HBO's Silicon Valley Episode 1 is out

When Ludicorp launched the game Neverending, they had no idea that it would turn into the image app giant today known as "Flickr". All they wanted was to build a massive multiplayer game on a web platform which never took off (in a viral sense). Eventually they spotted this "image sharing" capability hidden within their app and spun it separately as FlickrLive. FlickrLive was a chat room application with a real-time photo exchange functionality.

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Predictive Analytics and Big Data in Real World

In 2012, national retailer Target sent some customers pregnancy coupons and one of the recipients was an 18 year old teenage girl. Her father received the coupons and arguably was angered. He contacted Target's management and rebuked them for sending the money saving offers to his daughter especially when she was not pregnant.

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Should I pursue an MBA?

A friend of mine sent me a link to an MBA and asked me whether it would be worthwhile for her to pursue it. We went back and forth with series of questions until I could say anything about the degree being fit for her. Since this was about fourth time someone had approached me for advice in regards to their educational endeavors, I think it would be a good idea to assemble my thoughts in a post.

Find out exactly why you want to do it

Going after a degree with no goal in mind is a pure waste of money. Even Ivy League institutions can’t provide a career boost if there is a void in planning. From a practical point of view I can think of the following reasons that one would intend to move further in professional education:

1. For fun and personal knowledge
2. For vita enhancement (resume upgrade for career potential at other companies)
3. For more money (degree will result in higher income)
4. For career progression at current job

Let’s go through the above points one by one.

The love for the Education

Education for personal gain and interest is always a good idea and has no limits. So go ahead without hesitation if this makes you happy. I myself am a student at distant universities and at Coursera because I love to learn about various topics.

Career potential at other companies

I am a stern believer in the fact that employers never provide any kind of job security but we create them for ourselves. We all carry our own brands and it is our duty to keep our brand highly marketable. The more competitive, passionate and diligent we are the higher the job security we will create.

If the degree you are considering will add to your brand, then you should go for it. A rule of thumb is to do a hypothetical job search as if you were looking for new ventures and take note of the requirements for the kind of job you want. Use this info to come up with what sub-specialization you like to do in your degree work.

Degree will bring more money

Going after a new degree because it may increase your pay is very risky move. You should do a thorough analysis and ensure that your work performance and behavior are not the reason your career is stuck. The reason being the degrees never change your behavior or work performance but you have to do it yourself.

I have never hired anyone who has claimed that he or she is applying for a job because of more money. During interviews I look for passion, knowledge and attitudes, since these are the habits that will create your job security which will translate into higher income.

Bottom line: think twice before pursuing a degree just so that you may get more money.

Career progression at current job

Getting a degree for career progression at the current job depends on several factors.
The most important one is the career perception disconnect between employees and the management. Employees believe that they will have a better chance at proving themselves if their boss gives them a new role, position or promotion. On the other hand, Management believes that the employees who want it all will show motivation by taking initiative on their own and prove that they are ready for career upgrade by taking new responsibilities and doing things that are not even part of their current job.

So the crux of promotion is changing one’s daily activities for the job one wants and not limiting one’s work to the current job requirements.

The Target Job Requirements

You will need to talk to your manager in scenarios where you are not sure what additional responsibilities you can take on. Every good manager knows the answer to “what one has to do to advance in one’s career.” In most cases there is additional knowledge, responsibilities and work that are desired by the manager. The bottom line is that the manager should be able to give an idea of this “list” of things that he/she values the most and considers sufficient for career growth.

The Degree Decision

Once you have determined your target job requirements by either talking to your manager or by yourself, put all the information you gathered in the form of a list. Test your current skills against that list and check how many of them you currently have or don’t have.

You should go forward with furthering your education to fill in the knowledge gap if you find yourself lacking most of the skills.

You don’t need a new degree if you already have all the required skills. You only need to start using them and working hard.

