>I agree with you on this Marcia.
>ACA has definitely eliminated some plans with higher deductibles that were perfectly suitable for certain people.
>Typically they are people with enough means to handle the deductible and with knowledge of how to handle their health without having to run to the MD at every sniffle.
>In fact, that's what the original major medical plans were intended to do- avoid financial catastrophe but otherwise let everyone pay for a routine visit to the MD.
>On the other hand a lot of people took these plans because of the lower premiums, but couldn't pay the deductible and that's what the ACA wanted to cure.
>Originally the plan's designers wanted to provide financial assistance to those who couldn't pay the deductible and leave the plans alone, but they caved -largely because of pressure from insurers- and wound with the hodgepodge we now have, where some people are being penalized for being able to handle their medical care costs themselves and are being forced to take insurance that they don't want or need.

At the risk of merely replying "ditto", well said.