One way to think about it is that you're paying an extra $120/mo for protection against rescission.

Another way to think about it is that you're paying $120/mo for the guarantee that you'll be able to obtain coverage for your spouse and children in the future. That guarantee did not exist at any price prior to ACA.

I'm not sure how to respond to your last point, because people who don't work have always received health care for free. The backstop for health care financing has never been "no health care". The backstop is bankruptcy, which isn't an issue for the unemployed poor.

By extending health care to people who can't afford it, the ACA has probably lowered your costs over the long term. That's because the most expensive possible way to provide coverage is through emergency room visits, which is how the uninsured obtain coverage.