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Largely because Republicans controlled Congress as block to a super majority vote..
everybody blames Obamacare but at the end of the day it wasn't what Obama put forward. Obama actually championed a co-op plan that would be analogous to developing a post office while the private industry looks like UPS and FedEx
The argument was that if the private industry is so efficient it should be able to easily compete. People would be able to choose whichever plans they wanted.
Republicans straight up said that if this happened that private plans would not be able to compete. Of course this is because the post office plan, the non-profit coops, would be subsidized and nonprofit. But that is also a startling admission that the private market can't compete with the analog of the post office.
In the end we went from a health care reform really to a health insurance reform. Private companies were contracted to create new standardized plans and the government signed up to subsidize people based on income for household size.
The result of this was insurance companies essentially remodifying all of their plans to take full advantage for profit off of this new system and getting rid of plans that didn't make them much money in this new system.
Both insurance companies and Obamacare and the Republicans all had the goal to move some amount of health care expense onto the end user. And that's one of the things that actually got straight through with everybody in agreement. That's why your deductibles went higher and why your out of pocket expenses like copays went higher.
Each individual in this equation had their reasons for it.
