I'm not sure if you're being downvoted here, but I think this is the right answer. The major problem in the system and with the ACA is that it continues to try and operate health care in a capitalistic free market. Due to the lack of choice by patients and the fact that they cannot reasonable refuse needed care because of price, the system falls apart.

I believe the only acceptable solution is a single-payer system where the government is able to set pricing limits on services - like medicare/medicaid already work. This is the only way the costs can be reasonable for the consumers of the care.