The problem that does link the two ideas in your reply is a fact of human nature. If we let government or even private cartels. . . insurance giants or hospital chains. . . . take responsibility for our decisions and control our financial options, they will assume the absolute power to do so.
humans don't do well with power or money when it comes to doing what is best for others. We do better when we take care of ourselves.
The specific link is the law that specifies bureaucratic decision-makers charged with cutting costs and allocating resources, which in effect means if we let government run our car pool, they will tell us what car to buy and how to drive it. But even worse, they will look for the car manufacturer that will wine them and dine them until the bureaucrats give them the contract to make all the pool cars for the whole country, at a higher price for the manufacturer, and that manufacturer won't need to keep quality up to make the sales, and will then cut his costs and give us cars we can't drive, little cheap piles of crap that will stall out every day, freeze us in the winter and cook us in the summer, and break our backs on the commute.
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I guess this is about as close as I'm going to get to an answer. I believe your argument negatively characterizing the ACA starts with the concept of healthcare, and whose hands are in the pie. Going way, way, way before the ACA was even thought of. And to that point, you're right.
But if we go back in time to before there was health insurance, supply/demand ended up killing millions of Americans because they couldn't afford it. Which turned the beloved free market into a killing force much more deadly than communism and Nazi's.
The government didn't do anything about it, as fighting the free market is socialism.. F*** that. That's political suicide.
And so in came your snake oil salesmen, insurance companies. They offered protection from the predator that was the healthcare "free market". They decided who would get what, and how much money they pocketed. For a "low" monthly cost, you could live in a house made of brick instead of twigs or straw.
But now, it's the insurance companies that are controlling care. They were the ones who were deciding what care you were getting, what doctors you could see, what procedures you could get, and when.
More and more health insurance companies were popping up all over the place. And so, a new market was created that coincided with the healthcare market - the health insurance market.
Americans embraced the idea of health insurance. I don't like it, as it's just a bandaid on the real problem - the absurd price of health care. But because America has embraced health insurance in the first place, I have to ground my argument and line of thinking there. And that's where the ACA starts; long after we've embraced insurance as a part of our lives. We are stuck with insurance companies until we as a country accept health insurance as a duct tape, and not fixed pipe.
The ACA regulates insurance companies. Regulating those insurance companies, too, is just another piece of duct tape, another band-aid, another strip of bailing wire. And at that level someone's gotta own the company that produces that duct tape, those bandaids, those strips of bailing wire, and will make money off of it.
But until we can adequately address the cost of healthcare and do something about it, it's all we've got.