The ACA may have worsened the issue of insurance overcharging but don't say that it wasn't a problem before Obama.
There was a loophole that the ACA tried to close - if it was all too much of a fuck, you could just choose not to play the game, and go uninsured.
They trot out
tons of shit to try to make this seem to be the biggest evil ever, but for the average healthy young person, going without insurance was a huge, huge win.
Supposedly the ACA was going to make everything cheaper by forcing those to participate, but it never worked, and costs have gone insane, and there's not much of a way out (you can again forgo insurance without being ass-raped by the IRS but much fewer do now).
The foundational principle of Biden and Obama policy was the US should be extremely deferential to the world, to the point of submissiveness at times.
What people forget is there's a difference between being respectful and deferential, and being submissive.
You can get the exact same result and be polite about it - and arguably, after WWII we did things that way for specific reasons. (There's a decent argument that WW2 is because the world fucked Germany over so hard that Hitler was inevitable.) We provided much of the muscle/money behind things, but quietly, and let countries "save face" even if they didn't have the cash. Sometimes that involved us looking dumb, but we don't need to save face because we ARE the obvious rich powerhouse. But in the next 80 years, we stopped outwardly being the rich powerhouse and so it became harder and harder for the rest of the world to justify to their citizens why they would do everything the USA wanted.
Trump understands this, and this is part of the reason he did so well in Asia (not only with Japan loving him, but also the Koreas, and even China). It's "the deal", but on a country level - come in loud, demand everything, wave your dick around, get 80% of what you wanted
and the other country's leader gets to tell everyone they tamed the dragon!