Americans are so enamored of equality that they would rather be equal in slavery than unequal in freedom.
Alexis de Tocqueville
However, I'll note that before Obamacare, those in the private market seeking insurance had no one to turn to that would help them navigate through the insurance marketplace. Not over the phone and certainly not face to face.
Sure, an individual could go from insurer to insurer and meet with agents, but how likely is a salesperson (whose income depends on selling you their policy) going to tell you the truth about their own and their competitors products? And sure, you could get your insurance through a broker who offers policies from a variety of providers, but again, how likely is it that they will tell what is best for *you* as opposed to selling you the policy which brings them the highest commission?
IOW, the sort of service these "navigators" are providing was simply not available before now. So even if their performance is sub par, it is still better than the nothing that you had before.
You're in denial
We the people of the United States, in order to form a more perfect union, establish justice, insure domestic tranquility, provide for the common defense, promote the general welfare, and secure the blessings of liberty to ourselves and our posterity, do ordain and establish this Constitution for the United States of America.