The insurance marketplace brought about by the ACA actually seems like a pretty decent idea. The problem is that not everyone is using it and most people are st

The insurance marketplace brought about by the ACA actually seems like a pretty decent idea. The problem is that not everyone is using it and most people are still tied to whatever plan their employer picks. Usually politicians say something like "People like the health plans they have and want to keep them." Meanwhile I have changed jobs once in the last 3 years but in that same timespan I have had 6 different health plans / providers because companies renegotiate their plan every year and often pick a new one because they can get a better deal or the previous plan increased in price. Having my own chosen plan via an open marketplace that was mine and not my employers would have actually resulted in more stability.