When Democrats passed Obamacare in 2010 - without a single Republican vote - they called it the "Affordable Care Act." As implementation of their handiwork nears, Democrats have another name for it: "train wreck."
People will be required to carry health insurance, but the exchanges to provide insurance options for lower-income people are not yet in place, Kathleen Sebelius, head of the agency that rolls out Obamacare, told Congress.
"I just see a huge train wreck coming down," Sen. Max Baucus told Sebelius at a hearing last month. "You and I have discussed this many times, and I don't see any results yet."
That train wreck could have severe consequences. An uncertain economy still struggling to find its legs five years after a recession faces more uncertainty.
Employers are trying to decide whether they want to carry health insurance or pay a hefty fine of $2,000 per employee.
But that applies to companies with more than 50 full-time employees. To get around that employers are doing two things:
* Hiring more part-time workers to work less than 120 hours a month (a little less than 30 hours a week).
* Not expanding the business beyond 50 employees.