The ACA was bad from the beginning. Another way for the insurance companies to make billions of dollars off the hard working American. I know from personal experience how bad this law is. A few months prior to the ACA being enacted I called an insurance company to get a quote. It was around $125 a month. Approximately 3 months after the so called Affordable Care Act went into affect I called the same company back for another quote. They quoted me a price of almost $400 a month. I said I couldn't afford that and the representative told me that's ok, the government stipend would cover most if not all of the cost. Being I wasn't employed, I didn't qualify for any stipend and therefore I would have had to pay the full cost. Anyone can see how the insurance companies stole Americans money. There was no way medical costs jumped over 300% in less than a year!!!