I, too, am not part of the ACA marketplace. I kept my prior insurance because I did not trust Congress to keep the ACA. I figured, if I kept my old policy, it wouldn’t evaporate anong with the ACA, leaving me an uninsurable person with a preexisting condition, when Congress repealed it.
I considered giving up my expensive self-employed health insurance policy for ACA to save several hundred dollars a month, but I too feared that it would be repealed. The coverage I have now is a survivor policy from my late husband’s employer. They cannot terminate me, but if I terminate that policy for another, I can never return. I could not take that risk. Just think of how much larger the ACA insured pool would have been if so many of us did not fear the Republicans would scrap it someday! If the pool were larger, the costs would be lower, we all would be happier. Even though I do not benefit personally from ACA, I know many who do — most of whom were living without insurance or with only catastrophic coverage.