I'm having trouble parsing what your argument here is. Are you saying that rates on the individual market are more expensive than the large group market is? Yes, that's true, and always has been (the small group market is effectively a facsimile of the individual market, for the obvious reason that there's not much actuarial benefit to pooling 10-20 random people).

There also isn't one "employer offered" system. In addition to the aformentioned small-group marketplace, there are also large group plans that cover big companies, and very big companies often self-insure, using health insurance companies solely to administer benefits but financing the care themselves. Can you be specific about which of these kinds of health care financing have been impacted by the ACA, and how?