ACA rates might be a little less but I wouldn't expect they'd be much less. The insurance I have via my employer is far superior than anything I can get from ACA at this time and resetting to an ACA plan would reset deductibles and out of pocket expenses possibly costing me more money in the long run. It's something I will be looking at when the time comes that I have to make that choice. Until then, I am thankful that I still have insurance through my employer which is reasonably priced and has paid out more than $280,000 to keep me alive for the last 2 months. Without it, I would most certainly be dead at this point.
It's really expensive even for young, healthy guys. I would imagine this would be more than your mortgage payment.