Insurance companies are in business to make a profit. What the ACA did was ensure insurance companies have captive customers. A plan with a $6500 deductible vs pay a fine, nonsense. I should be free to choose between the plan or no fine. If it's all sick people in the plan pool because healthy people opted-out, that's the insurance company's problem, not mine.

Now that the individual mandate is gone, we can watch the deductibles climb ever higher and push people out of insurance.

For many people $6500 might as well be $50k.

I would support a full repeal of ACA and replacement with government payer for all, so long as private insurance is not outlawed and can go back to pre ACA form (I'd like to see more changes, but that's a starting point).

That’s fine as long as you support getting rid of laws that force hospitals to treat you whether or not you have insurance and you medical bills are not dischargeable in bankruptcy if you don’t have insurance.

Insurance is still priced based on the group you belong to. If you have a preexisting condition and you belonged to an eligible group - you worked for a company that provides insurance - they’ve always had to provide insurance regardless of preexisting condition.

The exchange group plans are priced separately.