New England Journal Of Medicine: 20 Million Covered Under Obamacare

[Kali]

39. you seem to have a basic misunderstanding of a few things

the biggest being that without the ACA you would either be dealing with an expensive short term COBRA plan, OR you would have NO insurance at all, OR you would be paying FULL price for whatever you might have been able to find on the open market for an unemployed individual (unlikely to find anything).

the one other possibility would be as an unemployed person with no income you might qualify for your state's medicaid program. have you looked into that?

your claims that you have higher premiums don't seem to be comparing apples with apples. you are comparing an employer subsidized plan (with a 80/20 hospitalization - was there a cap on that 20%? that can add up insanely fast, low deductible or not) against a tax-subsidized plan that has what seems to be higher premiums and a higher deductible, but you have not given full details of the coverage. And here is the biggest difference: your previous insurance could have dumped you for actually needing the insurance at some point. The ACA prevents that.

Now you may indeed be paying more and getting less, but you haven't given enough info for me to be convinced yet, and you have missed the huge detail of my last point above: they can't cancel your policy just when you need it most.