There's a fundamental problem with your assumptions. You started off thinking that healthcare should have a cost at all. If it's a "basic human right" then the answer is that the government should provide it, gratis.
I was/am against the new healthcare crap because its an ineffective bandaid on a terribly broken system. It does basically nothing to address issues with the healthcare system, and instead just creates ways to give care to people who can't afford it, by making others pay.
I don't claim to have answers for how to fix things, but what we've got isn't near fixed. For starters, why don't we require licensed physicians to "donate" a percentage (hopefully less than 50%) of their billable hours to people who can't afford to pay them. Or, why not get rid of insurance companies all together. Just go down to a single plan for everyone, and anyone who wants something else has to pay out of pocket. You may think "oh god who can afford that" but the problem is the prices for the shit are so outrageous. Maybe congress should take a look at the side of malpractice premiums and figure out how to lower those, so that everyone's insurance can be lower. Maybe if we make doctors "donate" some of their hours, we can exclude them from civil liability for anything that goes wrong during those hours.
There are about a million things that could be done to *start* to correct the problems with the *system*. Instead, they decided just pour more money into it. That doesn't sound right to me.