This. For the past 6 years I've paid for my own health insurance or had a HSA depending on the state I was living in. Past four years I had a plan that worked for me. Cost was a little under $100 a month for health insurance plus dental. And I used the dental coverage more than the medical side. I was in my late 20's early 30's and pretty healthy. I spent more on dental work during that time than medical. Other than my annual check up, provided free under my plan, I think I had one other doctors visit for a sinus infection. Medication was $4 for generics and I don't think they even billed my insurance. Deductible was $2500 with max out of pocket of $11,000. While that maybe "high" to some people, it was an amount that if I really needed it I could afford to pay out of pocket and it wasn't going to bankrupt me.
Well last October I got a notice stating my plan was "Catastrophic only" and I no longer qualified for it under the ACA because I was over 30. So I go shopping and the "Plan closest to mine" was 3x the cost. The deducible was $5500 and max out of pocket $21,000. When I bring this up in conversations I get told by ACA supporters, "Well that's because before you had a crap Catastrophic only plan and now you'll have a better plan". Well I compared point for point and as far as I can tell, at least on the things that really matter to me, the two plans are nearly identical on what they cover. This new plan appears to be Catastrophic Only, only now if I actually have to use it it's going to hurt my pocket book even more. Typically I only kept around $25,000 in cash on hand in my money market and another $5,000 in checking/savings. Now I'm going to have to look into doubling that over the next few years.
I'll end up going on the plan offered through my fiancÃ©'s job when we get married in a few weeks, but there is a big question of whether that will be available next year. So far indications are it's going to be far cheaper for her company to pay the fine and push everyone to the exchange than continue to provide health coverage.