Horse sense is the thing a horse has which keeps it from betting on people. ~W.C. Fields
To the guy questioning the value of deductibles to price sensitivity and market dynamics: see utter lack of both above. And misdirected consumer angst that results from lack thereof.
If you've got a better idea, love to hear it. If you underwrite a 60 year old with diabetes, and charge him the full cost, he's pretty much uninsurable and therefore will never get health insurance unless he's well into the top 10% or so. If that 60 year old has survived cancer, he'll never get insurance of any kind. So what is the ObamacareFail plan other than throwing bricks at any idea anyone else comes up with?
That's why we want single payer and when it became clear that could happen, tried for the public option, but you guys managed to block that too, so the ACA was the best we could get in terms of prices.