The ACA can and does provide insurance that can well be affordable. Given that the COBRA through dh employer was $1400./month and the comparable policy thru BCBS was $870. without subsidy on the exchange, it was easy for us to see which was more affordable for us. For years we never paid a penny for our insurance because dh employer covered the cost. But for 5 years or so before he retired, employees started to pay a percentage of the cost. A company I worked for struggled yearly to find insurance plans that were affordable for employees because the employee paid the bulk of the cost and this goes back 16 years.
I don't complain one bit about the cost of our insurance. It has covered us for very significant health issues...and I am thankful for the fact that insurance companies must cover pre-existing illness. (I can remember back in the 70-80's women didn't dare change jobs because if you were pregnant, the new policy didn't cover the pregnancy!)
Please don't judge those of us who have purchased health insurance through a state exchange and DON'T assume that everyone receives a subsidy or medicaid.