As the details of the Patient Protection and Affordable Care Act (PPACA) continue to shake out, the precious gift that President Obama bestowed upon Democrat presidential candidate Hillary Clinton is looking more like something she got at a white elephant exchange.

That's because the cost of "affordable" health insurance has made it almost unreasonable for lots of Americans. Seeking to maintain profit margins on sales, insurers are steadily hiking copays, eliminating extras, and demanding more deductibles from their clients.

Clinton is now the one who has had to explain why these increases aren't a bad thing. And her task is getting tougher, as insurers say they're going to boost premiums for 2017, some of them substantially.

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Dan Cook

Dan Cook is a journalist and communications consultant based in Portland, OR. During his journalism career he has been a reporter and editor for a variety of media companies, including American Lawyer Media, BusinessWeek, Newhouse Newspapers, Knight-Ridder, Time Inc., and Reuters. He specializes in health care and insurance related coverage for BenefitsPRO.