It is hilarious to see the Heritage Fdn write that article, since they developed much of the framework upon which the ACA was based. And don’t pretend that your insurance premiums weren’t going up before the ACA, or that they won’t go up significantly after it gets repealed (over the opposition of 65%-70% of the public, as polls show).
Looking back I wish Obama had truly used his veto-proof majority in the Senate and majority in the House to pass a framework that included a single-payer option that people could opt-in, as a backstop against private insurance companies backing out of insurance exchanges, Republican congressionals cutting away the insurance companies’ incentives at every turn*, and states’ governors refusing to participate in the programs. I am sure he believed that people would find a way to take the framework, make it work, and make it better. Instead they ensured in every way possible that it would fail.
And when they repeal the ACA there are people you know and love, as well as people on this very site, who will be unable to get insurance due to pre-existing conditions. My aunt is a cancer survivor. Pre-ACA she was told by one of the few insurance comapnies who would cover her that her out of pocket premium would be upwards of $5000/mo (not per year). She is currently healthy, but had cancer/surgery/chemo in the past.
(*One example is Marco Rubio inserting a one-page note into the ~1000 page-long, last-minute-before-shutting-down-the-government, 2015 Omnibus budget bill which eliminated the incentive penalties that were being paid up front to keep the big insurance companies solvent for assuming the higher-risk pools. This incentive was negotiated up front as a temporary means (through 2018, iirc) to keep the companies happy, but once that was removed several of the companies could no longer accept the higher-risk pool and chose to back out of the pools. Of course this was blasted in the media, and held out by people like Paul Ryan as an example of the ACA failing.)
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