Bottom Line

Pursuing new degree is never a bad idea as long as we do it for the right reasons. MBAs can easily cost us $50-$60k and that level of debt demands thorough investigation. It is also worthwhile to examine ourselves to check if there is something wrong with our aptitude, attitude, will and skill. Degrees are meaningless if the problem lies within!

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Emotional Intelligence in Leadership Careers

Ever notice how when kids misbehave, the first thing people wonder is how or what the parents are teaching them? The same thing applies in career life which is why it is crucial to follow the right leader.

As adults, our traits are molded by those whose lead we follow and overtime we shift closer to becoming a portrait of their habits. I was lucky enough to have bosses who taught me the value of emotional intelligence throughout my career. Kevin Pete, a senior Vice President, was one of the influential ones I reported to. His analogy was that hiring the best intellects and the best book smarts is easy; it's the intellects with strong emotional intelligence that are hard to come by.

There were certain things Kevin did which really impressed me and I started to insinuate his style. When he was giving me initiatives and feedbacks on my skills, he knew he was creating a new leader yet it never worried him that someday I may outgrow him. Suffice to say that he treated me like a child whose parents wants him to do better than them. This is actually a very important point because this is the difference between a manager and a leader. A manager is afraid of creating competition whereas a leader deliberately creates new leaders. He trained me to the point where I was promoted to report directly to the president and CEO of the company.

One thing I noticed common among Kevin and my new boss, Rick Haines (CEO of AultCare), was the fact that they both lead through inspiration instead of fear. Not once did I hear anything from either of them which implied directly or indirectly that if I didn't deliver xyz I would get fired. The end result was that I found myself trying to deliver results not to protect my job but to avoid disappointing them and breaking their trust.

The reason I brought my experience up is because these folks knew the power of emotional intelligence and through that they communicated the "why" instead of "what" to me. My understanding and agreement of why they want to do certain things made me felt connected to their cause and part of the family.

Never forget that as a leader you don't manage just people but also emotions. Our employees take cues from us more than we think and through slight adjustments in our style we can make it easier for them to approach us, enable them to report accurate statuses of where things stand without the fear of retribution and allow them to speak their mind on different strategic ideas.

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Big Data Implementation

So you have a fairly decent idea about what Big Data is but that's pretty much where the story stops. The technological shift is so curved that the most common challenge is figuring out how to go about with the implementation. This post is meant to give you food for thought and get you out of that twilight zone.

The Implementation Steps

There are many paths one can take to achieve Big Data goals. In my case I have divided the implementation into four main steps.

1. Select Business Objectives and Hypothesis
2. Explore Data
3. Conduct Scientific Analysis and Big Insights
4. Take Meaningful Actions 

Business Objectives

High level business objectives are often very similar across the board; it's taken for granted that they exist in the business plans which is why they don't normally come up during pre-implementation phases. Nevertheless, lest we think objectives are not important, I will talk about them as being the first step.

The real value from growing data comes from knowing what can I do with this data and how can I get value from it. You are not going to know what you need unless you have identified high level objectives.

High Level Objective Examples:

• 360 view of a customer
• Increase sales
• Decrease fraud, waste and abuse
• Cut unnecessary workforce costs

When selecting objectives think of items that are not specific questions but a gateway to them. From the examples mentioned above the "360 view of a customer" is a better choice than single questions like "how many users are satisfied with your service". The reason is that your research on "360 view of a customer" will also answer the satisfied customer question (among other things).

Data Exploration

If you recall the three Vs of Big Data, you will have to assemble data that conforms to the volume, velocity and variety. Your data warehouse, social media channels, customer interaction system and enterprise system are great sources for actionable insight.

The important thing to keep in mind is that data silos and Big Data cannot co-exist. In order to function as intended, Big Data needs to connect and communicate with all data types. This is one challenge that some companies may face with their database administrators or IT staff, primarily because most DBAs think about data in fixed relational and schema terms. However, when we talk about Big Data, we mean data that can be variable, of different types and structures or be needed in real-time.

Points on starting with the data sources
Do not try to identify and connect with each and every data repository in your organization from day one. Assembling too much too quickly will create a chaotic environment and will bring lots of garbage with it. Work in continuous phases instead.

