"[T]he individual market's 'mandate-regulate-subsidize' setup isn't creating a universal benefit ... or a means-tested benefit paid for through progressive taxation: Rather, it's creating a bifurcated system in which protections for the lower middle class and the sick are funded in part through what amounts to a flat tax that falls most heavily on people making just slightly higher incomes.... [T]he potential problem with Obamacare's regulation-driven 'rate shock' isn't that it doesn't let everyone keep their pre-existing plans. It's that it cancels plans, and raises rates, for people who were doing their part to keep all of our costs low."  MORE >>