The panel discussed the effects of this on a small company versus a large company in 2008. Part of improving affordability is also making health insurance more accessible for the employer, reducing some of the burden (The White House, 2016). Many changes have been made to health insurance to increase the number of individuals with health insurance coverage. The Affordable Care Act (ACA) was enacted in 2010 in an effort to help solve some of the biggest problems Americans have faced regarding healthcare and its availability (The White House, 2016). Today, more than 9 in 10 Americans have health insurance (The White House, 2016). This means that 20 million people have obtained health insurance since the ACA was enacted (The White House, 2016). Next, another panelist argued that the purpose of health insurance is not to insure everyone. It should only be provided to cover catastrophic health conditions. Today, not only does health insurance cover catastrophic events, but there are also limits on the amount of out-of-pocket health care expenses for essential health care (The White House, 2016). Additionally, most out-of-pocket costs have been eliminated for preventive care (The White House,