Nov. 18 (Bloomberg) -- Bloomberg View columnist Megan McArdle presents a commentary arguing that we can’t really blame Obamacare for the fact that the most "affordable" insurance offers rather scanty coverage for the average user. Though of course, you can blame the law’s architects for overpromising. This commentary aired on Bloomberg Radio.\u0010\u0010(Megan McArdle is a Bloomberg View columnist. The opinions expressed are her own.)