I took a look at your article - what points in my claim (i.e., annual health care cost growth decreased in the first years of the ACA compared to expectations)

I took a look at your article - what points in my claim (i.e., annual health care cost growth decreased in the first years of the ACA compared to expectations) do you find incorrect? I'm happy to find primary references if you'd like. EDIT: As I said before (https://news.ycombinator.com/item?id=16933813 https://news.ycombinator.com/item?id=16933813), an individual's health care costs depend most strongly on personal factors like employer contributions.