Obamacare’s destruction of the individual health insurance market has done enormous damage to the lives and finances of millions of people who purchase their own insurance.

In states like Kansas and Colorado, families are grappling with health insurance premiums that have gone from manageable to more than 10 percent of median household income. Mandated health coverage is now the second most expensive item in many household budgets and some families are paying more for their health insurance than their mortgage. Obamacare compliant policies are modeled after big corporate plans purchased with pre-tax money. They include benefits that individuals buying insurance with after-tax income cannot afford. Thanks to rising deductibles, families pay more for less financial protection. Shrinking networks make it hard to get needed medical care