Two Payer System- (First Problem Solved) -Groundwork.

   Technically, Obamacare is a one payer system. One payer on Medicaid. And one payer on exchange policy.
   Looking at the huge problem associated with the voluntary part of the one payer on exchanges, where the healthy dollars are not showing up, in order to compensate for the needy in the insurance money pool; it is predictable, that, a lack of interest will cause a short fall of usable capitol. This will lead to sharp increases in the cost of related policies. This cause and effect is called  cost transference. Spreading the cost out evenly, so to speak.
   It is better to use Medicaid as a support on coverage, for young people and working healthy people (at lower income levels), who will purchase policies for half the cost in the private sector. The split on Medicaid and insurance policies makes lower costs possible. This keeps more money flowing into the pool for insurance coverage, without driving up costs for other policy holders. (First problem solved.)