Yes, the A.C.A is in fact the problem---For ignoring the realities of the current marketplace.  Insurance is not health-care:  The law itself is a band-aid that addresses very little, especially rising health-care costs; now we have steadily rising insurance costs as well.  

If insurance companies are going to put themselves between Americans and their health, and use that position to repeatedly soak ordinary citizens to preserve their profit margin, then yes, they need to go:  Single-Payer is the only viable option.

For those of you whining about "incompetent government," it's a far better use of public funds than bombing the hell out of third world countries, and making more enemies, geometrically, with every drone strike.  We're going to have to make some choices here, and be active participants in our form of government:  Do we want to be the world's policeman, or do we want to get back to defending our borders and making sure our citizens are educated and healthy?