I don't disagree, but health insurers are a multi-billion dollar business.  They make a ton of money on those nickels and dimes.  Ultimately, they will find a way to make as much profit as they want to make, regardless of the law.  They will hide those profits as something else or find a way to offshore them, use accounting tricks to make their profits look lower, but make no mistake, O-Care was a huge benefit for those guys.