The Affordable Care Act is a bad idea simply because one size doesn't fit all and it's the responsibility of the state to deal with these issues. But there are several provisions in the act some people like. Insurance is intended to spread risk among those who have the risk, not force someone to subsidize another's insurance. Yet Oklahoma has many mandates that add a third of the cost to health insurance. Why should someone who doesn't need maternity insurance but does need long-term care insurance be forced to buy maternity coverage?