One of the issues that the ACA could cause for the American people would be moral hazard.

Although many agree that the antiquated health care system needs reform, opinions differ on how it should be done. "Good intentions doesn't make good policy," said Tom Emerick, UCO graduate and current President of Emerick Consulting and co-founder of Edison Health. "Insurance doesn't work that way."

Emerick believes that the ACA will have two dominant problems that would make the system unsustainable. The first reason the system could fail is because it has been created to cause moral hazard. 

"Moral hazard refers here to the tendency of the insurance protection o alter an individuals motive to prevent loss. This affects expenses for the insurer and therefore, ultimately, the cost of coverage for individuals." said Harvard economics professor Steven Shavell. So moral hazard, essentially says that one party is enabled to take more extreme risks with the knowledge that they will be covered regardless and the other party must incur the cost.

This is a problem since individuals can now be covered with pre-existing conditions.