A study released Monday found the Affordable Care Act (ACA) helped lower average out-of-pocket spending (OOP) overall, mainly because of reductions in spending among people eligible for the Medicaid expansion and cost-sharing and premium subsidies on the insurance exchanges. However, premium spending rose, mostly, because of large increases for those with higher incomes, said Anna Goldman, MD, MPA, one of the authors of the JAMA Internal Medicine study.