The fix is easy. Lift the 400% of poverty line income limit for subsidies that bring the cost down to some reasonable percentage of household income for everyone. The more well people that have insurance the better it is for everyone. You can't have an insurance pool of only sick people and expect it to work. When insurance becomes unaffordable, only sick people purchase insurance. Most people, myself included, and apparently all three of our members of Congress, like that we don't have "uninsurables" anymore. The price of allowing uninsurables to purchase insurance is some kind of obligation to have insurance before you need it. You really can't have one without the other, it simply won't work.