Democrats are fond of blaming Republicans for undermining Obamacare, especially as conservatives attempt to overhaul the law. But experts and insurers point out that while Republicans aren’t blameless when it comes to the strength or fragility of the law, many of Obamacare’s wounds were inflicted by the Obama administration itself.

The law struggled for years when Obama was in office, even though his administration created it. Many of the problems were the result of short-term fixes by the Obama administration through the use of executive decisions, waivers, and deadline extensions. These inflicted losses for insurers in the exchanges. Those decisions by Obama slashed choices for customers and hiked prices, especially for those who were not receiving federal subsidies.