THE AC was a hurry up and get it done action with no considerations as to the consequences and hardships it would cause. Because of the ACA I now pay a penalty for having good insurance through my Union and my deductibles have more than doubled Because of the ACA. Anyone who tells you that this bill has not hurt the middle class is woefully ignorant of what they have done to the middle class. When I don't have work for the full year I can not afford the Cobra, or to pay for heath care insurance, So to add insult to injury you take money away from my tax return as punishment (When I need it the most) for being out of work. You need to repeal this ill thought out law and start over, if you truly want a working program.