It's expensive in the sense that you now have to pay what your former employer paid (well, 2 or 3 percent more), when often the employer was paying most or all

It's expensive in the sense that you now have to pay what your former employer paid (well, 2 or 3 percent more), when often the employer was paying most or all of it for you. After my COBRA ran out a month ago I found that the ACA plans available to me at the same price were a huge downgrade in benefits.