The bottom line is that in a health care system as complicated as ours, problems have multiple causes. And a single law can't solve every problem. With these ads, it's best to remember that they aren't really trying to educate the listener or viewer. Rather, they are using selective arguments and trying to score political points.
You may qualify for a tax credit to help offset the cost of health insurance. That credit is generally paid directly to your health insurance company. You, then, only pay the part of the premium that the credit doesn't cover. But, getting that credit requires you to file a tax return to reconcile your payments and actual credit due. Sound confusing?
You're going to hear a lot about Obamacare this fall, especially from Republicans. They'll try to convince you that it was a bad deal. They'll throw numbers at you to make you think that the cost of health insurance is spiraling out of control. In all likelihood those numbers will be incorrect, but how will you know?