DH your and my personal story doesn't mean anything. My positive story negates one negative story, so we cancel each other out on that one. We are in agreement on taxing bad health habits, don't think that will ever happen with Coke, Pepsi, McDonalds and all the other crap food companies out there fighting personal responsibility for the benefit of their profits. But the ACA is here and bitching and worrying will not change anything. The next election probably will not get rid of the ACA either.
My point above is we need to make MAJOR changes to it since it won't likely be repealed. To offer a single policy under Platinum, Gold, Silver and Bronze is hardly adequate for the wide range of people -- both agewise and healthwise. No reason that can't be implemented. Look at past years -- insurers offered a lot of different plans with very different coverages.