Health / insurance to begin with is an oxymoron. Insurance is for asset protection and hedging.
Now a perturbed market because the government (in their infinite wisdom) granted a tax break for corps that provide golden handcuff benies. Part of the “deal” in the private sector employer marketplace is/was guaranteed issue. The private insurance industry will NOT provide guaranteed issue, no lifetime caps, no risk adjustments (other than age), kids are kids until 26 … and The Fountain of Youth for the individual marketplace.
The only solution now for the ACA features and Essential Benefits is a public option. Just don’t outlaw or regulate out of existence private options.