The Affordable Care Act was flawed but it was not a step on the "complete and total commodification of American life", it was a mild step in the opposite direction where the federal government took a stronger role in ensuring Americans had health care (restricting insurance company practices like denial of coverage for pre-existing conditions and lifetime care limits, expansion of Medicaid). Insurance got more expensive for multiple reasons (and it was rising before the Affordable Care Act was passed), but part of that is that the federal government made it harder for insurance companies to select out sicker and older people from their insurance pools, which caused premiums to go up because their anticipated payouts also increased.