There’s no candy coating the truth: Obamacare has had a very terrible, horrible, crappy, none-too-happy year. What it really means is that the victims of Obamacare — taxpayers, health care consumers, health care providers, employers and employees — have had a hellish, nightmarish 2014.

Let’s start with premiums. President Candy Land promised that he’d “lower premiums by up to $2,500 for a typical family per year.” But premiums for people in the individual market for health insurance have spiked over the last year. In fact, Forbes health policy journalist Avik Roy and the Manhattan Institute analyzed 3,137 counties and found that individual market premiums rose an average of 49 percent.