> The issue is that deductibles used to be 1/10 as much before the ACA. And you had the option to buy "emergency only" coverage, which had a high deductible, but a much cheaper premium.

They were cheap for a reason. They're back in force, if you want to grab one. I don't advise it. https://www.propublica.org/article/junk-insurance

Do people not remember how insurance was like before the ACA? You actually could get less expensive insurance that actually covered things. Not this junk insurance you're linking to me, which only exists because of the ACA.

These days all coverage is emergency only coverage, because of the insanely high deductibles. Except without the benefits of lower premiums.

I am aware that some things improved, but not for the average low risk person.

> Do people not remember how insurance was like before the ACA?

I do. My wife and I went bankrupt with it, via $90k in copays and coinsurance.

We had good insurance, but back then insurance could have uncapped costs of this kind. As a bonus, they could a) set a maximum annual and lifetime amount they'd pay and b) decline to renew our coverage, leaving only high-risk pools (4-5x as expensive for premiums) available.

I have a zero-deductible ACA plan. There are plenty of them.

> I have a zero-deductible ACA plan. There are plenty of them.

How much does that cost? And which state?