ACA Sign "Despite many obstacles, or perhaps because of them, the CDH account market has significantly grown year-over-year as the ACA has evolved," says Bo Armstrong. (Photo: Shutterstock)

If Mark Twain worked in the health care industry, he likely would say that reports of the death of the Affordable Care Act have been greatly exaggerated. Despite numerous attempts to amend or even repeal the ACA, it remains viable for millions of Americans.

"The ACA is the most comprehensive American health care reform legislation since the 1960s," said Bo Armstrong, chief marketing officer for DataPath, which develops benefits administration technology. "The reality is that the ACA is still extremely young, but it has caused massive tidal waves throughout the health care industry. For some people, it has gone too far and for others, it hasn't gone far enough. Because of the way the ACA keeps changing, it is hard for employers to keep up and stay current, especially in the consumer-directed health care space."

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