Paul:  I think we share considerable agreement on this issue.  The ACA isn't perfect...and a cooperative Congress (bipartisan) could have addressed the shortcomings and made it better.  That didn't happen.  

Personally, I'd like to see medicare level coverage for everyone and those who wished more could go to private insurers for additional coverage if they so desired.  Additionally any HMO/insurance companies could offer to provide their services for the amount budgeted for the medicare level care.  My wife and I have AARP HMO coverage and UHC covers it for the medicare deduction amount.  

I agree that those persons with those "golden level" healthcare policies don't really understand the bind facing middle and working class individuals with either limited coverage w/high deductibles or no coverage at all.  regards, Gary Crum