With all due respect, Mr Ramsey's argument has holes big enough to drive a truck through
1) To understand this issue one must realize that health "insurance" is not "Insurance", it is health care. Everyone, all of us, do, or will, need health care. We do not all need car insurance. It is different. Mr Ramsey talks about the 500 lb diabetic with three heart attacks as if it is new spending in the health care system. It is not new spending. That person is already receiving health care, and if they have no insurance we (you and I) eat the losses with higher costs that we, and our current insurers, and the government pay for. That was $117b last year. Again, the costs are not new costs. Mr Ramsey is incorrect on his assumption. Yes those costs will shift, yes different providers will realize different effects on their businesses, but these are not new costs.
2) While he bases his argument on MATH (oohhh!, look, numbers) he did not show me any math. There was no factual support to his argument, none, not a bit. Might it be just possible that the MATH didn't work out? Could he find no study from anyone to support his assertions? I do not know if costs will go up or down (For me, I am already saving $9800 per year with the reforms, and I haven't shopped the marketplace yet). But what I do know is that if you are basing your argument on MATH, and you choose to show me none, your argument must be pretty weak.
3) 46% of Americans "pay nothing" is incorrect. They may pay no income tax, but the "pay nothing" statement is part of what got Romney into trouble in the last election. Of the non taxpayers 53.6% (Oohhh, math) make less than $16, 812 per year. They pay no income taxes because they are poor. They do pay other taxes, such as sales tax, Social Security, Medicare, gas tax, on and on. Are we to tax someone who make $1400 a month gross?
4) His discussion of Social Security is misleading, he should know better. You do not pay into your account, you pay into the pool, and when your time comes you get paid. While I am not trying to cover up the myriad of problems both due to actuarial tables and Congress raiding the fund, his description of how it works is intentionally misleading.
Look, I know i'm the flaming f'in liberal on this site (and proud of it!). I also know that the ACA is a crap shoot because the health care system is so complex. But I tend to ask questions of arguments presented to me. This video was a puff piece, no proof, no facts. I'm just gonna scare you with MATH! And my math says I'm $9800 to the good.
Okay, I'm done now....!
http://poorrichardsnews.com/post/63737924453/video-dave-ramsey-lays-out-the-facts-of-obamacare-for
Good easy to understand explanation of why, if you are paying for health care, it will be going up, not down.