There's been a lot of back and forth about how much hardship and disruption is actually being caused by the Affordable Care Act, with tales of woe being swatted down even as other supposed horror stories pop up. But a different way to see things is that, yes, disruption is inevitable as the result of any large-scale health reform and that's simply a fact of life. Indeed, you could argue that if there's not a lot of disruption happening, then there probably hasn't been enough reform.