"Confusing to read, Byzantine to implement.... With less than nine months before October 1, 2013, when 'millions of people will start applying for coverage' under the new regime, the exchanges are behind schedule, thousands of pages of rules are yet unwritten, and small businesses, the engine of our economy, are struggling to cope with the law and avoid financial harm.... 'Administrative overload' and the potential failure of critical links will only add to the turmoil already present on the ground, as Americans line up in 2014 and 2015 for disrupted coverage, exploding costs and rationed care, amid a system in chaos and confusion."  MORE >>