If an individual sticks up a bank and walks off with $25,000, there are consequences. If someone who really could have had an insurance policy consumes $25,000 worth of health care, everyone else pays for that.

The ACA - popularly known as 'Obamacare' - has been an important step forward toward an admirable goal: providing access to health insurance for all Americans. But like many reforms generated by the political process, the ACA is problematic.

The ACA's reliance on mandatory participation in exchanges as the only way to obtain a health insurance subsidy is fundamentally flawed.

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