Obamacare is a massive policy failure. For those who must purchase an individual policy compliant with Obamacare, and do not receive governmental charity, health insurance has become an absolute rip-off in the state of North Carolina. The prices are stratospheric compared with policies that had been grandfathered.
Paradoxically, Obamacare probably is driving some people toward group insurance policies. The premiums for group policies have increased, but in all likelihood not as severely as those for individual policies. Why? Employees of companies are an entirely different population that is less likely to purchase insurance in the midst of a severe medical predicament. That phenomenon has driven the cost of individual policies sky-high. Purchasers on the individual market know they can purchase insurance under Obamacare regardless of the pre-existing condition they might have.
One major justification for Obamacare was to provide insurance for people vulnerable to losing job-related health insurance. The American norm of employer-sponsored insurance was presumed to put people at risk. A reasonable solution would have been for more people to own policies instead of having them tied to their employment. Instead, group insurance is probably advantaged from a price standpoint under Obamacare; and purchasing individual insurance is increasingly a bad option. But employer-provided insurance was originally felt to be part of the problem.
Is there any refuge from this mess?
The answer is "yes" for people of faith. The Christian Healthcare Sharing Ministry concept might be an option for some people.
But there are a number of more widely-known Christian sharing ministries for individuals and families including Medi-Share, Samaritan's Ministries, Liberty Healthshare and Christian Healthcare Ministries.
In addition, there is a ministry specifically for Catholics and other like-minded believers called Solidarity Healthshare.
These ministries are not insurance; and the buyer must beware. It is, to some extent, a leap of faith. But they seem to represent a good alternative for many people. The concept is that Christians with membership in the ministry bear each other's burdens. The nuts and bolts are a bit different among the various ministries.
There is a fairly large number of folks within my own circle of friends and acquaintances who have availed themselves of these options or are actively investigating them.
It appears that Obamacare has created a growth industry.