You are NOT paying for my insurance. I don't buy on exchange because I earn too much to qualify for tax credit. I have purchased my own policy since 98 when I became self employed; in MN, ID, and then 06 in WA before/after ACA which does not "rake off 20% of insurers take." So I remember the FACTS. 

I prefer Canada single payer as silly lib me thinks everyone should have coverage; either way I pay (taxes or uninsured ER use resulting in higher premiums). My premiums went up every year because I was a year OLDER and care/drug cost increases far outpaced inflation. Went up > 600% 98 to 10; 250% 11-17.

I remember lifetime caps as low as $75,000 (friend got cancer/filed bankruptcy); up to 9 prices for each age year due to pre-existing conditions; flat out denied coverage for certain pre-existing; and when insurers had no minimum premium threshold to spend on insured pool so wasted half or more on retreats, absurd salaries etc. ACA implemented thresholds, accountability, and oversite.