Gerri is obamacare limbo and Insurance Agent in North Carolina tells us an unusually high volume of his obamacare applications are being sent back to him. Applications that still appear to be part of the overall obama care enrollment numbers but have yet to be officially approved and people applying for health insurance, theyre in limbo. With us now that Insurance Agent, dennis hill. Joining us paul howard from the manhattan institute. Dennis, thanks for coming on the show tonight. At what rate are you seeing applications returned to you . Well, were getting a pretty good rate now that, about 40 . Were doing a good many applications each week and seem to be getting works lately. Gerri dennis, that is about two in five of the applications youre getting are coming back to you and youre a broker with some 16 years worth of experience. Youve been around for a while. You know how to do this business. What do you think is going on . Why are they getting rejected . Were still having problems with the website. It has gotten better than it was. Were still having lots of problems. Too many things trying to go within that system one time trying to verify information and just making a mess of everything. Gerri i want to show folks one of the questions you got back from the website. It was obamacare applicction that was returned to you. The person was told, you need to send the marketplace proof youre a citizen, and yet, this person was a Social Security recipient. Shouldnt they have known . Yeah, were having problems like that. They also should know that what income they make, if theyre drawing Social Security they should have that information and sometimes theyre wanting both proof of citizenship and proof of income which is really crazy. What were trying to do to get them enrolled, it is difficult to do our job because of all the things theyre asking us so do after the fact. Gerri i want to bring in paul howard here from the manhattan institute. Paul, youve seen everything with obamacare. Youve seen all kinds of glitches and all kinds of fundamental problems. Is this surprising to you . These were the problems that were supposed to be cleared up in november. The government is supposed to check your income and citizenship linked them through the federal data hub. On the other hand if he gets higher rejection rate means the process has not been fixed. If this is widespread occurrence theyre claiming enrollments not really completed yet. Gerri that is the heart of the matter, right, dennis . That is one of your Big Questions . Are people being counted and this accounts for the big numbers administration is touting . What do you think . Is this isolated case or is this happening all over the country . This is happening all over the country. The state im in North Carolina, we dont have a state exchange. We have to go through the federal exchange. It gets bogged down and getting people through and subsidy things like that. If they dont get this information back to them what we found out this past week is that the peeple we started back with in october and november and december, theyre going to be terminated within 90 days if they dont get this information to them, even though they think they have coverage they will not have it. Gerri wow, that is horrible position to be in. I should make clear here we tried to Contact Health and Human Services to ask them about these questions. We heard no response or answer from them. I want to give another example, dennis, here, what you have seen. This is obamacare application rejected. The person was told, you need to send the marketplace proof of yearly income for 2014. This person was selfemployed as a farmer. Shouldnt they know from irs documents how much this guy was making . Well, the way the program asks it, asks if your income in 2014 will be the same as 2012. And almost nine out of 10 that is not going to be the same because something changed one way or the other. Particularly if youre a farmer, you have no idea what your income is going to be because of what the climate is going to be like. He just has to go by what he thinks it is going to be. If it is not right, theyre telling him he will be terminated. That is the problem here. So what theyre going to do is check against last filed return. In this case it is 2012. If it is not expected, 10 earnings, they will come back to ask more information. If you have people in his group who have fluctuating incomes from year to year that is going to get flagged. Another flag here, you have to send the marketplace proof youre a citizen, what about that . Surely the federal government knows if youre a citizen or not . They should talk to the Department MuchHomeland Security and other agencies that is citizenship. That is one of the core obligations. Gerri why are they asking this independent broker out there to send proof, that doesnt make sense . Doesnt make a lot of sense. If these were applications completed in back in october and november, having the most problems on the website could be theyre circling around to fix these and got lost in the flood. Were still having problems. Gerri go right ahead. Im sorry. Were still having the problem. We did have that problem back in october and november and basically just quit during those months and waited on december to start back again. But were still, this is february now and were taking applications for april and the same thing is happening. So it has not been fixed. Some of the things have been fixed but not nearly working they need to post this thing for another year and start all over. Gerri dennis, i have to tell you. You have a birdseye view. Youre in the marketplace. Doing the work. Seeing it firsthandd not relying on numbers