I'm sure people saw their policies cancelled in the pre-ObamaCare days because they didn't fill out paperwork correctly and so forth, but I've never been the guy to defend the health insurance industry no matter what form it took. The problem with ObamaCare is that it took the single biggest factor that made health care so unaffordable - too much reliance on third-party payers - and doubled down on it, making it more bureaucratic, more centrally controlled and more politically manipulated.