The reason I suggest working in phases is the veracity of the data. I am sure with undertaking an important initiative like Big Data you would want to ensure the veracity of your results are intact. Here are some suggested steps (by the way, this is also where the Hadoop or MapReduce comes into play - I will write a separate post about that.):

Step 1: Connectivity - Discover data repository and establish connection.

Step 2: Data Analytics, Indexing and Extraction - Identify what objectives that repository fits under and recognize its users. Format your data by creating views and relationships so that it is useable. This will also give you an idea of its value and utilization.

Step 3: Develop Framework - Leverage the data by building a funnel-like framework where the different types of data meet. This will allow you to see patterns, themes and profiles. You will connect streams of data that are already formatted or are real-time directly into this framework.

For example: Your data warehouse should connect directly at this level and does not need to travel through the second step.

Step 4: Applications – Develop applications by using the framework as a source and offer these to your departments and data scientists.

Developing the framework and the application is the most crucial and difficult task. You will either have to develop applications in-house or use tools from third parties like IBM and Oracle.

Important note about the Framework – Your framework should allow you to explore data across multiple platforms like enterprise systems, CRMs, SharePoint, Emails, Files and Documents, Databases and Data Warehouses without replicating any information. Many businesses feel compelled to bring everything to a single location because logically it feels like our analysis will be way easier that way. However, I want to warn you that the main purpose of the framework is to avoid this single location practice. The ideal scenario is to leave the data where it is and consult it at that location whenever you need it.

Here is why the single location implementation is not a good idea for Big Data:

• By the time your data flows through the regular formatting and other channels, it may be too late. Re-routing real-time data defeats the purpose of actionable intelligence. 
• Centralizing everything means you are probably replicating your data which is not good since it will waste space and you will overwhelm your team with an overwhelming amount of information.

Example: If I want to gather real-time customer sentiment from social channels (say Twitter), it would be wise for me to have my framework go out and analyze Twitter and bring back the relevant data rather than copy all the data I can find from Twitter in my primary data warehouse.

Scientific Analysis and Big Insights

The applications you develop using the framework will allow you to conduct scientific analysis, create profiles, recognize themes and establish patterns. You can use this information to fulfill your objectives that were defined in the first step.

Scientific analysis and big insights can help the most with things like profiling, patterns, and 360 degree customer view and customer satisfaction.

Profiles and Patterns
Using the patterns and themes found in your data you can create profiles. These profiles can be matched against your new or potential customers to calculate their risk score, purchase potentials and needs. This is also known as predictive analysis.

Healthcare can benefits from predictive analysis by identifying the probability of an illness and kick-start preventative treatments. Fraud, waste and abuse can also be controlled by flagging the abusers of the service and taking appropriate actions.

Health Insurance Exchanges will benefit the most from predictive analysis by utilizing real-time risk scoring. This is huge because Obamacare does not allow insurance plans to ask for any pre-existing conditions anymore and Big Data can provide help to fill that information gap.

360 customer view dashboard
The velocity of the information available matters the most in customer interaction scenarios. Whether it be through email, website, in-person or by phone, the speed of data will enable you to market at the right time, solve issues effectively and recognize any concerns immediately.

If you observe the average amount of time logged by the customer service per call, you will notice that most of it is spent in either finding the information, having to look at multiple applications or rerouting to someone who has the missing piece. This can be avoided using the 360 degree customer view dashboard.

The customer service representatives are not data scientists which is why the dashboard should be a self-service pre-computed system and should display all the relevant information to them. They should be able to see the most current information without having to open multiple applications including recent email communication with the user, call logs, member status and subscription information.

The customer service can also bring sales and marketing to a whole new level. During the call the dashboard can empower them to see if there is a service that fits really well with something that customer already owns and whether there is high probability of the caller being receptive to the offer. Hence suggesting the right products at the right time.

