Competition on the Obamacare exchanges has shriveled in the last year. Nearly 20 percent of enrollees in 2017 will have only one insurance company to choose from on their public exchange — that’s 10 times the number of people in 2016 in that position.

The average deductible for a silver plan is up to $2,500; bronze plan deductibles are up to $5,300. The average deductible for most insurance plans in 2010 was $900. Insurance companies rely on these staggering deductibles to keep premiums “low,” but premiums are up to $500 a month in many cases. An upcoming tax hike on high-priced insurance plans, dubbed the Cadillac tax, will go into effect in 2018, and experts predict it will further increase deductibles.

This is the second concession this week that Obamacare has fostered a broken system that doesn’t work for most people.

Despite the enormous impact of health care costs on the average American family, the Affordable Care Act was only briefly the subject of discussion during the second presidential debate, when an audience member asked the following:

“The Affordable Care Act, known as Obamacare, is not affordable. Premiums have gone up. Deductibles have gone up. Copays have gone up. Prescriptions have gone up. And the coverage has gone down. What will you do to bring the costs down and make coverage better?”

Hillary Clinton conceded that hindsight is 20/20 on health care. “We are in a situation in our country where if we were to start all over again, we might come up with a different system,” she admitted.

This is the second concession this week that Obamacare is a broken system that doesn’t work for most people and hurts middle class families and small businesses. Earlier this week, Bill Clinton himself admitted in a speech in Michigan that the ACA was the “craziest thing in the world” and that it hurt the people who make “just a little bit too much to get any of these subsidies.”

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Yet Hillary Clinton has outlined what would become Obamacare 2.0 under a new administration. Her plan would take America in the direction of a single-payer government system.

“The main problem with a single-payer government system is that they all have poorer quality health care than private systems and most or all of them are over-budget and insolvent,” said Dr. David Gortler, a pharmacology and drug safety expert with FormerFDA.com. “The income tax rates in those countries are greater than 50 percent, sometimes way over 50 percent,” he told LifeZette.

In Great Britain, for example, the income tax for all lower-tier incomes is 20 percent. For higher incomes, the tax rate goes as high as 40 or 45 percent. Close to 45 percent of Americans don’t pay any income taxes, and it’s hard to see how they would be able to afford a 20-percent increase when they often cannot make rent or buy food.

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“[Clinton] wants to go to a single-payer plan, which would be a disaster — somewhat similar to Canada,” Republican candidate Donald Trump said during the Sunday night debate. He then promised he would get rid of Obamacare and institute more fiscally responsible policies. “It is a disastrous plan and it has to be repealed and replaced,” he said.

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Trump’s health care plan would implement several substantial changes. First, he would allow insurance to be sold over state lines, which The Heritage Foundation has said would allow people to get the insurance that “best meets their needs regardless of the location.” Trump assured audiences Sunday night: “We are going to have so much competition in the insurance industry, once we break out the lines and allow the competition to come.”

Second, he would allow states to fund high-risk pools, which would salvage the good done by Obamacare in preventing discrimination against people with pre-existing conditions. These pools require minimal federal funding — nothing close to the subsidies barreling out of the federal government to keep the ACA buoyant.

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Third, Trump has promised to help hospitals make their prices transparent, so that patients can look for providers with less expensive care instead of receiving a bill for their care after the fact. Hospital pricing has no current standards, and some hospitals charge 3.5 times the amount that procedures actually cost.

Related: Funding of Obamacare a ‘Illegal Scheme’

Lastly, prescription drug prices have soared in recent years. Opening the American market to reputable international pharmaceutical companies, as Trump plans to do, would drive down prices through the virtue of competition.

Both candidates admitted they want some new beginnings with health care. However, Clinton’s plan doesn’t follow up with changes that will make the current system solvent or actually drive down prices. It’s just more of the same. Trump, by comparison, came to the table with new ideas.

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