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I wish I knew, it's communism in action. This is strictly meant to make as many people as possible more and more dependent on the Government. For the past few years we have been restricted by Federal Law from writing health insurance for a child. This has always been a normal part of business, to write health insurance for children only. With the current administration, we have been forbidden, so that they could create a crisis and be able to increase the number of children without health insurance.

I just finished a class on the ACA and related laws. There are a ridiculous number of exemptions from being penalized under the law. All American Indians, those receiving coverage from government, household income below filing threshold, incarcerate persons, victims of domestic violence, those who filed bancrutcy, homeless persons, those who received an eviction notice, those who received a shut-off notice from a utility, those with death in their family, and a slew of other exemptions. Another big one is if your State did not expand Medicaid to cover this program you are exempt from the penalties.

One big tell-all is that they are giving subsidies and tax credits to people only who buy or enroll in free coverage from the marketplace. If you buy private health insurance or pay for it through your employer, you are not eligible for these subsidies or tax credits.

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Q: What are some alternatives to health care reform?
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