People with ACA plans drop their plans at a much higher rate than in the pre-Obamacare era.  The average monthly attrition rate under Obamacare in 2015 (3.6%) was nearly two-thirds higher than the average monthly attrition rate in the non-group market in 2006 (2.2%). This occurred even though 86% of Obamacare enrollees were receiving subsidized coverage. We can only imagine what would have happened had enrollees borne the full cost of their premiums (as was the case in 2006).  The reality is that while the non-group market was never perfect, it performed much more smoothly before the ACA than most critics ever gave it credit.

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