There is an interesting article in The New York Times here
http://tinyurl.com/mbq5zs2 "Health Plan Cost for New Yorkers Set to Fall 50%" about how the premiums for individuals are going to fall due to the exchanges set up in NY having created competition in the marketplace.
According to the article, similar reductions in individual premiums are supposedly taking place in all states that have set up exchanges--CA and OR, for two examples.
I admit to being a proponent of the Affordable Care Act. I hope it works. I hope it works for my children and theirs, because the system we have now is causing my children to underinsure themselves. Now if we could somehow rein in the hospital costs so they become similar to those in other first-world countries.
This will be my only comment. Nothing will ever change my mind about this subject. I invite others to give their opinions. But please read the article first, and its addenda.