The number of people without insurance hasn’t increased because Obama’s big health care reform law “failed.” The number of uninsured people has increased because the Affordable Care Act, for the most part, hasn’t started helping people get insurance yet. By design, it will not expand coverage until the year 2014.

The Affordable Care Act will eventually start requiring health insurance policies to be explained in a simpler to understand manner. While this a good thing there is still the huge problem that simpler is not the same thing as “simple.” Insurance policies in this country are just inherently complex, making it almost impossible for regular people who will be using the new exchanges to actually know what is the best policy for them.