I believe what you are saying is true in some instances at some scale, but I wonder if what you say is the median case or a sample case that you’ve been fed by

I believe what you are saying is true in some instances at some scale, but I wonder if what you say is the median case or a sample case that you’ve been fed by an anti-ACA source. My anecdata for people on ACA is that it works pretty well, with a caveat that premiums are high due to various misaligned incentives in the US health care system.