PLease don't take offense, but I'm going to repost the exact thing I said before, which you quoted, and put some things in bold. Forcing the entire working population into solutions optimized for "the poor" is a huge problem for the Democratic party in general and was (along with fealty to employer groups) the primary reason they couldn't get ever get healthcare right, not Republican opposition.
I said:
"It's worse than that. Americans buy the wrong insurance for everything. People should be choosing the highest deductible plans they can afford, because the more they insure, the less they get for their premiums.
The worst aspect of ACA is that it eliminated catastrophic-only HDHPs and required all plans to cover this huge range of routine, predictable expenses you should be using an HSA for. Most people at professional income levels do not need vaccinations, routine checkups, or even generic and low cost meds to be "free", but I'm forced to prepay for those things with insurance, which is just a handout for the carriers and PBMs."
Insurance is a risk management product. It is simply dumb to require people who CAN afford the group discounted out of pocket cost of routine, predictable events to prepay for them through a middle man. It's like using car insurance to pay for oil changes and tire rotations. The entire point I was making is that people who don't need to pay for things like flu shots on a biweekly installment plan (which is what our healthcare plans make us do) shouldn't have to.