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?
It's not at all a bad thing to be concerned about the political consequences of policies when said consequences mean a far lower probability of getting
anything done. Nevertheless, I take your point about Schumer.