ACA has one weird twist this year: Insurance companies have to base their costs on the second cheapest silver plan in the area. So they have jacked up the cost of silver plans, so in some cases the gold plan (IE. lower deductibles, etc) is cheaper than the silver, once you take into account the benefits.

Last year we filled in the ACA qualification form for my wife and checked the wrong box by accident. It took months to get free of Medicaid even though we have WAY too much in assets to qualify. The ACA website had no way to fix it. It took dozens of phone calls and ACA kept cancelling my wive's policy every other month even though they cashed the checks. Thank God she turns 65 in September. You could die from the aggravation of dealing with ACA.