This might not be quite what you want, but the ACA does allow for High Deductible Health Plans (HDHP). Those have consumers paying out of pocket for normal stuff, using a Health Savings Account (HSA).
https://www.healthcare.gov/glossary/high-deductible-health-p...
Which are, nonetheless, rather impressively worse in basically all respects than the old medically underwritten individual plans. Other than the fact that anyone can get them, of course.
I’m not saying that the ACA was a bad law. I’m saying that a not-so-nerdy voter contemplating whether ACA is a great achievement of the Democratic Party is likely to be unimpressed.
Worse in some ways, better in others. The old individual plans usually had serious limits on coverage of pre-existing conditions. And they had lifetime coverage limits which could be exhausted by a single serious illness or injury.