I think you are correct there Michael. The ACA does have winners and losers. The biggest winners are the poor, lazy, and uncaring.They get put on Medicade (free to them) or get huge government subsidies to cover their insurance costs.The rich likewise are winners. Their investments in the health insurance / care industry are ensured more stability and profitability by have the government underwriting the least stable plans and paying providers. As for their health care / insurance needs they have the means to get good care and coverage outside Obamacare entirely..The big losers are the Middle Class. Those people who actually work for a living and make decent wages get royally $c+ewed by Obamacare. They make too much for subsidies. They can’t afford the cost of the policies without making major sacrifices to their standard of living. The quality of care they get suffers.Basically, like with Socialism everywhere the number of working poor and impoverished increases. The quality of life for the Middle Class is diminished.