A McK­in­sey study has shown that a large major­i­ty of peo­ple sign­ing up are already pay­ing for their cov­er­age – and that num­ber is 78%. Yes, only 22% of Oba­macare signups are paid, pre­vi­ous­ly unin­sured enrollees. Not all of them have yet paid, either. So it helps a lot of peo­ple (that is the “afford­able” part) but not every­one has sought “care”