Amazing what you can infer if you look at a small enough window of time. http://www.tradingeconomics.com/united-states/bankruptcies http://www.tradingeconomics

Amazing what you can infer if you look at a small enough window of time. http://www.tradingeconomics.com/united-states/bankruptcies http://www.tradingeconomics.com/united-states/bankruptcies (hit the "max" button) Pretty clearly shows that the ACA came at the trailing end of the huge spike in bankruptcies from the real estate bubble bursting. Correlation does not imply causation, however much one wants to sell a particular story. I expect better from consumer reports.