I am a believer in AACA but their subsidy system is out of whack and there is no recourse or compromise for solving problems, when they arise. The IRS says it's a ACA issue and the ACA says it's an IRS issue. NO ONE can afford $1,100 a month. I never even was able to meet my deductible, because I couldn't afford my portion of a needed surgery. Yet, I need to help MODA pay an estimated 30 million plus to their CO. BS!!