Higher health premiums? Let’s find the cure

The Affordable Care Act is a great idea in principle for this reason: Finally, after decades of struggle, the richest country in the world is making it possible for its sickest citizens to receive affordable, subsidized health insurance. It also is making it possible for healthy, working families of modest means to buy subsidized insurance. This is a commendable act.

For large segments of the population, however, the act has yet to deliver affordable care. Ask a roomful of middle-class people for a show of hands on who is paying more for health insurance and prescription drugs this…