Whether you call it Obamacare or the Affordable Care Act, there’s no denying that the legislation has sparked controversy. But it’s a much-needed debate: are insurance companies a business or a service? If they’re businesses, as is the current role, they function by denying as many sick people as possible. But if they’re a service, as is suggested by the ACA, they need to man up and do the right thing by covering those who need it most. So here are my three hopes of the ACA’s effect on insurance companies.