The insurance industry has also convinced people that individual insurance costs more to manage than large group plans. It's part of how companies get people locked into company plans – the claim is it's less expensive than individual plans. The thing is, companies do not pay for partner and children's coverage; they pay only a portion of the worker's plan and the worker pays out of pocket deducted from their paychecks for their parter and children.

Before the ACA, my husband worked for BKC. They paid 60% of his coverage. He paid the additional 40% plus 100% for me and our son. He was paying $680 a month for coverage for the three of us – and it was lousy coverage. Now, on the ACA, we paid $110 a month last year. This year, it's going to nothing. Now, I still have issues with the kind of coverage; still, our coverage under the ACA is better than we had when my husband worked for BKC.