I have a feeling that had we continued WITHOUT the ACA, your friends STILL would've seen their medical payments increase even MORE drastically. There is something happening in health care costs that defy the usual way the Supply & Demand Law generally works, as well as Ben's Better Mousetrap notion.
I don't claim to fully understand it myself, but it seems Lind of like this:
In order for us to supply something we must demand that somebody creates a demand. A pill for restless leg syndrome needs doctors to first start diagnosing that syndrome in more patients. Similar to the need for gluten-free bread. But with more advanced MRI equipment and patented emergency drug dispensers it gets complicated because of outright bilking of patients.
And if someone builds a better mousetrap, it reads, "Oh! There's a market for mousetraps! We have to build an even BETTER one, and since that costs R&D, we'd better hike the price of the not-so-good mousetraps to get the capital and drive away the market!"
In the light of ACA, we can clean up in the states that don't buy into that, and then we can "demand" (ask) a higher price in those that do. Never mind the price in other countries.
That sounds like mumbo-jumbo, and I admit I can't explain it more clearly or even understand it completely. So these are just impressions as to how what I can see strikes me.
It's like if we say there's a shortage of potatoes, and get cows put on the Endangered Species list, maybe we can up the price of steak and fries.