“Obamacare does say that it will lower the cost of insurance. I do not understand how that is possible, proponents keep saying it will be deficit neutral, but they never actually explain how.” If you get people into the doctor sooner, they can get their medical problems solved early when the solutions are cheaper. Expensive co-pays and deductibles can keep people from seeking medical attention until the situation is dire (like yours).
Sure, that's why we need reform. Obamacare won't help that problem.