ACA is the Neoliberals' Perfect Scheme

because requiring people to have health insurance or face a "penalty" of a tax further enriches the health insurance industry, an industry that shouldn't even exist in the first place:

Every step of the way, the bill was crafted to meet the demands of the private insurers, the pharmaceutical lobby and the giant health care chains. Any vestige of what could be termed a “reform” has been stripped away—including the inclusion of a government-run option on the health care exchange.

What remains is a requirement that all but the poorest individuals purchase insurance or pay a penalty. The insurance industry will be guaranteed a new influx of tens of millions of cash-paying customers, and there will be no meaningful oversight over what they can charge for premiums. The legislation is still purposefully unclear about what “minimal” standards employers and insurers must meet for coverage.

This is under conditions of a deep budgetary crisis for virtually all US states. Along with the federal government, they have responded by slashing Medicaid and other health care programs. At the same time, corporations are dumping or slashing insurance policies as part of an attack on wages and benefits. The general impact of the law will be to shift these costs onto the backs of individuals, who will be left to the mercy of private insurers offering less and less coverage for higher premiums.

Just like with pensions being done away with in favor of 401(k) ripoffs, individuals will have all of the expense and all of the risk when companies get rid of their insurance plans.