Let me try ..... Obamacare sets a minimal standard insurance companies can provide for healthcare policies, ie-no bare bones policies. These are more expensive and most likely higher margin policies. My premium increases the past twelve months attest to the much higher costs. Obamacare requires everyone be insured.....and there you have it. More people covered with higher dollar policies = more revenues and profits for insurance companies. Not that difficult to understand. The problems will arise because it's govt mandated....the unintended consequences, many no one can even anticipate at this point, will rear its ugly heads and help bring the downfall of this once great nation.