Supplementing the last posting’s comments (go back and read it!) on technology and the Affordable Care Act, I think I must make it clear that the reason some employers were dropping group coverages and insurance companies were either cancelling or raising the premium on existing individual health insurance policies was that these policies did not meet some of the minimum standards called for by the Act.
Cancelled Policies Didn't Meet ACA's Minimum Standards
Folks waiting in ER for care may actually have insurance, but high deductibles and exclusions may prevent them from going to see a physician independently. The ACA remedies some of these practices.
Furthermore the detective’s tortured childhood … father’s abandonment, prostitute mother murdered, foster care, and juvenile detention fanned the flames of Carl’s psyche. He even confided in me his memory of lying in his crib at three and vowing to gather an army of animals a la Tarzan of the Apes to seek out and punish all the bad people in the world.