Obamacare, like many other reforms, has plethora of strengths that convinced the government to ratify it into law, however, PPACA also has many shortcomings that overlooked the biggest problem of all time: high cost. The increase in health cost has outplaced the rise of national income making it difficult for people to afford insurance. Medicare insurance, by design, is flawed where providers are reimbursed based on the volume they serve, which translates to overutilization and inefficiency, adding to the high cost. In addition, Medicaid inflates cost as well by giving the control to the states, giving rise to inconsistency and no incentive for both parties to check each other. Moreover, the tax exclusion for employer-based insurance escalates