I thought I would share our experience with the ACA/Obamacare/Romneycare.We are a healthy, self-employed couple in our 50s who had good individual coverage; however, even though we rarely go to the doctor, our premiums increased from $400 a month to $1200 a month over ten years. Because of pre-existingconditions (and believe me, everything is a pre-existing condition!), we could not change plans without losing coverage for these pre-existing conditions. After the law was implemented, our insurance was initially cancelled, but then reinstated.We were eager to see what our options were under the ACA. As early adopters,signing up via the web site and 800 # was an absolute nightmare, so criticism is well-deserved. We were able to choose from 84 different plans. The plan most comparable to our old plan was over $200 a month cheaper, however we chose a plan with comparable coverage but a higher deductible, which saves us $340 a month and provides tax savings since we are eligible to enroll in health savings accounts. Preventative care is included at no cost and there are no annual/lifetime payment limits. We don’t qualify for a subsidy, but they are available for lower incomes. If you don’t qualify for a subsidy, you can get access to the same plans direct from the insurer, which in hindsight would have been a much easier process given the rollout problems. So, for us, this law has so far been beneficial. We’ll see how it goes over time.