By now, I'm sure you've heard about top Democratic senator Max Baucus predicting a "train wreck" coming for PPACA. In a budget hearing nearly two weeks ago, Baucus expressed his concern that the exchanges for consumers and small businesses wouldn't open on time in every state. He also said the "administration's public information campaign on the benefits of the Affordable Care Act deserves a failing grade."

People worried about Obamacare's implementation? Not a big surprise. But a key author of the health legislation screaming about it in a budget meeting? Not great for morale.

Recently, both HHS Secretary Kathleen Sebelius and President Obama admitted some flaws in the whole thing — Sebelius admitted the law would cause higher premiums for some, while Obama just this week said there will be "glitches and bumps" in the rollout of his health care law.

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