“ObamaCare creates incentives for state and federal politicians and bureaucrats to exert direct control over the premiums of health plans. However, because health plans largely pass through costs from medical providers, artificially limiting increases in premiums cannot actually result in lower health costs. Instead, it results in reduced access to care and threatens the solvency of health plans. ObamaCare also introduces at least five critical uncertainties that make it difficult to estimate future medical costs accurately, and suggest that Obamacare will be much more disruptive to health insurance than the Administration has advertised.”