I’ve worked at 10 jobs and 7 of those were after the ACA became effective. Out of those latter 7, I’ve worked for companies with 60 employees to the second largest employer in the US. The ACA has set an acceptable minimal of how bad private insurance can be.

You can buy the same on healthcare.gov. And if you retire early, you can plan it so your income stays below the ACA subsidy limits and the premiums go down to near zero.

Although, you will need to pay extra for concierge care/direct primary care either way to see a doctor in a timely manner.