re: ACA rates

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1. The rates you quoted are not the ACA's. The ACA doesn't provide insurance. It's only a set of laws governing how insurance companies must now operate, and delineating the extent to which the Federal government will help consumers.

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True

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2. It has always been the case that individual plans from insurance companies are typically quite a bit higher than group rates within employer plans.

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Somewhat true.

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3. The rates you quoted are before any available Federal subsidies. More often than not, the net cost to the purchaser is less than the rate quoted on the exchange... in some cases, 100% less.

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He may not have been eligible for the subsidy and tax credit. Where does the money come from for the "100%" subsidy?

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4. Even if the rates are high on the ACA marketplace website, those still represent an opportunity to get insurance unavailable to many people before the new law.

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They maybe able be able to get coverage, but they may not be able to get treatment for their condition.

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5. Even if the rates are high on the ACA marketplace website, they are still generally much less than what was available to people with pre-existing conditions before the new law, if they could get insurance at all.

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Hooray! Somebody gets their "insurance" paid for by someone else.