Schumer, like so many other Clinton-era Democrats, would be content to do nothing if it meant protecting Democratic Congressional majorities.
Notice that his critique is entirely political. He's not saying that the Affordable Care Act is bad policy, or that it has made people's lives worse; only that Democrats would have lost fewer seats. Sure, that's plausible. But if that's your highest priority, why even bother?
Exactly why I fear Schumer ever being Majority Leader. All he cares about is power, not what to do with it.