Well another provision of the ACA was the 80/20 rule, Insurance Companies have to spend 80% of premiums on care or refund the customers. So their overhead, salaries, etc was limit to the remaining 20%. Sounds great until you think it through a bit and realize that for them to increase their profits they need to increase premiums, they also then have to increase the payouts and the Hospitals, Doctors, Anesthesiologists, etc.. are all fine with getting paid more. So there you go higher premiums to cover their increased $ value of their 20%. Everyone in the system except the patient benefits from increasing prices.