Obamacare is not something you can purchase.

[Shemp Howard]

3. I don't think it's that simple.

Whenever insurance companies are involved, there will be mischief, if not downright evil. So that's part of the picture.

But in some respects the ACA reminds me of cable TV in my area. I have three choices: Basic, Preferred, and Premium. But even Basic is too expensive! It bundles channels I want with channels I don't want. It would be a lot better if I could just pick, and pay, for the channels I want.

The same should be true with the ACA. The ACA should be more like a restaurant menu, and less like a cable TV service.

I certainly admit that my argument is not perfect. If the choices are too unrestricted, many people would pick plans that cover essentially nothing. That would put those people back to square one.

But a 60 year old should not have to pick any plan that has maternity coverage! That 60 year old instead needs a solid plan that covers prescription medications. For a 20 year old, it would probably be just the opposite.

Allow the 60 year old to drop maternity coverage, and allow the 20 year old to drop prescription coverage.

So, yeah, we need an ACA that is less like a cable TV service, and more like a restaurant menu. Just my two cents.