That's pretty dismissive of reality. A more lifelike portrayal is that ACA co-pays/deductibles resulted in wholly unusable insurance for millions of economically vulnerable Americans.
Before the ACA there were no out of pocket maximums, coverage was mostly limited to $100k per year per person, insurance companies could price you out or drop you as soon as you became expensive, and people with preexisting conditions were completely SOL.
Before the ACA if you didn't have employer provided insurance, there was basically no insurance option. All affordable individual insurance options were effectively prepaid minor to moderate medical care plans.
Yeah it sucks, particularity without the individual mandate, but it is significantly better than what existed before.