Obamacare (aka ACA) is just like the Honolulu Rail but at a national level.  The health insurance industry has consolidated faster in the last five years than in the previous 30 years (look it up). Fewer insurance companies means fewer choices and higher premiums (for those employers that have to pay the premiums we know this all too well).  ACA has helped a few but at the great expense to many.  Expanding Medicaid would have been the better option  to insure the low income uninsured and a lot less expensive.  It is about time we started fixing this fiasco.