The ACA helped allow my wife to retire a few years earlier than she could have done without it. The cost for ACA was less than 1/2 of what COBRA would have cost, which runs out in 18 months. We are not rich, so I guess that helps. If we were better off financially, I guess it would have cost more.
We were told by an insurance agent that ACA would cost more than COBRA would. He was so ignorant, he would not even run the numbers, I will not name him, but he sells a lot of insurance in The Villages.
We went online and found it easy to sign up and get a good policy. It doesn't cost anything to check out and a lot of people may get a surprise.
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