HELP; WE ARE BEING HELD PRISIONER

HA! DID THAT TITLE GRAB YOUR ATTENTION?  Just a little play on words. Kinda.  I have a medical situation that has been in existence for a number of years.  I will not go into details as that is not the purpose of this post.  However,  due to a deteriorating situation, the Dr's. have decided I need a medicine. The medicine is available, the Dr's. have prescribed it.  The problem is, the insurance.  It is up to them to decide if I can have the medicine or not.  So, now, after a waiting game of over a year, I am now in the loop but still waiting.
Recently my wife hurt her knee.  Again I won't go into all the things that took place, but after a Dr. ordered an x ray and other Dr's , yes that is plural Dr's. saw her, it was determined that she needed to have an MRI.  Was it scheduled right then?  Of course not. She had to wait for insurance approval.
I have a pregnant granddaughter.  Her insurance requires that she have the baby in a hospital that has poor reviews and many people saying that it is not a good place to be. When she ask to go to a different hospital, she was told no, her insurance required her to go to this one.
I blame most of this on the ACA. While it was touted as the be all for insurance, it has created a myriad of problems. Yes, it did solve several problems. What will the Trump administration come up with?  I don't know. Unfortunately Chuck Schumer and Nancy Pelosi and John McCain and others will fight any change to the ACA.  If they would look at the things that work and keep them and change the things that don't, then maybe we the people would be more inclined to believe them when they say they will do something. Until then we are held prisoner by the insurance companies and the tics that collect pay from them.
AND THAT'S THE VIEW FROM THE DITCH BANK