Montecfo
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
When I first read the details of the ACA I was shocked that the subsidies went to people with that high of an income. I think it would be reasonable to go down to 300% or even 250% to match the cost sharing cap. I know some people on here would not be happy about that but I think it would be a fair way to cut costs if needed.
I doubt the structure of ACA will be preserved, as many appear to be assuming. There are still 28-30m uninsured, though all now have "access". If you analyze the uninsured the largest category is people who choose not to afford it, including a number of folks who qualify for subsidies.
I think what we will see is tiers of coverage and prices for same and fewer subsidies. Pre-existing conditions covered as long as you remain insured. High risk pools for people that used to be "uninsurable". And better pricing for the rest.
I expect folks like us will buy what we are willing to pay for, same as housing and cars.
YMMV and mine may also. Just a guess.