I too have been in that position. And oddly, my wife's doctor costs us more with her insured than when we were paying cash, even after we've met our HSA deductible.
The President compromising with Congress would be bypassing Congress? That statement needs an award.
We've faced essentially this same issue since Obama took office, or at least since 2010. Congressional Dems have been unwilling to cut any spending or even craft a budget on which a compromise could be negotiated, forcing the Pubbies to accept continuing resolutions at 2008 bail-out funding levels even though Obama has supposedly fixed the economy. Now the Pubbies are fighting back, although frankly I wish they had done so over the continuing resolutions rather than over the debt ceiling increase. The Demos own the popular press, which means the Republicans are not going to win this battle ultimately. Gotta pick your battles if you want to win the war, and I don't see them winning this one, ever.
This one may be bad compared to the last seventeen. For the Pubbies, not postponing Obamacare means that by the next election cycle a majority of American households are on some form of public assistance, which makes any smaller-government platform problematic. For the Dems, not implementing Obamacare means Obama (and by extension the Democrats) has done nothing except for gays and illegals, plus it would rob them of a major fundraising tool, Obamacare exemptions. If this goes on long enough the Dems may well take back the House, at which point we're back to trillion+ deficits every year and 2010-2013 may be looked back on as the fiscally responsible years.