Under Obamacare, my son's insurance went from $133 a month to $467/mo, and was set to increase to $655 in January. We shopped around and found a less expensive policy, which the insurance company warned is not Obamacare compliant. We don't care. We only want certain coverage, without paying subsidies for other people's insurance.
Keeping the system the way it is carries overhead costs (not attributable to specific encounters) of around a trillion dollars/year. It's "subsidies for other people's insurance" that allows the whole thing to exist in the first place.