How high is "insanely high"?
For a family with two 40 year-old non-smokers and two children under 21, making the median household income of $50,054/year, the average annual silver plan premium, nation-wide would be $9700/year. That's a lot, but not unreasonable given what a silver plan covers. But here's the kicker: Uncle Sam cuts your taxes to the tune 65% of your premium, so effectively you only pay $3373/year. If you were getting anything close to silver plan coverage for much less than $281/month, I'd be very surprised. You can do this calculation for yourself at http://kff.org/interactive/sub... if you like. If you have a reasonably profitable consultancy, the prospect of paying $9/day to insure four people shouldn't be that daunting.
But some small businesses don't generate much income at first, and the tax breaks in Obamacare don't help you because you aren't paying much federal income tax yet. That's what the Obamacare Medcaid expansion is for. It covers *all* your health care expenses if you make 138% of the poverty line or less. Unfortunately about half of the states have opted not to expand Medicaid, even though the expansion woulds be entirely funded by the federal government. If you live and work in one of these states and make less than 138% of the poverty line, you need to get coverage at work or you're screwed. Even a bronze plan, at $249/month, is more than people who are supposed to be covered by Medicaid expansion can pay. Blocking Medicaid expansion at the state level is a key tactic in ensuring that working people experience Obamacare as ruinously expensive.
Finally, it's important to remember that Obamacare doesn't set insurance premiums. What you pay *for* is regulated, but the *amount* you pay for it is determined by the market. Increases in premiums, or too-good-to-be-true plans that are dropped, result from outlawing practices like dropping you from your insurance when you get sick, or raising the premiums so much when you get sick that you're forced to drop your coverage. So the increased premiums under ACA are simply the market price for insurance that actually works the way people expect it to (i.e., when you get sick, it pays for care until you are no longer sick).
If you are one of those people who pre-ACA had awesome health insurance for your entire family below $100/month, your old insurance was almost certainly too good to be true. Insurance companies dropped those policies when the ACA outlawed the deceptive practices that made them profitable.