You keep harping on Romney. Even Romney said, it worked for his state but it isn't a solution for all states. Looking over the state's expenses, it turned out to be cheaper for the state to buy residents insurance who couldn't afford it, than to pay/eat their medical bills. It worked for that state. It isn't a cookie cutter approach for all states. That's the issue.
States should resolve their issues, not the Federal gov't implementing a solution, at the state level in cookie cutter format, for the law to be legal.
At the Federal level, the law would mean everyone would have to pay the same amount. Income tax for example, across the country everyone pays the same percentage, no matter what. With ACA, they went to the state level so they could charge people more or less, depending on their income.
My premiums would be $16,xxx a year under the ACA. That's fawking astronomical. But for someone making less money than me, their premiums would be around $3,000 for the EXACT same coverage. How is that fair to me that I'm paying more for the same services!? We all pay income tax percentages and we all receive the same exact services.
I also was talking to my HR benefits person yesterday. The ACA made a significant change that affects a lot of people. In and Out of Network provider laws changed significantly. Previously, if you went to an Out of Network ER, the ER would treat you, stabilize you, then transport you to an In Network ER and your insurance would cover it. Under the ACA, this no longer applies. If you go to an Out of Network provider, you're on the foot for the full bill and your insurance will not cover anything. The Out of Network provider will not transfer you to an in network provider because they don't get paid anymore.
That's just stupid. This is something my coworker is going through.. he had a real emergency, went to the closest hospital ER and now has a $7,000 bill he has to pay because they're out of network.