I have not benefited from the ACA. In fact I only clear 900.00 from social security a month but because I file with my husband I do not qualify for any assistance. We are being penalized for having to use money from his 401 k to help pay my $689. a month health insurance policy and to pay our mortgage on our house since our SSI Incomes can not cover those expenses. On top of the $689 a month policy it has a $5,500. Deductible I have to meet before any medical is paid. I have not used my policy except to get a yearly physical and now I am told that my premium is going up 30% in 2016 to help pay for all the people that have been using the ACA and they are probably the ones getting the subsidy for their policy. Very unfair. I will have no choice in 2016 but to go uninsured.