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ACA is largely based on Heritage Foundation policy papers. Project 2010, if you will.

The ACA bill was originally a republican bill that Obama agreed and pushed. And then the republicans flipped around and started blaming Obama on their own bill.

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

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.