And my freelance plan that we'd grandfathered into because of changes in state law was legally terminated by our insurance company so that they could charge us $800 a month instead of $300 and we didn't buy on the market either. But listen: My contractor with the three kids by two different women and the dual DUI convictions and the missing teeth has health insurance and he didn't. And so does his brother, and so does his uncle, and so does his boss. We can sling anecdata at each other all day but the bottom line is, your argument - "it seems like there are some problems that we've been talking about as if they're true, when they aren't" - is tenuous. It's a bummer for you that the ACA killed your sweetheart insurance but you found other means. It's a bummer for me that the ACA killed my sweetheart insurance but I found other means. But I run out of fingers before I finish counting the friends and acquaintances of mine who had healthcare after 2013 that didn't before and that's a success.