@blatham,
Reasonable questions.
I have not read the entire text of the ill-famed Affordable Care Act, or even a major part of it. I also doubt that our President or any of his senior advisors read it either. Indeed it took an unduly sympathetic Chief Justice of the Supreme Court to save it from a deserved death over one of its very central provisions - a penalty for non-participation masquerading as a tax.
I will however concede that our hapless House Minority Leader, Nancy Pelosi , in one of her very rare lucid moments, captured the essence of it in her "We'll have to enact the bill to find out what's in it."
The bill reveals amazing confusion over just what constitutes "insurance" which is usually used to identify provisions to mitigate the financial consequences of rare, unlikely events. By the time the liberal academics finished larding it up with their favorite stuff, it was neither insurance nor useful to any of its potential purchasers.
Nearly all the claimed gains in the "Number insured" under ACA come from additions to the publically funded MEDICAID program, and not from the bastardized "insurance" scheme the deluded academics created. In their efforts to control costs the designers forced the consolidation of medical service providers, while purporting at the same time to double the demand for their services. Should we concratulate them for their intelligence in attempting to siumultaneously increase the demand for medfical services while reducing the supply of providers? (A breathtaking innovation in economic thought!!)
The ACA will be a long remembered relic of ill conceived hubris on the part of progressive "reformers" who it turns out were not any smarter than the rest of us and indeed a good deal less understanding of human nature than even non college educated white men.