Reply to "Affordable Care Act..couple years later"

This report card doesn't address Ray's question. The most significant aspect of the Affordable Care is that the Insurance companies had to spend 85 cents of every dollar on health and can only use 15 cents of every dollar for administrative expenses. That suggests that much more of our premium dollars would be spent toward our healthcare and the balance would be refunded to us. All that spelled lower premiums since the paying pool is greater and the industry can only absorb so much. None of that has happened so far. The premiums are higher, deductibles are higher and the actual service sucks.