> 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.