Your last sentence is pure speculation. There was never an equivalent rise. The spike is due, in part, by the ACA’d requirements that covered more than the original plans covered. Some of use didn’t want to cover those costs. When I priced a plan before ACA, $300 family of two. Closest plan after $750. I didn’t qualify for credits. So I had two mortgage payments:650 for house 750 for medical. SMH.