It's the one year anniversary of the Affordable Care Act and millions of people have health insurance for the first time. Premiums haven't spiked as some predicted, but more than 30 million people are still uninsured. But as the 2015 enrollment period approaches, some employers are scaling back benefits, offering plans with higher deductibles and in some cases, forcing employees into the marketplace to find coverage. This week on Money Talking, regular contributors Rana Foroohar of Time magazine and Joe Nocera of The New York Times discuss Wal-Mart's recent decision to stop covering part-time employees who work less than 30 hours per week and whether the law has lived up to its promises or just confirmed the suspicions of its critics.