Speaking from experience, premiums go up every year, coverage decreases/copayments increase, and plans often get discontinued. I've had to switch to a different plan three times now.
Obamacare has greatly increased the cost of healthcare for most people (people without pre-existing conditions). It's become much harder to contract since its inception because more and more of your income gets diverted to insurance. Thankfully you can count what you pay toward insurance as an expense against your income but it's still such a major cost that not having employer supplied health insurance is a major burden to most freelancers.