That's simply not the case. Employer-provided health insurance saw a reduced rate of increase under the ACA while the policies were upgraded. For those of us buying individual policies, the ACA has been fantastic beyond belief. Prior to the ACA, the only affordable policies were catastrophic policies that would be cancelled if we ever used them, so they were one-time coverage deals. Under the ACA, our policies cover more, cost less and can't be cancelled for using them. My family's health insurance costs dropped by four thousand dollars per year for our much, much better coverage.