Customer satisfaction trending
Google's CEO Eric Schmidt once confessed that if Google wanted to, it could have gotten into predicting the stock market just for fun. Google decided not to; nevertheless Eric's statement shows the power of mining trends in data.

Your Big Data application should mine Twitter, Facebook, call logs and email communications for real-time decision making patterns. Think about it! The real-time movements in these areas can easily tell us:

• If a certain type of complaint is picking up momentum (lots of people calling about the same thing or talking about the same thing)
• If there is a danger of an outbreak (healthcare can do this by monitoring their claims, calls and emails)
• Whether a certain product is doing good in the market or not (it can tell us what buyers are thinking - it's expensive, good, bad or just right)

The trending and real-time analytics works similarly as text analytics where you take apart a string, remove noise data and look for words that appear again and again. If analyzed properly you should be able to tell where you need to divert your attention (e.g. high percentage of phone calls coming in due to a broken fan in your product).

Actions

The last and most crucial piece is to have meaningful actions to improve the outcome of an event. The kind of actions a business will take should be planned early on otherwise all you have is this Big Data staring at you with big results and nothing to act on.

Here are some actions with respect to the ideas presented throughout this post.

• Customer service training should be modified to include a customer dashboard which will reduce the training time and the costs associated with it. 
• Eliminate silos in the company by using Big Data as a means to have them collaborate and work as a team.
• Increase revenue by improving marketing efforts through up-selling, cross-selling and suggesting services at the right time.
• Reduce fraud, waste and abuse by flagging suspicious behaviors and by matching profiles of potential customers with the known abusers.
• Increase customer satisfaction by taking appropriate steps depending on the trends found in the real-time data streams.
• Brace for any outbreaks if a pattern is observed that is growing and contains a common disease variable.

Bottom Line

At the end of the day we will eventually arrive at a point where the source of data will not matter anymore. What will hold importance is the knowledge and ability to analyze the data effectively. For this reason you will have to pick and choose your battles on whether to use third party infrastructures, repository cloud or manage it all in-house. Same goes for data processing capabilities, if the size of your data is too large you can use platforms like Map Reduce and Hadoop.

Another challenge to Big Data is the notion believed by some that it is something evil. While there are pros and cons of everything, it is vital for us to understand Big Data is not evil. Many who bad mouth this technology don't realize how they may already be benefiting from it. Ask anyone who has ever been unfairly denied for a credit card or loan application should understand that had Big Data been in use, the outcome would have been different.

Thank you for reading and I hope I was able to give you some level of idea on Big Data implementation.

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What Big Data Is and What It Isn't

Want to know what is Big Data? Consider this: since the beginning of time until 1993 the amount of digitized data humans created was about 5 Exabytes (5 billion Gigabytes), in 2010 we created 5 Exabytes in just two days, and in 2013 we are creating that same size in 10 minutes. Just thinking about what we can do with this information gives me goose bumps.

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Threat of Hackers in Healthcare

When Captain Zap hacked AT&T, millions of Americans saved money on their long distance phone call bills. Captain Zap successfully penetrated the AT&T network and went on to be part of the hacking hall of fame. His case is famous because AT&T didn't even know about the hack until after the next set of bills went out. By then the damage was done and Cap Zap was nowhere to be found. He was eventually caught but it took 18 grueling months of FBI hard work.

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Extensionless URL Rewrite in ASP.NET

URL rewriting is on the most powerful and important feature one can implement when developing websites. Among many benefits the most obvious ones are security and easy to follow paths. Rewriting rules hide the querystring variables being passed and make it easier for search engines and visitors to understand and follow the pages.

A typical rewrite scenario is where you have a URL like http://www.site.com/Default.aspx?bookID=12. You can turn this URL into http://www.site.com/Books/12.aspx. You can even go one step further and remove the aspx extension, turning the URL into http://www.site.com/Books/12.

How to implement it

In this post I will use URLRewritingNet as an example. You can use other providers if you like, but the process is almost the same.

