The former South Carolina governor, who's now vying to be president, has become well known as one of the ACA's loudest critics, and is making her views known on abortion, vaccine mandates and other health care topics.

Prior authorization was conceived to rein in health care costs by eliminating duplicative treatment, however, critics worry it has now become a way for insurance companies to save money, often at the expense of patients' lives.

CMS has proposed speeding up the response times for authorization, but some desperate patients have turned to publicly shaming insurance companies on social media to get tests, drugs, and treatments approved.

Because of burnout in the health care industry, there will be limited access to basic care: The U.S. will be short 48,000 primary care doctors by 2034, says the Association of American Medical Colleges.

Starting in 2026, a proposed CMS rule would require plans to respond to a standard request within seven days, typically, instead of the current 14, and within 72 hours for urgent requests.