It needs to change. Current insurance policies are absolute garbage.
Give it a go and see what its like. If it don’t work, then change it again.
Sure, the health insurance industry could stand for some improvements. But do you really think that your hero, “Barak Obama” (as you wrote it), is interested in improving our current system?
Of course not. He wants to take over your health care lock, stock and barrel, and believe me, once that’s one there’s no changing back! There’s no “change it again” as you put it. You do realize how hard-ball politics works, don’t you?