The Democrats removed from the shelf Hillary Clinton's insurance-company based approach to health care, from the design of which doctors were relentlessly excluded. The resulting program (unlike the catastrophic coverage program proposed by the Reagan administration) is a pure and simple means-tested welfare program. It is not what we typically think of as insurance at all, that is, a hedge against an unexpected loss. Instead, Obamacare covers predictable and budgetable expenses for primary care, drugs and birth control. If the Democrats proposed to have the government give everyone free toothpaste, it would be described as an "insurance" program, too.