There's nothing fabricated, it's just basic logic. Your medical expenses are high so insurance is a good deal for you. You're not understanding your own situation there.
This, unfortunately, has interesting implications for healthcare reform (both current and future). People who are net beneficiaries of the system (that is, who pay in less than they get out) still feel cheated because the costs are high. The unfortunate truth is that a lot of care relies on highly specialized (and thus very expensive) labor, advanced technology, etc. Healthcare is expensive no matter how you divide the costs and no matter how much waste you cut out. And people have little choice about using it. So they're going to be resentful even if they're getting a good deal.
There's no question that the ACA was a great deal for almost everyone in America and that single payer would be even better, but it's a much harder sell than I think people realize. And the fact that many on the left are trying to downplay the costs of single payer is going to make that sell even harder. The fact is, a lot of people (not a majority)--including middle-class people--will have to pay more in total costs (that is, taxes will rise more than insurance is cut) to make it work.