The people that have enrolled that I know, have lower rates than employee offered insurance, others that did not have insurance because they could not afford it, have very affordable rates.
And yes, I have the ability to self insure, but I can also afford health insurance, and my rates have not changed, I have catastrophic insurance only, so I have very low premiums, but high deductibles by choice.
Here is a question for you, if the ACA is so horrible, why are republicans trying to get rid of it? Why not just let it play out, the American people will decide just how bad it is. My answer, I think republicans know that it will be popular once the bugs get worked out, I've said this before. Only time will tell.