So before the ACA healthcare was cheap and affordable? No it wasn't in fact before the ACA healthcare cost were the number one reason people went bankrupt in this nation. What you are proposing is healthcare for profit, and that is why our healthcare is the most expensive in the world, it was before the ACA it rose 40% in the ten years prior. There is no such thing as the free market, none, other nations have better healthcare than us and for a lot less controlled by the government.