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Prior to ACA, your pricing reflected the fact that the insurance co. could refuse to cover people with pre-existing conditions (ie sick people).

ACA forced them to cover everyone, which raised costs and, therefore, prices for everyone.

It's true you're now subsidizing sick people, but you'll be happy to have the ACA if you're ever sick (or have a dick family member).

It's not just subsidizing sick people with pre-existing conditions, it's that they couldn't throw you off once you got sick.

They would take your money while you were healthy but if you got sick, they'd throw you off.

That's not insurance. That's fraud.

It is amazing that this simple logic escapes most people. Sad!