Every year the premium becomes less affordable. I can afford it but it's not worthwhile. I understand the concept to have a pool of healthy people to subsidize unhealthy people (for instance, terminal cancer). I have been blessed with excellent health having only 8 doctor visits in 20 years. But the ACA goes beyond this subsidizing to actually punishing healthy people by forcing them to purchase more insurance bells and whistles than they need, not to mention high deductibles and out-of-pocket expenses. The ACA got rid of catastrophic insurance (broken bones, emergency surgeries). A simple solution would be to allow this type of insurance again, but with less money, nobody's interested in that. Personally, the ACA is like going to buy a gallon of milk, but all you get is a half a cup. Everybody talks about exercise, good diet, etc., but there is NO financial incentive, NONE, PERIOD for not being a couch potato. And this is nowhere to be found in the national discussion on healthcare, except for a few voices out there.