Unfortunately, Slashdot doesn't provide a " -1: Commenter is an idiot option", so I'll have to try to provide you with a clue. Brace yourself.
We are not discussing health insurance, and the ACA does not provide for it. The ACA is about health care coverage, and that is different.
Insurance is intended to protect against unforeseen or rare events, not expected costs. Auto insurance covers against collisions and theft, but it doesn't provide payouts for oil changes, tune-ups, tire rotation, etc. Homeowner's insurance will pay to repair or rebuild your home in the event of fire or disaster, but does not cover costs associated with maintaining the property or structure.
Actual heath insurance would cover serious injury or illness but would not cover regular doctor visits, routine check-ups, most medications and so forth. But that we don't have health insurance, we have a sorta-kinda-halfassed subsidy program for heath care we mistakenly refer to as insurance. And it is price opaque. In other words, you do not see the actual amount of the subsidy. You have no idea what the true cost of service is.
And that is the problem AlphaWolf was talking about. If it was obvious up front that you would be charged twelve dollars for a generic aspirin, no one would pay. If you knew that you were going to be billed 175 bucks for waiting an hour and than having a fifteen minute chat with a doctor, no one would go. Health care coverage hides cost and distorts the market, driving prices up.
Imagine that auto insurance worked the same way as so-called heath insurance. When you needed an oil change, you would take your car to an approved facility, hand over your insurance card, pay a co-pay and then get a paper saying 'paid by insurance'. With no dollar amount. An oil change might cost a hundred dollars. And why not? If you only pay the co-pay, what do you care if your insurance company gets bilked? It's not your money, after all.