The Affordable Care Act, or what is commonly known as Obama Care, has been an abysmal failure and has become an albatross around the necks of American taxpayers which is sinking our nation deeper and deeper into unsustainable debt.
The Affordable Care Act promised to provide the following benefits:
- Affordable Health Insurance for All,
- Keep Your Plan and Doctor,
- Universal Coverage,
- Lower Overall Health Care Costs,
- Improved Health Outcomes,
- No Denial for Pre-existing Conditions,
- Deficit Reduction,
- Increased Choice and Competition,
- Protection Against Insurance Abuses,
- Support for Small Businesses and Jobs
Of these promises, it only fully kept one: no denial for pre-existing conditions. It also partially kept two others: 1. to reduce the uninsured rate (although not to the level promised), and 2. it also instituted some consumer protections against insurer abuses, but not nearly enough of them. In short, former President Obama over-promised and under-delivered, which is a classic political trick to achieve one’s goal, because by the time the electorate comprehends they have been duped, it is too late for them to change it.
Americans have suffered for over ten years with Obama’s failed law which nearly doubled premiums in the individual market from 2013 to 2017, forced seven million health care plan holders to find new plans in 2013, bent the health care cost curve in the wrong direction, caused life expectancy to decline from 2014 to 2017, and added hundreds of billions to deficits due to unrepaid loans, repealed taxes, and higher-than-expected spending. America has given Obama Care its fair trial and the trial has failed, so it is time to give an alternative plan a fair trial.
The Free and Independent Health Care Restoration Act (FIHCRA) fundamentally restructures the relationship between government, insurers, and medical professionals. It:
- Restores direct doctor–patient autonomy by removing bureaucratic and corporate gatekeeping.
- Eliminates coercive insurance and credentialing monopolies that limit access and innovation.
- Encourages professional excellence through open competition, transparent standards, and outcome-based accountability.
- Protects patients and practitioners through civil liability, fraud enforcement, and public disclosure rather than regulatory restriction.
In short, the FIHCRA will achieve all of what Obama Care promised through free market principles. Check out the details of the FIHCRA in the attached draft bill.