"Terrific Things That Bump in the Night"

"To a people ... who ... believe in genii, ghosts, goblins, and those 'terrific things that go bump in the night', protective charms are eagerly sought for."

The earliest known example of this phrase was printed in 1918 and the meaning was "frightening but imagined supernatural events". However, now in describing Obamacare it really means "frightening but real actual events".

Catherine Sebelius turns a deaf ear.In less than a week, ObamaCare's health insurance exchanges will be open for enrollment. Three months after that, the law's major coverage provisions officially go into effect. It's the biggest expansion of the entitlement state in decades and a massive bureaucratic undertaking.

Even the law's biggest supporters don't expect it to go off without a hitch: President Obama warned earlier this year that the law will likely come with some "glitches and bumps" - like 'terrific things that go bump in the night'?

Here are eight things that could go awry with the law when it opens for business, and in the years beyond, says Peter Suderman, a senior editor at Reason Magazine.

1. When more people have health insurance, it could be harder to see primary care physicians. There's already a shortage of primary care physicians relative to national demand. Increasing the number of people who have health insurance tends to increase the demand for physicians' services.

2.  Health insurers will limit doctor networks in order to keep prices down.

3. Employers will cut hours for workers to avoid potential requirements under ObamaCare.

4. ObamaCare navigators and other enrollment aides could violate the privacy of exchange users.

5.  The online exchange technology won't be ready -- or won't work as well as it is supposed to.

6.  Employers could move many more workers than expected onto the exchanges, and increase the price of the law as a result.

7.  The exchanges will grant subsidies that are wrong, or need to be repaid. One study last year estimated that roughly 2.6 percent of exchange applicants "judged eligible for subsidies would receive advance payments on those subsidies that were too high by $208 per year, on average."

8.   Individuals whose income hovers near the Medicaid eligibility line could be forced on and off the program. A 2011 study by health professors at Harvard and George Washington University found that over six months, "More than 35 percent of all adults with family incomes below 200 percent of the federal poverty level will experience a shift in eligibility from Medicaid to an insurance exchange, or the reverse."

So, as these "terrific real things that bump into the night" grow REALLY Bigger in the Dark Halls of Congress... BE AFRAID... Very AFRAID!