>Politifact is a pretty reliable too and I think I would have to agree with what you're saying here. But do you think that in the long run ACH did more good than bad? I mean more people are covered that before right?

Victor, I appreciate the fact that you read this and acknowledged it.

And by the way, I've stated many times that the health insurance world before ACA was not good, and needed targeted legislation. But as far ACA right now...

- You've asked if more people are covered. Remember that ACA had financial models based on projected enrollment. There are different sources reporting different numbers, but the most consistent stat I've seen is that enrollment is roughly 50% of what was projected (and that even includes adjusted projections after 2013).

- And remember, the # of new enrollees are via Medicaid enrollee expansion. From Jan 1 to Sept 30 of 2014, 89% of new enrollees got coverage through Medicaid. That kind of speaks for itself, given the problems in Medicaid with costs and fraud and shortage of doctors accepting new Medicaid patients.

- Premiums went up in 2015 in many states. Not all, but more than half. Premiums are projected to go up again in 2016 in an even wider number of areas. WSJ is officially predicting double-digit increases in the 34 states where Healthcare.gov sells insurance

- Late in 2015, United Health Group told investors they are considering leaving the ACA exhanges. They have cited big losses, and that customers who signed up on exchanges have found them to be more costly. Additionally, and other insurance companies are stating the same thing....that people are using insurance more frequently. This is the exact opposite of what ACA proponents were predicting.

If UHG scales back or stops offering ACA-style plans altogether, that will have a devasting impact on remaining insurers.

- And then there's the issue of the narrowing provider networks. While one can make the argument that premiums (which have definitely gone up despite Obama's promises) haven't necessarily skyrocketed (yet) as much as critics projected, the narrowing of doctor networks is probably worse that anyone anticipated. My famiy is experiencing it first hand, and it royally sucks.

- Even Hillary and Sanders have acknowledged that the problems of ACA have negatively affected middle income Americans, and it has had an impact on the labor market. (Though sadly their solutions are not likely to improve anything)

Believe me, I can go on. The device tax that was argued back and forth for years, the confusion with the IRS getting in the mix on tax forms.

Some Republicans have offered partial solutions involving the removal of mandates, the ability to sell insurance across state lines, expanding HSAs, and (this is a big one for me) a more equitable solution (tax-wise) for individually-purchased vs employer-provided insurance. But it really can't be done until ACA is scrapped. Barack Obama has had years to offer a 2.0 and hasn't made one single suggestion.