I signed up for a Blue Choice HMO, supposedly HSA eligible, with a 6500 deductible and a 372$ a month charge. Supposedly everything after the 6500$ deductible is covered. I haven't had an HMO in 20 years, and it was not a good experience. OTOH, I'm not really sure that an HMO necessarily means substandard health care any more. I'm in MD, we have some good hospitals here, that supposedly take all plans. I looked at all the plans, and it seems to me the diff financially between a silver and gold plan is a large percentage is covered up front, but that you pay for that in increased premiums so it is a trade off between paying more up front - or paying the deductible in full if you have a major health issue. If you see a doctor a lot or have lots of prescription drugs (not me so far), maybe the other plans are better.
Another thing that bothers me about the other plans is that many have the 80/20 payments, so that you end up paying 20% of the cost, even perhaps after the deductible is met. Perhaps how people go broke with a health emergency even if they thought they had good coverage. At least with an HMO, anything in network is supposedly covered.
I didn't apply for a subsidy (ignored that question), but perhaps next year. My one concern is that though I signed up for health care on the exchange, I haven't received an invoice or notice from the carrier. Hoping to get that soon.
As for if ACA is appealed, I don't see what they are going to do for people who perhaps gave up other plans where they had a history, and throw them to the wolves of no coverage for prior conditions or whatever. That would be enormously unpopular. I can see them curtailing coverage in future, or making plans more expensive. But if they become so catastrophically expensive that an average US income earner can't afford one, well that would be unpopular too. Whatever ACA is replaced with, it's going to have to be reasonably practical/acceptable to both parties or it won't pass. Perhaps it is better to be in on ACA now in some respects, in case it is repealed. It might make one eligible for some future grandfathering.