Step 1: The DLL
Download the rewrite dll from http://www.urlrewriting.net/159/en/downloads.html. It is a zip file which contains the actual dll (UrlRewritingNet.UrlRewriter.dll).

Step 2: DLL Installation
Add the UrlRewritingNet.UrlRewriter.dll file into the Bin folder of your website.

Step 3: Web Config Setup
Enter the following section into the configuration's <configsection> so that it can be advertised.

<section name="urlrewritingnet" restartOnExternalChanges="true" requirePermission ="false"
type="UrlRewritingNet.Configuration.UrlRewriteSection,
UrlRewritingNet.UrlRewriter" />

Step 4: Register rewrite as an HTTP Module
Since we will handle all incoming requests with UrlRewritingNet, we will have to register the component as Http Module in the <system.web /> section.

<add name="UrlRewriteModule" type="UrlRewritingNet.Web.UrlRewriteModule, UrlRewritingNet.UrlRewriter"/>

Step 5: Enter the URL Rewrite rules
After the end of <configsection> and inside the <configuration/> we will add the rewrite rules. It is these rules which are responsible for handling your URLs.

In the following example our rule will take the book id URL and translate it to the inner querystring url.

 <urlrewritingnet rewriteOnlyVirtualUrls="true" contextItemsPrefix="QueryString"
defaultProvider="RegEx" defaultPage = "default.aspx"
xmlns="http://www.urlrewriting.net/schemas/config/2006/07" >
<rewrites >
<add name="Rule1" provider="RegEx"
virtualUrl="^~/Book/(.+)$"
rewriteUrlParameter="ExcludeFromClientQueryString"
destinationUrl="~/Default.aspx?bookID=$1"
ignoreCase="true" />
</rewrites>
</urlrewritingnet>

Test run

If you visit /Book/12 it should translate to /Default.aspx?BookID=12

Troubleshooting

Rewrite rules with aspx extension work but the extension-less URLs give 404.
You may receive 404 (File or directory not found) error because under the Visual Studio webserver, every single request is passes through ASP.NET while in traditional IIS this is not the case. This can be solved by adding a UrlRewriteModule as a module in the <system.webServer> block.

<add name="UrlRewriteModule" type="UrlRewritingNet.Web.UrlRewriteModule, UrlRewritingNet.UrlRewriter"/>

Project files are available here: https://extensionlessurls.codeplex.com/SourceControl/latest

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Image displays in Firefox but not in IE

You have created a jpg image which looks really pretty in Firefox but the Internet Explorer shows a big fat "x". This boggled my mind for some time until I decided to look into it in detail. Lest you from keep guessing, the issue was CMYK format instead of RGB.

See the highlighted area in the image on the right indicating the CMYK mode. The CMYK mode (Cyan-Magenta-Yellow-Black) is good for media printing but is nothing something for the web display. Even though the RGB is intended for web graphics, the CMYK is still supported by majority of the browsers.

The reason some versions of IE may not display the image is because of the CMYK format. All you have to do is change the encoding mode (see image below) and all will be fine.

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Career as a .NET Consultant for Non-Degree Hopefuls

Neil deGrasse once famously said that science is not about simply memorizing facts only to spit them back during exams or to turn into a science parrot. I share the same view on IT and couldn't agree more with Neil.

We would be making a huge mistake if we evaluated candidates solely on their performance with their degrees. Memorizing a bunch of programming or technological facts and theories will turn one into an IT theory memorizer, while hands-on experience will create a true IT literate.

I bet when food connoisseurs judge a chicken entrée, for example, they go after the presentation, taste and visuals rather than the chicken's ability to dance or sing opera. Similarly the goal of any job is to get it done within deadlines and using the most efficient algorithms possible.

When I look for IT consultants, I specifically look for IT literates who carry a passion for what they do and can get the job done. I have hired high school grads with at-home experience who did a better job for me than most associate or bachelor degree holders. It could also be that non-degree holders felt like they had to work harder to prove themselves.

