"[The ACA] bars certain common practices of insurance companies that most people find unacceptable at best, outrageous at worst.... The major problem has not been venality by insurers -- although there has been some of that -- but lousy incentives that drove normal human beings to engage in socially deplorable practices. Obamacare is changing the system. With the requirement that people carry approved coverage, anticipated profits on some customers will offset anticipated losses on others."  MORE >>