"He who does not think himself worth saving from poverty and ignorance by his own efforts, will hardly be thought worth the efforts of anybody else." -- Frederick Douglass, Self-Made Men (1872)
I wouldn't call this the problem, but it most definitely is a problem with the law.The discussion should be entirely focused on why ACA is coming in a making existing plans illegal, and why that is the problem.
OK everybody. NOW can we all agree that the Democrats and Obama are incompetent thieving idiots?
Quod scripsi, scripsi
For the exchanges to work, they need to get as many people off traditional individual(small business, self-employed, etc) and group(employer-based) policies and onto the exchanges. Without the additional bodies, the exchanges will be essentially high risk, high use policy holders only, which will drive up the costs. The government also needs additional dollars from penalties to pay for the subsidies, and making it attractive for businesses to pay them is the easiest, and populist, way to achieve that goal.
Without the additional penalty money and larger population on the exchange, not only will the costs to those that purchase be too high, but the government tab will be too.