For decades, federal health policy — through taxes, spending, and regulation — has encouraged people to get their health insurance through their employers, and has encouraged them to choose health plans that pay for routine care. These policy decisions have inflated prices and made insurance harder to obtain for people who don’t have access to employer coverage, and especially for those who have chronic ill health. Obamacare attempted to fix some of these problems, mainly by adding an additional layer of government interventions and attempting to centralize the health-care system.