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> I won't ever use mental health services. Personal choice. The old plan didn't offer that. I could get another plan to cover that. Why should I be forced to purchase something I have no intention of using?

You are ignorant and heartless.

In the worst and most expensive cases, patients do not even have a choice.

And your subtext is completely clear here.

No, you should not get to pick and choose what conditions are worthy of treatment because you don't have them and don't think they are legitimate, and therefore make coverage more expensive or unobtainable for others.

What I get from this is you and your wife are healthy and didn't go to the doctor and after the ACA your premium went up $20 a month.

> Sure it had more bells and whistles, but I didn't want nor need them.

Like FREE preventative care. That's not a bell and whistle. That's worth more than your $20/month right there. Go to the doctor already.

And more importantly, that premium is identical regardless of what condition you were in. Without ACA, if you had cancer, you would die and/or be financially ruined. Worse yet, if you just had something like depression, or high blood pressure, or diabetes, then you'd be screwed out getting affordable insurance even in the event you got cancer or something unrelated but deadly.