This has been my experience, too. I've been self-employed since 2004 and had an HDHP w/ an HSA prior to the ACA. The premiums from 2004 to 2014 were lower than

This has been my experience, too. I've been self-employed since 2004 and had an HDHP w/ an HSA prior to the ACA. The premiums from 2004 to 2014 were lower than equivalent non-HDHP's, but post-ACA (we dumped our pre-ACA plan because I had a pre-existing condition that was not covered in our pre-ACA plan) we've seen equal or high premiums for HSA-capable HDHP's to non-HSA-capable plans.