Where I differ with your statement is assuming that those who lost their policies, lost them because they were jalopies. I know of several where that was not the case. Now that could be insurance companies using the ACA to cancel policies that were not financially beneficial to them and when the extension was recently approved they offered those same policies for another year at a 200-250% increase in cost to the insured in order to maintain their financial objectives.

Thankfully, our insurance company offered us a December renewal date (our policy was set to expire on January 31st) at a 7% increase. After hearing all the horror stories, we jumped on it. Of course, with all the additional taxes and fees imposed on us by the ACA, it is really more like a 10% increase.