the ACA was designed to have all 50 states participating. when several states pulled out (mostly all red states) ... the landscape changed. not to mention that the insurance plans both on & off the exchange has to have certain basic coverage. however, because those same companies weren't making as much profit to line their pockets with; some decided to extremely limit their participating providers on the exchange & have decided to offer the same plans with the same coverage- but at higher premiums off the exchange that did include wider networks. most like to say obama lied about 'keeping your doctor', when it was the insurance companies screwing around.
but the biggest culprit was marco rubio. he installed a 'poison pill' into the appropriation omnibus bill that was designed to fund the ACA. the health insurers were promised a recoup of their funds that were spent for the sickest people (called 'high risk corridors or pools') thru government subsidies of their own. rubio installed that pill that dictated those companies be reembursed only 13 cents on every dollar they are owed. that's why they are pulling out & that's why the remaining companies have jacked up the cost of everything.
https://www.nytimes.com/2015/12/10/us/politics/marco-rubio-obamacare-affordable-care-act.html?_r=0
Rubio Touts Measure In Omnibus To Stop ObamaCare Taxpayer-Funded Bailout Of Health Insurance Companies
is the ACA perfect? hell no. however, anybody want to say how premiums have ever gone DOWN?
anybody want to say when health ins. premiums DIDN'T go up year after year? they still would have under the ACA, just not as much as they have if it weren't for little marco.
say goodbye to:
annual caps
lifetime caps
premiums based on age & not health status
80-85% of premiums REQUIRED BY LAW to be spent on actual healthcare (& not lining the pocket of stockholders) or get a REQUIRED reimbursement....