When you hit lifetime limits it's pretty harsh to... After 6 years, I'm finally under $10k owed to medical debt, and that's still quite a lot. I'd had to defer those collection companies that wouldn't negotiate, or wanted monthly payments that were disproportionately large, which are now all that is left. Though, my credit score now hovers around 600 as a result of the negative statements (all medical).

I think the biggest problem with Obamacare is the sheer number of exceptions for existing insurance plans... most of which still don't meet the minimum requirements for new plans. Also, I think that an NPO insurance organization is needed to provide a competitive baseline, which we also don't have.

I'm strongly against taxes for simply being alive... that said, there are definitely things that could/should have been done to make things more effective and less costly overall. Clearing import restrictions would go a long way... reducing the strength of derivative medical patents, and the terms of copyright on government funded research papers would as well.