Real numbers for real people

Couple A

Wife has a great job and what many call a Cadillac plan free from her work,,

In 2010 this couple checked on adding the husband to the policy since it was so good, the cost would have been $73 per month

In 2012 the husband left his job and became "Semi Retired" for the second time at 52 , the cost to add him to the insurance was $120
Since 2012 the exact same coverage has risen to $330 per month..

Tax wise this money CANNOT be deducted because it is through the wife's employer, if it was through an exchange and much less coverage it would be deductible..

Couple B

Self employed basically the same ages as Couple A they are the only people I know of that have actually received better coverage at slightly less cost through the ACA without being subsidized.. Trust me here it is very little difference but there are extended overages and the premium is slightly VERY slightly lower..
The deductible is either the same or very close..



My understanding is that 84% - 86% of the people that have signed up for the ACA are receiving subsidies through the Fed, you really have to chew on that a bit..

There are many back and forth arguments of why this might be a good thing and just as many as to why it is not sustainable chose what facts you want to believe..