Considering spending on healthcare since the ACA was passed has increased by the smallest amount in the past sixty years, I'm willing to wait to see what happens long term. I imagine your employer pays for most of your health insurance premiums, so you probably are as clueless as most people. I have always had to pay for my own health insurance because I am self-employed. I know the real cost of health insurance, and I have seen how it was increasing by ten to fifteen percent year after year from 1995 forward, up until 2010 when the ACA was passed. That's when the increases dropped to only 4%. Sometimes you have to stop listening to those talking heads on the radio.