The two times I did not have employer sponsored health care AND $0 income, the ACA plans were more expensive than getting a plan directly from the insurance company. It never costed me $27,000 though.
Most recently, in 2024, I had medical and dental coverage for my family of 6 for around $1,200/mo - roughly half what's quoted but again, family of 6. Wasn't the greatest insurance but it would have kept us from financial ruin in case of a catastrophic event which is all I expect from insurance anyways.