Don't forget that before the ACA, your insurance company could have, and would have, dumped your family immediately if one of you got sick. I know, because it happened to me at the hands of Blue Cross. The ACA made that illegal. The Republicans blocked single payer so the ACA couldn't apply cost controls, so the insurance company passes on that cost to you. Make no mistake - this is a direct result of Republican obstructionism. 

The salaries and benefit packages for muni employees is out of control. Muni/state employees making $250K is just ridiculous.