Will Obamacare succeed where term limits failed?

[ICantSpellDawg]

Of course I'm being serious. The whole Swiss/Heritage Foundation/Romneycare/Obamacare premise is based on the idea of broadening the insurance pool so that the high-risk, high-usage patients are balanced out by healthy people. A system that (through incompetence) encourages only the high-risk people to enroll is broken, utterly broken. It's bad news. It flips the bird at the whole let's-do-universal-insurance-with-private-insurers concept. It's nine or ten shades of bad.

I've been as patient as an ideological opponent can possibly be. When a law passes called "the affordable care act" is it ignorant to believe that at least someone wants it to make care more affordable? It is now less affordable for everyone I've spoken to, blue collar, white collar, no collar.
My healthy brother had a $98 catastrophic policy. It cancels in January because it fails to adhere to new insurance guidelines and has been replaced by a $260 per month catastrophic policy which he intends to drop and instead pay the $300 per year penalty (approx 1% of his income). His unhealthy brother (me) had a $510 policy which cancels in January and is replaced by a $628 per month policy. Additionally, my gastroenterologist is not covered under this plan.

My idiotic friend who loves everything Barack Obama and is an environmental science major and started his own business is super excited to find a policy that he can finally afford. The site doesn't work. If he couldn't afford the $98 per month policy that my brother had, what makes him think that he can suddenly afford the $300 policy that may or may not be available if the website starts working?

The apocalyptically stupid rollout has led me to suspect my base assumption is true. This is an attempt to make health care so unaffordable that people begin to clamor for single payer. It cannot happen. There are ways to fix even this broken system and keep many of the things that were fixed by the ACA. Single payer must not happen, even though I would be tremendously benefitted by it, but something radical must be done to make health insurance more like car insurance, possibly coupling it to a minimal extent with government subsidy.

Personally, I would like to see itemized and standard deductions on tax returns for health costs eliminated and see HSA's open up to everyone regardless of the deductible size of their health plans, for starters. I'm open to mandating that employers make an HSA available to all employees for pre-tax deduction of income. Likewise, I'm open to forcing employers to make health insurance portable, pre-tax for employee the and cutting employer benefit. These are things that shouldn't cost the employer money, but will merely give all employed individuals access to these things and allow individuals to get the tax relief. It will also allow the individual to shop around and simply let his employer know when he or she has signed a contract with a new company. This will also help avoid individuals lapsing coverage. This type of competition has led to low cost of car insurance and has never thrived in the health insurance market.

As a former insurance agent and claims adjuster, irresponsible people will NEVER fail to lose coverage through non-pay termination. This is because poor people are too physically or mentally I'll, or are morons (by nature, culture, or opportunity). Something as important as health insurance cannot be allowed to expire like a morons car insurance.