@Ben L
ACA is different in each state, especially if there is a state run exchange. Connecticut has one, New Jersey doesn’t.
I buy my coverage through the exchange because I am self employed. I have the same level plan with the same insurance company. My premium is 60% less than before ACA and I am now 5 years older. I did not lose any doctors and had many more to choose from. Prior to ACA I was restricted to which hospitals I could use, now all CT hospitals must take the coverage.
I have just signed up for Medicare to start this winter and will lose my primary care physician.
BTW…… I have posted about this before. Mrs. CTL was on life support in 2016 for 27 days and had 10 surgeries. The bill was 2.5 million dollars. Our policy had a one million dollar cap before ACA, caps were done away with by ACA and our out of pocket was $16.