Павел,
Obamacare will not lower the cost of the individual insurance. *It will make it more expensive to buy .
*It will not lower the cost of the individual payments ( cash) for the services) because the cost of every single service will go up!
It will drive a lot of businesses to drop the coverage for their employees because it will be less expensive for the businesses to pay a penlaty for not providing health insurance than to buy health insurance for their employess.
There is so much economic analysis of the negative impact of the Obamacare on the private industry - you can Google it up.
There is absolutely no redeeming qualities for the Obamacare to let it exist.
HOpefully, after the GOP takes over the Congrees this fall, they will start working on repealing it. *(v)