I realize the GOP has done everything possible to make sure the laws passed years ago remain under attack and are theratened each term of congress. Is ACA perfect - of course not. However, insurance companies hate uncertainty, and the rates & increases reflect that. When first implemented, the health insurance market changed, and there was uncertainty around that. Once the GOP took over congress in 2010, there was uncertainty about what they would do regarding health care, its funding, etc. Now, with Trump and the GOP completely in charge, nobody knows what will happen. I don't think the ACA can be fairly judged because of the these circumstances. If given fair chance, it might have worked well...and, it might not have. I do think the large rate increases this year are directly related to the uncertainty the Donald and GOP have caused. Would they have gone up if Hilary was elected - probably. But probably not nearly as much.