You are correct. I would like to add: the basic problem is that ACA doesn't lower health care costs. It also now puts lots of people into these idiotic high deductible plans. Bush did that too there just wasn't as many people complaining because everyone didn't have to switch to a high deductible plan all at the same time - it was gradual. It also now lets the govt spend a bunch on failed federal and state IT projects. So they replaced high insurance company profit with wasteful govt spending we don't as easily notice? All of these guys need a comprehensive audit a year or so from now. How much is/was being spent, to what benefit, and is it any better now than when the (horrible) insurance companies had all the waste? Did the govt bureaucracy just want a cut of the waste? Questions. All we have are questions and shitty expensive health care. The irony is that this is what Obama is clinging to for his legacy.
Several issues.
1) The evidence is not clear, but it seems like the ACE is actually lowering the trajectory of medical costs. There is no other reason they are not rising like they were before. There are lots of experimental policy changes in the law that are designed to do this, and some of those may actually be working.
2) the high deductible plans are actually much better than nothing if you have a catastrophic health care problem, because they have yearly out of pocket caps that are reasonable. Instead of having a 'lifetime cap' (these are now illegal) so the insurance company only pays $100,000 for a $200,000 operation, and nothing else, leaving you bankrupt, these policies ensure that you only pay $6000/yr out of pocket, which means you are far more likely to be able to pay the bills and keep your family from poverty.
3) The money you pay for insurance doesn't go to the government, it still goes to the insurance companies. ACA regulates what the insurance companies can do, expands medicaid, and offers subsidies for people so they can afford the premiums. The website costs are a drop in the bucket of total health care spending.
I wanted single payer. I was angry when they passed this monstrosity without a public option. However, I understand that this is all that could be done. Given history, this is the only path possible. It will make things better for lots of people, some of which you probably know.