[conception]

In what way were insurance companies limited before the ACA that “Obama” removed? Please be specific. I’ve never heard this take before.

[ethbr1]

Indeed. I'd like to hear too, seeing as the admin cost caps for insurers in ACA are a pretty big stick to counterbalance the mandate carrot.

I know firsthand that a lot of insurers substantially increased internal efficiency as a result of no longer being able to pass excesses along to consumers in premiums.