the last minute, the white house made a decision to put the registration first and the shopping second, and the contractors are going to say that that screwed up their whole system and put everything on overload. In your judgment, does that sound right . Is that a plausible explanation . Because if it is, then the white house is going to be blamed bigtime for this. There is no question about that and the contractors are finally talking. But what has happened here is rate shock has been such a serious issue. The administration has worn up and down there is no rate shock. Let me tell you, millions of letters have gone out to people in the individual Health Insurance market today telling them that next year when they go to obama care, their rates are going way up. The Insurance Companies by and large are giving their customers the chance to change their renewal date. Its a loophole in the law. If you change your renewal date to december, you can keep your old rates and your old Insurance Plan for 11 more months. Larry, i talked to a Health Insurance company ceo today who told me that theyre offering this to their customers. And the customers by 151 are choosing to stay on their old products and their old insurance rate base rather than to convert to obama care. Right, right, right. 151, that tells you there is rate shock. They were promised, they were promised initially by the president. If you like your Insurance Plan, you dont have to change it. If you like your doctor, you dont have to change it. We are learning thats completely untrue. Huge states in california and florida, for example, are ceasing, ending the insurance policies that people had. Literally. Absolutely. Hundreds of thousands of policies are ending because of obama care whereas the president , whenever it was, two, three years ago and still says its not necessary. Larry, its millions. Its millions. Its millions of policies. Its absolutely millions. There are 19 Million People in the individual Health Insurance market. The vast majority of them are losing their policies. Those policies are vaporizing. And thats another problem here with these computer systems. The Insurance Companies have been by law required to vaporize those policies effective december 31, and these people are supposed to go reenroll. They cant get on the website to reenroll. There you go. Real quick. Go ahead, ben. Real quick. I was just going to say, bobs point is quick. 80 of the individual market is evaporating in florida. But because you cant get on the website and youre hidden to whats in your plans, no one even knows if their own doctor will still be in their plans because you cant get to that detail on the website. Its all hidden on purpose. Gentlemen, thank you. I really appreciate it. Now, well go to stocks. The rally took a pause today, but came back well off the lows of the day. Were going to look at that with our ace investors. And later, team bohms Foreign Policy track record just keeps getting uglier. Just today, two longtime American Allies showed their displeasure with the white house. One even made an accusatory phone call to the president himself. We have all the details. And as usual, dont forget free market capitalism is the best path to prosperity. This obama care plan is the exact wrong direction. Im larry kudlow. Well be right back. What you wear to bed is your business. So, if youre sleeping in your contact lenses, ask about the air optix® contacts so breathable theyre approved for up to 30 nights of continuous wear. Serious eye problems may occur. Ask your doctor and visit airoptix. Com for Safety Information and a free onemonth trial. Welcome back to the kudlow report. Stocks took a breather today. The dow losing 54 points. The nasdaq down 22 and the s p off a few points breaking a strong streak before today. The benchmark closed at record highs each of the last four sections. Caterpillar proved to be a big drag on the markets today, down 6 after a report in earnings falling short of analysts expectations. The company also lowering its Sales Guidance for the full year. And we want to show you oil, falling again today, down to 97 a barrel. And the yield on the tenyear note fallen to 2. 5 . Larry, back to you. All right, courtney. Thanks very much. All right. Lets go. And look at the statement. We have steve cortes with us from veracruz. Steve, welcome. Thank you. My pale munson couldnt get hooked up in new mexico. Bond rates contin