My favorite line from Kindergarten Cop: "It's not a tumor...", spoken to a tiny doomist who had leaped to the conclusion that his regular teacher was absent due to cancer.
In the world of perverted language and twisted reality, calling ObamaCare "insurance reform" takes the cake.
Insurance considers risk, and spreads it amongst a large pool. It rates individuals within that population of risks, using tools that have been proven rational predictors of an individual's contribution of risk. Sometimes, in order to keep rates low, it declines to accept an individual risk under any terms. It makes whatever profit it does because it successfully predicts risk.
If you tell a former insurance company...by law...that is HAS to accept all risks, period, it ISN'T an insurance company any more. It has become something else, as Jonah Goldberg ably observes:
A risk pool is an actuarial device where a lot of people pay a small sum to cover themselves against a "rainy day" problem that will affect only a few people. Such "peace of mind" health insurance is gone. What we have now is health assurance. With health assurance, there are no "risk pools" really, only payment plans.
By "payment plans", read TAXES, collected, if needed, at the point of a gun.
So, ObamaCare is not "insurance reform" except in the sense that fascism is "market capitalism reform". It is a complete conversion of health insurance industry into a corporatist collective, which does something completely different than it formerly did.
You can call it what you will, if you are part of collective. If you are not, you have more intellectual honesty.
It isn't insurance. And it wasn't "reformed". It was destroyed.
UPDATE: The fast-track to single-payer