Thing is we're at a point where the person with 80k is still fucked. Problem is that employer healthcare shields a large enough portion of society from having to directly confront this issue. The part that isn't is rioting in the streets but the individual market is still a small minority of the healthcare system. The best part of ObamaCare forcing people to interact with these murderers is it was the best possible way to spread awareness of how horrible these companies are and the marketplace lets people keep track of the increase of health care prices while before that was just some news jargon to most people . If you weren't insurered you'd have no idea, now everyone knows.