Correct. This is all a show for the rubes.
The ACA was sold with, among other things, a promise to control the rate of inflation of health care services. It did not. Health care inflation remained low as long as core inflation was at zero, in part held there artificially by Fed policy.
Until the health care services inflation rate is controlled, mirroring more closely the increase in average annual wage, all this discussion about HOW health care insurance will work is moot. Could be no plan at all, could be single payer — — both fail unless the inflation rate is checked.