“The ACA is a classic illustration of placing a persuasive title on a controversial statute to conceal its deep internal weaknesses. There is no way that one can “protect patients” by restricting, either through private employers or public exchanges, the choices they have in the type of plans they can join. It would be impossible for the statute to make health care more affordable when it piles major mandates on private plans, which could make them too costly to operate at all.”