Are you talking about individual or group plans, because there are key differences, specifically as it relates to guarantee issue.
When you work for a company that offers insurance, it's a non event, except the process during enrollment is confusing and a pain in the ass. Now when it comes to the individual market, it's a whole different game. In California, you fill out a long detailed application stating every prescription you take, and ailment you have had in the past X years. The insurance underwriters may call the potential customer, or your family doctor for clarification. Based on what you say (current rules), you will be accepted, declined, or accepted with a rate increase based on your application, i.e. high cholesterol gets you a 25% rate increase. Again, if accepted, the insurance company sends out a welcome packet, and right in the front of the packet is your written application, which means if you lied, and you attempt to file a claim, you're denied.
Re preventive care as a part of ACA, it was mandated at the beginning of 2012, except for individual "grandfathered" plans. If you have a grandfathered plan and want to change to a plan that provides preventive services, you can, but you will pay a higher premium, as well as go through the enrollment process AGAIN.
The only group that would avoid preventive care is the young and healthy, and I'm betting mostly males, i.e. 18-35 demographics. Women, thru media and the like have been conditioned to take advantage of "well women" care, which is part of preventive services, which could have a side effect of reducing Planned Parenthood's business. If you are sick, feeble, weak, fat, which is 50% of the population, you're going to take advantage of it.
Like you mari, but maybe for different reasons, Obamacare is a joke. Premiums will continue to escalate, and taxes will continue to rise in a feeble attempt to help fund it. Will it work, NO.
P.S. Sorry about your Blue Devils the other day. They had to lose sometime. My Bruins are on a hot streak, but I have no illusion that they will get beyond the 2nd round of March Madness.