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The basis of the whole idea is that the U.S. health care institution its not NEARLY complex enough for our tastes. If you want the U.S. health care system to be FAR more COMPLEX, it's because you want the government in total command of everything (especially you). The subliminal message that we're children, in need of paternalistic attention from the Dictator, is offensive.
I suggest you google the name Jon Gruber, all. That is precisely what the architects of the ACA wanted...to be in command of as much as possible and get the bill passed. And they were willing to create a cyclone of lies and obfuscations and complexities to so confuse the Congressional Budget Office and the Congress (and the voters) that they wouldn't realize that's what they were voting for.