from the government. See what is happening with the applications every single day. If the failure rid of these applications is Something Like 40 , two in five, are not getting through what does that tell you about the millions and millions of people that the government claims they have enrolled . Well, that tells me that the numbers are wrong and one of the things is, that they think theyre enrolled and information is not getting to the Insurance Companies and not getting billed properly and getting notices if you dont pay this premium i will be terminated. They havent even got a bill so start with. All kinds of things on top of each other. Gerri last word, paul . Clearly still experiencing serious difficulties. Well not have a real picture what is happening until march 31st until open Enrollment Period ends. Government could be make much better effort to be transparent on exchanges. They tell us what they think they want us to know. Gerri is not acceptable to say well not have information until the end of march. Were paying for this Program Every single day and now people will go out into the marketplace think they have coverage and will not have any help. Or show up in a Doctors Office and have no coverage. Gerri absolutely right, paul. Dennis, thanks for eemailing. You contacted us. Thanks for coming on the show. Stay in touch. If you find Something Else we should know about, please let us know. Thank you for all you do. I appreciate the obamacare information youve been sharing with your consume years thank you so much. Now we want to know what you think. Heres our question tonight. Are the obamacare signup numbers, are they inflateed . Log on to gerriwillis. Com and vote on the righthand side of the screen. I will share results at the end of tonights show. There is more and more going on. Gas pages surging last two weeks more than a dime a gallon. A couple factors behind the rise. We have phil flynn from price futures group. Thanks, gerri. Gerri what is going on . Why is gas prices going up . It is everything. You have got a cold winter. First time in a long time we have geopolitical risk breaking out all over the globe. Ukraine, south sudan and libya and closer to home in venezuela. This comes at a worst time, gerri. Right now refiners go into maintenance to get ready for the upcoming summertime driving season. Were still feeling effects from the cold weather. Its a delicate balance. Oil prices are going up and driving up the entire complex. Gerri were seeing 12 , or 12 , 12cent gain to 3. 41 a gallon. That hits families hard. Yeah. Gerri for a family, yes, this is something i will pay for this, no, i wont. You have to buy gas to get to work, to get kids to school. To do everything you ever to do. Right. Gerri so what is your outlook here for gas in particular . Is it hit by International Issues like what is going on in venezuela . Were just showing pictures. It is. If you look what is happening in venezuela, even though we are importing the least amount of oil and gasoline components since 1985, it is still playing a part. 3 because we really depend on, not so much on that oil but to keep the system moving smoothly. hen you have these type of disruptions, it impacts everything. It really, if you look at the entire global where, goes to, whether it is going to china or the united states, anything around the globe that gets out of whack has to be placed from somewhere else and you feel that effect like dominoes going across the globe and thats what were seeing. And even what were seeing in the ukraine in recent weeks had a major impact on the price of oil because theres a lot of concern how russia is going to react, you know, to this change in government. We know in the past that they have cut off supplies of natural gas gas to the ukraine. That supply, 38 of that goes to europe f europe get that is supply cutoff because theyre upset with ukraine not paying their bills, that means they will have to replace it with oil, coal and other things. So that is driving up the price. You have libya which has been a nightmare, on again, off again with production. Gerri right. A civil war in the sudan. Playing into the price wars. Gerri its a global marketplace. It is. Gerri obviously i want to ask you more about natgas. It is coming off a fiveyear high here. What do you see as an out look . I have to tell you, i thought prices would go down forever with all the fracking going on in this country and im in the northeast and the prices are going up. Theyre going up. A lot of people thought what you were did. They were in denial. The last five winters have been normal warmer than normal. This nonheat related demand. I was warning people, watch out if we get a cold winter this thing will run. This could get as high as 7 by 2015. What happened, people were lulled into false sense of security. They assumed producers could ramp up production to meet demand. There are oversupplies burning off. This was a wakeup call. Mother nature is saying we have to invest more in infrastructure. Get Keystone Pipeline going. Get the Natural Gas Pipelines going. Why is new york importing, bringing natural gas from the gulf coast when theyre sitting next to the biggest shale reserves in the world . Doesnt make sense. So weve got to spend money on infrastructure. This was a wakeup call. And if we dont we are going to see more price spikes like this in the future. Gerri couldnt agree more, phil. Thanks for coming on. One of the smartest guys i know about energy. Thank you. Gerri appreciate your time. Thank you, gerri, youre awesome. Gerri thank you. A lot more to come this hour including netflix cutting a deal with comcast and a deal with at t. What does it mean for your bill . 