I am in no way trying to undermine the importance of a proper education, degree and credentials (I, myself, am planning to go for my PhD). The primary purpose of this post is to encourage all those without a computer degree to learn, experiment and see if IT is their cup of tea. I tried programming when I was 9 and I have been hooked since.

Programming Packages

IT consulting as an application developer always requires a mix of technical knowledge and not just one single language. Hence, if you are thinking about consultancy, you'll have to learn your primary language and then everything else that comes as part of that programming language package.

For example, during my high school year I started my career as a simple web developer with the knowledge of HTML, Java script, CSS and CGI. I then moved towards consulting as a PHP developer on a part-time basis. Being a PHP developer, my expertise was in LAMP (Linux, Apache, MySQL and PHP). You can think of LAMP as a programming package for PHP programming. My job as a PHP developer did not require me to work on the Apache server or configure Linux on a regular basis, but I needed the knowledge to be able to look in all the right places should a problem arise.

The point is to learn multiple things in order to be successful at a particular job. In this post I will discuss the ASP.NET programming package path.

ASP.NET (Web forms) Consultancy

As the name suggests, an ASP.NET consultant is one who specializes in developing programs, projects or websites using ASP.NET. The .NET language has two main types - Web and Win forms respectively. Win forms is all about "windows based" development (e.g. like developing a calculator), while Web forms is all about developing websites.

Here are some of the most important skills for any ASP.NET programmer:

Skill	Notes
HTML & CSS	HTML is the markup language used for developing webpages. The CSS is the code used to style and format the webpage.
Software development lifecycle	A typical application project goes through phases like planning, outlining the specifications, design & analysis, development and testing. This whole process is known as SDLC or software development lifecycle.
Web site hosting	This is the understanding of how the websites and domain names work and what kind of tools one need to launch a site.
IIS	Internet Information Services (IIS) – formerly called Internet Information Server – is a web server software application by Microsoft that helps manage and serve the websites from a local computer to the outside public.
Knowledge of OOP (Object Oriented Programming)	OOP or Object Oriented Programming is a type of programming language which makes use of "objects" in its algorithms. Famous OOP languages are C++, C#.NET, Java, PHP, Visual Basic.NET
ASP.NET (C# or VB.NET)	ASP.NET is a Web application framework designed for Web development. It was developed by Microsoft to allow programmers to build dynamic web sites, web applications and web services. Within ASP.NET there are two frequent paths taken: C# or VB.
Knowledge of a relational database - MS SQL	A database is a structure where you store information. Famous relational databases are Microsoft SQL Server (MS SQL), MySQL (Usually used with PHP) and Oracle.

Regular universities teach these skills by taking students through a variety of courses like Java, C, C++ and concepts like Object Oriented Programming.

Below is a list of sources that non-university students can consult and learn on their own for free.

Skill	Notes	Source
HTML & CSS	W3School provides excellent tutorial on HTML and CSS. Follow the link to W3School to check their chapters on HTML. You can write HTML code in notepad and save it as an HTML file and open it in a browser.	w3schools
Software development lifecycle	You will learn more about SDLC as you advance in your programming skills. However, for sake of learning and having an idea, the link is provided to a tutorial blog.	What is SDLC
Web site hosting	The best way I learned about hosting was through purchasing my own hosting account through hosting providers like Godaddy, M6 and 1&1.
ASP.NET	You will need to download Visual Studio to learn and practice ASP.NET. The best websites to learn ASP are YouTube, W3School and ASPNet.
Knowledge of a relational database - MS SQL	Understanding databases is very important because you will need them to save your data. I like the ASPnet site for MS SQL tutorials.	ASP NET

Here are some suggestions on honing your skills:

• Don't wait for landing a job to gain experience. Instead, start your own website or some kind of a complex project which can be showcased on your resume.
• Offer volunteer work to local businesses, churches or any company you know so that you can use it as experience on your resume.
• Continue practicing and learning new concepts. If your financial situation allows, take small certificates.
• Keep an eye on eventually completing an associate degree if not bachelor.  Build connections during any project you do so that you can use them as a reference.
• Keep a documented list of projects you have completed. I have seen many experienced applicants fumble the question "tell me about some of the projects you have worked on."
• Get in the habit of finding a solution on your own. Employers love the go-getters and solution finders. You can be asked "Tell me about a situation when you had to complete a project using tools or skills you never worked on before."

