I think you're both right. Adams was referring to the "one metric" of ObamaCare before it was passed. Nobody considered the personal cost of the ACA because nobody could measure it in advance.
Eight years later, I believe the "what does it cost me?" metric has replaced the "how many people are covered" metric for many Americans. I would point out, though, that the "what does it cost me?" metric applies primarily to a relatively small group of people who buy their own individual medical insurance.
Don’t overlook co-pays