" individual's premiums"
No such thing as "individual's" premiums.
Your fictitious individual, in the previous health insurance regime, is classified by actuaries by age, sex, lifestyle into a cohort and every member of that cohort pays the same premiums.
Under ObamaCare, people select the cohort to which they will belong (bronze, silver, platinum) and pay accordingly.
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Questions for you:
I hope that you will put all of the hate, cynicism and antagonism on hold long enough to answer honestly.
From the day of your birth until you were 20 were you covered by a health insurance plan?
Who paid for it?