The Affordable Care Act isn't perfect. Even proponents of the law would agree with that.
In many parts of the country, there is only one insurer in the individual markets — and in a few, there are zero. Premiums have spiked, sending some people on the insurance exchanges hunting for new plans.
If you listen to the news, you know all of this. Particularly in the past year or so, these complaints have been at the heart of Republicans' push for repealing the Affordable Care Act, also known as Obamacare. And as senators try to scrape together enough votes to pass their own health care overhaul, these are at the heart of their pitch to the American people.
IHPI member Nicholas Bagley, who teaches about health law at the University of Michigan, elaborated.
"By linking subsidies to these less generous plans, the GOP health care plan says, 'Yes, we're going to make sure you can purchase a plan, but the plans we're going to make sure you can purchase are going to be very high deductible plans,' " he said.