Under the Affordable Care Act, the Federal government, State governments, insurers, employers, and individuals share the responsibility to reform and improve the availability, quality, and affordability of health insurance coverage in the United States.

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It proves that this legislation, if you look at it compared to the previous Senate legislation, provides better consumer protection, greater affordability, greater deficit reduction, and more coverage for the uninsured.

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And this recognition that states need flexibility to tailor their approach to their unique needs is why part of the law says that, beginning in 2017, if you can come up with a better system for your state to provide coverage of the same quality and affordability as the Affordable Care Act, you can take that route instead.

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Its affordability from some providers comes at the cost of extremely limited coverage and claim rejections on the flimsy grounds of minor errors or omissions in applications that they assert would have precluded you from acceptance.

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Hence, while Obamacare makes insurance more available for the tiny minority of Americans who have a tough time finding coverage today, it does so by dramatically decreasing the affordability of that insurance for everyone.

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