HCR Update from Mark Sanna: The latest delay in the Affordable Care Act means people enrolled in plans that don't meet Obamacare's stricter coverage standards can keep them for another two years. It could create a two-tiered system, because states will get to decide whether to allow the delay and because people in the plans that don’t comply with Obamacare tend to be healthier, not having them in the broader insurance pool means insurers have to shell out more money, and that cost will be passed to consumers.