it wasn't really the main question I asked. (It did address my point about being able to compare current hospital losses to pre-ACA losses, somewhat) Has that drop in unpaid bills ($300M in Mich), combined with more insured due to the individual mandate, indeed lead to lower hospital charges, and thus insurance premiums, as you guys promised would happen with ACA's passage?

In theory it should, but you certainly can't tell by looking at my premiums/deductibles on the exchange. I would also ask if this can truly be viewed as a savings (not that this is the only measure of success by any means) if all we've done is shift the cost from unpaid bills added to our charges, to Medicaid bills which get added to our tax demands. For example, from what I just found on MI, it looks like their Medicaid spending went from $12.4B in '12 pre-Medicaid expansion to $18.4B in '16 post expansion. That's a $6B and 50% increase in Michigan alone, just for Medicaid which as close to Gov't controlled healthcare as we have other than the VA. To save $300M/yr in unpaid bills. Obviously there is a whole lot more that goes into that Medicaid growth (healthcare cost increases, population increases, positives of more people getting healthcare, etc.) but I'm struggling to see how this was a great return on investment, let alone the savings we were promised.