Have you ever wondered how the Obamacare law was written? Close your eyes and imagine a smoke filled room full of overweight, white males, all puffing on .... Oops .... That was Tammany Hall. These days they dont allow cigar smoking. There were women and minorities present. And just about everybody there was on a diet. But other than that, not much has changed.
Obamacare was fashioned by special interests all of whom were very self-interested. They chose to mandate a health insurance plan that they wanted for themselves without ever asking whether it was appropriate for moderate income families living paycheck to paycheck. They imagined an electronic exchange with all kinds of bells and whistles, without ever asking the techie folks whether this had ever been done before. Or even if it could be done.
The result has been disaster.