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It might have cost less but not for the reason you suggest. It was a shitty plan and few Americans were able to be covered on ACA.The new spending under the ACA ended up costing half of what was expected and it ended up achieving cost savings that have been (to date) trillions of dollars more than anticipated. There's plenty of room within the original financial envelope to beef up its financial assistance, which Biden has already done on the premium side to great effect.