This. As someone who's worked on the insurance side of the equation for a while, it always amazes me when people don't realize the majority of health insurance

This. As someone who's worked on the insurance side of the equation for a while, it always amazes me when people don't realize the majority of health insurance policy is a zero sum game. If insurance companies aren't solvent and profitable, products won't be offered. And that's exactly what happens when you force unfunded / unbalanced mandates on them. Congress can easily legislate the country into a market where no one wants to offer insurance because there's no way to do so sustainably. That said, one of the best things that ACA did was finally target some of the inefficiency in as conservative of a business as insurance. The provision capping administrative costs did a lot to jolt companies into streamlining their operations and investing in modern, more efficient technologies.