A reader writes that the Affordable Care Act (also known as Obamacare) doesn't work and needs more than a tweaking because it has caused financial difficulties to insurance companies. ("Obamacare just doesn't work," Feb. 17). I don't agree. The ACA has worked just fine in that it provides health care insurance to over 20 million citizens who were previously without coverage, and it eliminates insurance exclusion for those with pre-existing conditions and eliminates lifetime caps.

These provisions enjoy the support of the great majority of Americans. But the Affordable Care Act, like most other major pieces of legislation, needs fine tuning to adjust for bugs that have become apparent after it became law. The problem that has caused financial hardship to insurance companies is that too many healthy folks have decided to opt out of insurance coverage despite having to pay a fine. In order to work, the ACA requires everyone to participate, not only sick people.

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The same rule applies to automobile insurance where everyone needs to be covered for the program to work. But this Republican Congress, in its public-be-damned, ultra-partisan attitude has refused to pass a technical correction bill that would increase the fine for those opting out of coverage and would rather the ACA fail than work properly. So if insurance companies are in a financial bind, blame the Congress, not the legislation.

Jack Kinstlinger, Towson

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