I wonder about your first statement above. Isn't it true that prior to the ACA being enacted, that health insurance provided by employers was voluntary? And if true, it seems to me that insurance coverage was less of a problem then. Most employers covered their full-time employees due to competition and the desire to retain workers. Insurance was not as expensive then either. It seems to me with the implementation of the ACA, 2 things occurred. Insurance premiums skyrocketed while overall coverage declined, and employers quit hiring full-time workers to avoid paying the exorbitant rates and to keep their businesses afloat. At least this was my experience working for a small business after the ACA was implemented.