ACA is just asset protection. ACA works quite well for a narrow segment of the populace. Those with assets to protect and income to afford the first dollar expenses (or first thousands of dollars).
No pre-existing conditions, no cancellation, no lifetime caps. A gift for the upper class. For everyone else, for the middle and lower classes without assets to protect and cash flow not so much.
And Bill Clinton is right. Health care if defined politically as a right that should be available and affordable to all is not insurable.