Health Care Reform in the United States Right now Washington is fighting over ACA subsidies expiring in January. One has to wonder why they have waited to the last minute to address this. While needed in the short term, subsidies to the insurance companies are essentially band-aids on a broken system. Here is what nobody is talking about: employer-based health insurance was designed in 1943 in response to World War II wage controls. It was never meant to last 80 years. Now, with the growth of AI