Reality Check

You should build a portfolio of your work to prove your expertise during interviews. You will also have to work harder than those who bring degrees to the tables. Nevertheless, if you are really good at what you do, you will definitely be able to land consulting jobs. You can also benefit from consulting companies like Tek Systems, Robert Half, Comsys (Experis) etc.

While temporary consulting is not an issue, getting hired permanently will still be a problem. In today's world, an associate, bachelor's or master's is a requirement for the majority of the IT positions.

My advice is that you get started in the field at an appropriate rate and save some money. Once you have a little bit of a wiggle room financially, go for some kind of a degree. You also have the option of attending online universities.

Bottom Line

Designing, programming and developing is like math. You can learn all the concepts and formulas you want but what would make you valuable is your ability to apply those formulas to fix problems that you may have never seen before.

IT is also similar to math in sense that you either use it or lose it. So go ahead and play with the tools, find out if you like it and never stop practicing. The biggest downer in the interviews I conduct is if I see a particular skill listed on the resume under the expertise but come to find out that the last time the applicant used it was 3-4 years ago.

Don't worry about the money. The money and wealth is only the after effect of you loving what you are doing and being good at it.

Good luck and happy programming!

 

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Implement Direct Enrollment or Lead Generation at the Health Exchange?

Henry Chao, the deputy CIO at CMS was probably not kidding when he said "Let's just make sure the Federal Health Exchange don't turn into a third world experience". We saw a slight glimpse of Chao's fears during the QHP submission period when the issuers kept experiencing the timeout issues.

During the planning phase the Govt. underestimated the website traffic by a major margin which is why when they went live, they suffered from a phenomenon similar to that of a traditional hacking attack known as DOS attack (Denial of Service). DOS attack happens when too many people visit one's website at the same time clogging its resources and rendering it unusable for everybody.

HHS recently announced that they will be adding some more servers to their HIOS fleet to facilitate seamless experience. Eventually their changes will allow issuers to get their QHP applications in, but this mess begs attention to a bigger event being the open enrollment!

The Federal Facilitated Marketplace

Starting October 1st the population interested in tax subsidies and Qualified Health Plans will visit Federal Facilitated Marketplace. This number of visitors will be way bigger than what HHS saw during its QHP submission time. I can only hope that the Feds have kept this larger traffic in mind when designing their hardware needs.

Direct Enrollment or Lead Generation

Direct Enrollment and the Lead Generation are one of the options through which the issuers can sell their products on the exchange. They are very important because they allow issuers to let consumers shop their plans without competing with anyone else.

The only single and the most important difference between these two options is that under Direct Enrollment, it is the issuer who carries most of the Burdon while under the Lead Generation, the exchange does all the processing. This brings us to the crux of this post which is the question that if one of these two algorithms is better than the other?

While I understand that due to IT staff size or budget shortages, having HHS do all the work would be the way to go for many plans; I lean towards the Direct Enrollment method. It is the safer bet of the two because it does not fully rely on the Federal servers.

Delivering on time is not enough

There was an article published this AM in USAToday that mentioned Whitehouse touting the success of ACA on the fact that it was hitting milestones on time. The problem is not delivering the milestones on time but delivering the products that will work. The USAToday failed to mention anything about the mess that happened at the Government severs which resulted in deadline extension. Only time will tell how the whole thing turns out but let's just hope it is not a nightmarish whack job scenario.

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Affordable Care Act is Anything but Affordable

Healthcare reform and the ACA mandate have been preached as a savior from the rising healthcare costs but the reality cannot be any farther from the truth. Simply put, the ACA is a program which focuses on paying the premiums rather than looking at how to bring down the healthcare costs.

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