Much of the discussion is how Democrats and Republicans failed to fix it, but in reality it was they who screwed it up. Every time government steps in with a pile of money to make something affordable to a few, they increase the cost to the many. This time (Obamacare) they increased the cost dramatically to everyone. 

Government is not the right tool for administering this kind of service! All they can do is throw money at it. And when you throw money, hands go up from everywhere to catch it.