You are correct. Neither the ACA nor the BCRA has addressed the underlying structural components of American health care that cause costs to continue to spiral out of control. Insurance companies have a vested interest in not containing the cost of health care. They profit from a percentage of the overall cost and the higher the costs, the higher their allowable profits. 

If at the very least, government (or a chartered non-profit) offered nation wide consumer-based insurance with the freedom to negotiate prices on services and pharmaceuticals, it might begin to drive prices down. Blue Cross Blue Shield was initially chartered as just such an entity. How and why they were allowed to take their publicly funded assets and separate into regional for profit corporations is something I'll never understand.