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We only know one direction up so were up early. Up late. Thinking up gamechanging ideas, like this dozens otax free zones across new york state. Move here. Expand here. Or start a new business here. And pay no taxes for 10 years. Wi new jobs, new opportunities and new tax free plan. Theres only one way for your businesto go. Up. Find out if your business can qualify at startupny. Com sometimes they just drop in. Obv. Cme group n help you navigate risks and capture opportunities. We enable you to reach Global Markets and drive forward with broader possibilities. Cme group how the world advances. Gerri hack alert for you now. A major security flaw detected in apple products allowing hackers to gain access to sensitive, private information. Our next guest says you need to act now to protect yourself. We have the cofounder, chief technology officcr at cloud strike. Welcome back to the show. My shock here, this is apple, the iphone, ipads, the mac, having a big wide open back door. What is going on here . Thanks for having me back, gerri. This actually is a very serious problem. If youre owner of a mac product, a mac book or mac desktop product you should not connect to any public Unsafe Networks because what can happen is, malicious actors can intercept all the communications. Essentially a fundamental flaw the way the Encryption Technology in the mac and ios, iphone operating systems works and essentially people can intercept your communications and feed you malicious data directly to the company. There is patch for iphone and ipad. Gerri how did they let this happen . You can apply it, should be on 7. 06 version the latest version for apple put out but there is no patch yet for the mac operating system. Gerri you can hear me right . Yep, i can. Gerri how does this haapen . I think of apple as platform that is super safe and doesnt typically get hacked. Why are we even talking about this . How did this happen . Well, there are problems with every platform. So microsoft had issues. Apple has had issues. Blackberry had issues. It is not that strange that vulnerabilities will be found in any particular platform. This one is particularly bad an im not sure apple is having a great weekend. Gerri is it also the macs but also the iphone and ipad . Thats right. The iphones and ipads are impacted of. But on friday apple put out a patch and everybody should download the patch to get them safe. Gerri there is something you can at least do, right . There are Software Fixes for the iphone 4 and later fifth generation ipod touches and ipad 2 and later there is lot of work for people to do out there. What are real risks if people dont take advantage of the patches . Well, the risk is that all of your Sensitive Communications are going to be intercepted. If youre in starbucks on hotel room or plane connected to public communication wills be read. Your emails, instant messages. People can get into your accounts. If youre doing Online Banking they can get into your bank account and withdraw money. This is really serious issue. Gerri you know, i read that the nsa was hacking smartphones with 100 success rate with a software called dropout jeep. If the government can do this, it makes me really worried about, you know, what the bad guys are going to do frankly. What do you say . Well, the nsa has tremendous capabilities and if theyre coming after you, frankly, you there is not a whole lot you can do but the danger of this vulnerability that any criminal out there can use it very easily and intercept all of your communications. You dont need nsa. A kid in russia can hack your account if youre not careful. Gerri a kid in russia. Thanks for coming on. It is always good to see you. Thank you. Thank you. Gerri well, mastercard is trying to keep you safe when making mobile payments. So thats an issue too. The credit card giant unveiling master pass, in app payments today. That is the program. The Program Allows consumers to securely paid for items within a single mobile app, eliminating the need to have credit card info across numerous apps. He had mack luff lane the ed Mack Laughlin says, they dont want to 50 different accounts with 50 different merchants. They want shortcuts. The in apps program will be available to developers and merchants sometime this spring. Maybe that will help us out. Still to come. We answer your assets. How do you decide to buy or rent the special tool for your next Home Improvement project. Ob don. Gerri moneysaving tips for do it yourself improvements. We have the expert device when to rent and when to buy the tools you need next. Gerri time now for a look at stories youre clicking on tonight on foxbusiness. Com. Stocks starting the week off in the green. The s p 500 hitting an alltime intraday high monday and ended the day less than one point below its record closing high. Samsung unveiling its galaxy phone. The company says it chose to enhance the phones everyday features such as its camera, battery life and waterproofing it over the wow factor. The galaxy s5 will go on sale in april. The samsung will push for very competitive pricing. President Obama Meeting with the nations governors at the white house. Republican governor mary fallon telling reporters afterwards, president obama expects to make a decision on the keystone xl pipeline in the next couple months. Whatsapp is hadding the worlds biggest messaging service which facebook bought for 19 million will make voice calls available on android and iphones this spring. Blackberry, microsoft phones will be added later this year. Those are some of the hot stories on foxbusiness. Com. Netflix announcing that it will pay one of the largest broadband provi