"The [ACA] contains elements on which there is broad agreement. The current fee-for-service system needs to be replaced. So do certain current practices of insurance companies that are both understandable and deplorable ... The tax breaks for employer financed health care need to be curbed or eliminated.... [But] even if overhead expenses are reduced ... and even if administration were perfect ... a lot of people are going to have high-voltage sticker shock. And what that means in turn is that the exchanges may face nasty adverse selection problems, boosting premiums still more.... [And] real errors will be made. This law is complicated. People don't understand it."  MORE >>