NEW YORK ( TheStreet) -- It took paramount arrogance for President Obama and Congressional Democrats to believe they could write an Affordable Care Act that would replace free markets across a health care sector as large as the economy of France.Among the results include five million Americans with private insurance who are getting cancellation letters for policies the president promised they could keep. As Obama claims, some had substandard coverage, but many had perfectly good policies. Stories are surfacing of cancer patients losing policies that paid out hundreds of thousands of dollars in life-saving treatments, and now they cannot access the government-run exchange. Of if they are successful, premiums are dramatically higher, and they can no longer access clinics and doctors that kept them alive. Businesses around the country are replacing full-time employees with part-time hires to avoid paying rising, burdensome premiums for qualifying workers. Others are simply dropping coverage altogether and electing to pay fines when those apply in 2014. When the dust settles, millions of Americans who had health insurance will have to do without a policy and pay a less expensive "tax," as Supreme Court Justice John Roberts euphemistically labeled the fines for individual non-compliance with the ACA. After all, for many it comes down to paying the rent and feeding their kids, or paying premiums double or triple their 2013 rates. Some Americans will die -- unable to access life-saving medical services -- to satisfy the president's obsession with "changing America" to create his ideal of a more just society. How can any civilized society damn cancer patient and others to premature death under the banner of social justice? Now, insurance companies such as UnitedHealthGroup ( UNH) are dropping doctors from their networks and slashing payments to physicians. Many Americans will lose doctors they trust and who have intimate knowledge of their medical conditions. Forty dollars for an office visit, $20 to read a mammogram and the like are fees that simply won't sustain many doctors in private practice. Many physicians will be pushed into the employ of terribly inefficient hospitals which can overbill for other services to somehow pay their salaries. Others doctors will reconfigure into concierge practices that charge annual fees of $1,500 or more per patient, in addition to payments for premiums and co-pays.