fuzzy logic, my brother and his wife both are now covered under the ACA and yes, they receive a subsidy.

Prior to the ACA insurance coverage would have cost thousands and the deductibles were $5,000 each per year.  Their retirement didn't come close to providing it.

Since the ACA both of them have needed surgeries.

I have TRI-CARE insurance from the military which is low cost and good insurance.  However, my son is 21 and cannot be retained on our insurance unless he is in school. Then the insurance rates skyrocket for him.

I think the ACA needs improvements and I think the current skyrocketing costs need to be reigned in.