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<blockquote data-quote="dmac1" data-source="post: 4621358" data-attributes="member: 60252">Except that your out of pocket max is definitely lower under the AC, flat out, you are wrong on that. Every plan offered to middle class workers had annual and lifetime caps on coverage that made your max out of pocket UNLIMITED&nbsp; if you reach the cap. Same for lifetime caps.Premiums went up because coverage is GREATLY increased but even with the premium increase, if you had copays for cancer screenings or annual checkups, or had to meet your full deductible before any insurance kicked in, you can still easily have lower total cost. And for those getting premium assistance, based on income and size of family, the advertised premium is NOT what you will be paying. The ACA made prescription not subject to ANY deductible, and your deductible doesn&#039;t apply to most of the care you will get AT ALL. If you go to the doctor and your deductible is $6000 but you don&#039;t need to pay a deductible for an office visit as under the ACA, vs previously you may have had to pay the full deductible, you EFFECTIVELY have a lower deductible if you never have to meet it. And so many services are required to be offered with ZERO copay AND zero deductible, that your annual out of pocket is much lower, and if you get hospitalized, you will ONLY face the deductible, and not tens of thousands in &#039;co-insurance.&#039;&nbsp;No one with a brain can only look at deductibles and say coverage is lower. &quot; The Affordable Care Act (&quot;ACA&quot;) mandates that new qualified health plans provide prescription drug coverage as an Essential Health Benefit. &quot;That means that prior to the ACA, many plans had NO prescription benefits, so requiring coverage is an INCREASE in required coverage. Just because you may not like having prescription coverage does NOT make it a decrease in coverage.</blockquote>

[QUOTE="dmac1, post: 4621358, member: 60252"] Except that your out of pocket max is definitely lower under the AC, flat out, you are wrong on that. Every plan offered to middle class workers had annual and lifetime caps on coverage that made your max out of pocket UNLIMITED if you reach the cap. Same for lifetime caps.Premiums went up because coverage is GREATLY increased but even with the premium increase, if you had copays for cancer screenings or annual checkups, or had to meet your full deductible before any insurance kicked in, you can still easily have lower total cost. And for those getting premium assistance, based on income and size of family, the advertised premium is NOT what you will be paying. The ACA made prescription not subject to ANY deductible, and your deductible doesn't apply to most of the care you will get AT ALL. If you go to the doctor and your deductible is $6000 but you don't need to pay a deductible for an office visit as under the ACA, vs previously you may have had to pay the full deductible, you EFFECTIVELY have a lower deductible if you never have to meet it. And so many services are required to be offered with ZERO copay AND zero deductible, that your annual out of pocket is much lower, and if you get hospitalized, you will ONLY face the deductible, and not tens of thousands in 'co-insurance.' No one with a brain can only look at deductibles and say coverage is lower. " The [B]Affordable Care Act[/B] ("[B]ACA[/B]") mandates that new qualified health plans provide [B]prescription[/B] drug [B]coverage[/B] as an Essential Health Benefit. " That means that prior to the ACA, many plans had NO prescription benefits, so requiring coverage is an INCREASE in required coverage. Just because you may not like having prescription coverage does NOT make it a decrease in coverage. [/QUOTE]

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