You're probably not reading this, but I didn't include what I pay out of pocket to 12d DD ... turns out it is MORE than than the most expensive ACA plan, but I have way more coverage at my job. E.g., I can go out of network, where the ACA plans do not allow that; and the deductibles are less than 1/3 of the lowest deductibles on the ACA. Thanks for that nudge.

Where did you get that 2% profit thing? I've been googling for that too and insurance profits and all I can find is that ACA only allows 20% admin costs. Non ACA plans indicate that their profit is ~15-20% of their revenue.