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Joseph Q. Jarvis: The Affordable Care Act isn’t: So, what is?

Middle-class families across the United States who have no employment-based health benefits are increasingly finding the cost of health insurance offered under the aegis of the so-called Affordable Care Act to be, well, unaffordable.

Tens of millions of taxpayers paid the penalty for failing to have health insurance during the years since the implementation of the ACA, mostly coming from the lower middle class. About four in 10 uninsured Americans do not buy health insurance because they cannot afford it. The federal government spends $700 billion per year subsidizing or outright paying for health care for citizens under 65 years of age, but nonetheless, 30 million Americans have no organized financing for needed care.