Complex health care law has too many problems

The Affordable Care Act, aka Obamacare, is anything but affordable. Once approved by Congress, it became law, but Obama continues to unconstitutionally pick and choose which portions of it he will enforce.

He delayed implementation of small-business exchanges, delayed enforcement of the employer mandate, and exempted Congress and its staff. So where’s the waiver for the rest of us? 

The purpose of the ACA was to make insurance more affordable, but premiums have been skyrocketing since it was crammed through Congress with procedural tricks and bribes. Polls now show most Americans want it repealed. 

Under the ACA, you can no longer choose insurance coverage that’s best for you. Everyone must purchase a policy that meets government-defined “essential minimum standards.” 

If you choose not to purchase insurance, you’ll be penalized. In 2014, the fee is $95 per adult or 1 percent of household income. In 2016, it increases to $695 or 2.5 percent.

The fees are much less than the premiums, so many people will opt for the penalty. Since the individual mandate was supposed to be the main-funding mechanism for the rest of the law, this spells trouble.

Businesses are struggling to keep up with rapidly rising premiums; many plan to shift their employees to the government exchanges. But penalties for doing so jeopardize those with low-profit margins.

Many are forced to reduce their work force to stay under the 50-employee threshold and cut full-time employees back to 29 hours a week, which means higher unemployment and underemployment.

While the idea behind the law – insurance coverage and health care for everyone – is a noble cause, this complex law doesn’t accomplish that goal. It hurts families. It hurts businesses. There are simply too many unforeseen consequences.

It’s time to repeal this train wreck and tackle the existing problems in our health care system one issue at a time.