Recent major changes in the form of ObamaCare have only led to an increase in premiums, direct payments (e.g., deductibles) or public expenditure. One should also add loud exits of insurers, a smaller number of suppliers or their limited networks. Also, the number of the insured on the marketplaces/exchanges is not as large as expected and, in addition, in recent years it has started to decrease. All these factors do not prove an improvement in access to medical services, and their culmination has turned out to be a spiral of affordability which covered the whole country and did not concern a single case, that is, a specific health plan. The regulations introduced by ObamaCare did not differ significantly from those introduced in the past. Thus, they could not improve the situation. In fact, the government has limited possibilities to apply new solutions because these ultimately boil down to even more interventions. When previous interventions do not produce the expected results, others of even greater scope are proposed. Such actions consistently direct the American health system towards a single-payer system. Institutional conditions mean that this path leads through further weakening and regulating the private health insurance market.