The Canadian system is in place and working. The teething pains I expect from ACA are going to be horrible and I've already been informed by my boss that I'm going to lose my employer-sponsored health care before the year ends - it's a lot cheaper for a small business to pay the fine. This will leave me unable to buy a decent policy because I barely make ends meet as it is; I'm going to have to go without because the fine will be cheaper for me, too. Unless I score a big lottery win (unlikely, since I don't but tickets), I'm thoroughly screwed.