The aca is complicated and I am not trying to reduce it but the big effect for the general population is getting rid of pre existing conditions. Under biden we got no surprise billing which is a very significant improvement. Further the keeping medical debt off credit reports is also very significant. This is all outside the ombudsman bill that tackled fixing the trump1 economy, made a push toward lowering the us impact on the climate, and fixed our ailing infrastructure. Then you have what he did for education debt and I think this is a big one as he got a lot of criticism for not getting what he wanted to begin with but to me this really showed his quality. He was like the chumba wumba song getting his stuff knocked down and coming back with something else. He did not give up on it. Then the various agency thing like limiting bank and credit card fees along with getting rid of no competes. Now much has been torn back down by trump but that is not his fault.