Just like any federal program, Obamacare was never meant to stay static.  It needs to be tweaked and refined just like anything else.  It should be more like Medicare where people can purchase a supplemental plan to cover expenses not covered.  I agree it isn't perfect, but is anything ever perfect?  And the nurse should be covered by a company plan if she works full time.  Who said people don't have to make the choice to work part time and be home more with the family vs working full time?  Most don't have this option at all.  Her choice had nothing to do with Obamacare.  Most of those old plans people wanted to keep provided very little coverage.  They just never realized it because they never got sick enough to reach the limits.