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The ACA focuses on expanding coverage through a massive redistribution of wealth in the amount of $1.2 trillion over the next decade. It’s clear that low-income individuals and those with chronic conditions benefit the most from the law’s sliding scale subsidies, but market-oriented tactics can make health insurance (and more importantly medical care) more accessible and affordable and can lessen the risk for insurers to experience adverse selection.

Despite it's promises, the federal health care law will bring premium increases to many due to community rating provisions, increased regulation and mandates, and problems with premium and cost-sharing subsidies.