. >> it is attempting to describe obamacare as one begum unintended consequence.ertainly it has offered a parade of them over and over again. one of my favorites is obamacare sets up these things called accountable care organizations basically creating incentives for health care providers to consolidate into big units that are supposed to be will it take care of you holistic we. the problem is when you have consolidation in the health care industry that gives providers more market power and drives up the cost of health care. in fact, this is so well-known that the ftc has actually been suing hospitals that consolidate too much. you have this fight between two parts of the executive branch, one of which says these hospitals are too big in the other one is creating incentives for hospitals to get bigger. another when you have is medical loss ratios. medical loss ratios are kind of walkie financial provisions that say insurers can only take 15 or 20 percent of any -- of their house premiums as for profit and for overhead. spent on actual health expenses. what that me