The problem I see is that even if ACA was "working as intended," it would still be an incomplete solution. We buy off our state marketplace, but can only affor

The problem I see is that even if ACA was "working as intended," it would still be an incomplete solution. We buy off our state marketplace, but can only afford bronze tier plans with the subsidy. All plans are the same at low tiers, and all make you pay the deductible before the insurance company pays a dime (not counting "negotiated discounts," which are completely invisible until after the bill is generated) That means we're not really signing up to be able to go the doctor, but to not go bankrupt in case of major illness. We buy insurance only to cap our risk at the annual out-of-pocket max. That we get a "free" physical is just a consolation prize. I think a lot of people don't see it that way. As others said, most people see it as money wasted if they don't get sick. And that's a problem. I don't blame the ACA for our issues in the USA, I blame everyone in the government who worked tirelessly to ensure insurance companies can continue to tax our doctor visits for shareholder returns. We need Medicare For All. No one should have to skip going to the doctor because the insurance requires $6k-$8k of blood money before they start performing their function and paying for healthcare, or even let us pay "just" a co-pay.