ACA premiums are literally taxes, the price you pay has nothing to do with your health risks.

You are paying more because a lot more healthcare is being delivered, to people who never used to either due to exceeding maximum benefits (we have the opposite today with out of pocket maximum), or being denied for pre existing health conditions.

So to answer:

>Who is it better for?

My 4 year old, who has received hundreds of thousands of dollars of cancer treatment, and will need a bunch more over the coming years.