Vision and dental, which young people actually use, would go a long way toward smoothing it over, as would lower deductibles for people unlikely to use the insurance. Although the ACA mandates minimum coverage, vision and dental are of course not included. Its almost too funny.
Employer plans are good insurance plans, thats why no one complains. Better group pricing.
Vision and dental shouldn't be included and for the most part aren't good anyway. They are good perks of your employer offers them, but overall they are very different than medical insurance.
With vision and dental care you almost always run into modest, predictable expenses. When was the last time you knew someone who went in to get glasses and then walked out with a $50k bill? Same with dentistry. Sure sometimes people have a big bill from that, but it is almost always due to years of neglect.