The ACA has increased access to several uninsured people in the US. Premiums do increase when the pool of those covered now expand to cover those with pre-existing conditions because they obviously require more insurance expenditures. However, the overall net effect is a decrease in healthcare spending in all other areas. We have to educate ourselves on if we want healthcare to be a right or a privilege. In either case, financially the ACA addresses access to healthcare and aims-and in my opinion successfully does-lower the costs of overall healthcare by providing a way for the uninsured to receive care. If they didn't have the ACA the care they would receive would not be prophylactic and would result in more egregious expenditures for the federal government (funded by us).