The costs of my wife’s birth control pills (I pick them up, so I pay): before ACA, $5 after ACA $5. Wow, what a great benefit. Oops, wait, $5 - $5 = 0 ;) Her OB-Gyn prescribes up to 6 months per visit, so visits aren’t that many and the copay is, under ACA, $10, and before ACA, it was $10. i.e. nothing has changed for us.
Before ACA we were able to use an out-of-state insurance provider, but after ACA my employer had to change to a slightly higher in-state insurance provider, in regards to premium price as well since state law requires at least 50% payment for my insurance, which means my employer has to pay a higher price. Then my employer changed insurance providers, yet again, and it was another in-state provider and went back down a bit. Net-net, no change. We have 4 choices in our state, so they have to compete. Ok, one does not allow you to keep your own doctor, so we didn’t chose that one, even though it is a bit lower per month, but per visit co-pays are significantly higher. Thus, the best plan for us is one that we can keep our doctors, and ends up being a bit better coverage per visit, so ok 3 choices.
What ACA did was wipe out the most cost effective one, the one that was out- of-state. The increased competition from out-of-state was good, now the in-state ones only have each other as competition and they could raise the premiums and increase co-pays. Out-of-state competition prevention is one big downside of the ACA. So, we could have had fiercer price competition. So, do I want the ACA repealed, you bet! At least the out-of-state portion (and the mandate portion) which limits freedom because it lowers competition. For me, the ACA has had negative effect from day 1, and 200 of my colleagues.