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Message: <blockquote data-quote="dmac1" data-source="post: 4679126" data-attributes="member: 60252">They used reconciliation to get the ACA passed, and they couldn't do that with the FAA bill. You should know that before whining. And you are still crying about deductibles that don't apply to most care???????? You CLEARLY do not understand how deductibles work under the ACA. And insurance was cheaper for SOME because it covered very little and you DID need to pay the full deductible before getting ANY care.  I HAD cheaper insurance before the ACA and couldn't afford to see a doctor because I had to meet the full cost of an office visit and all standard blood tests out of pocket. An annual checkup cost close to $700 on top of premiums. Now, an annual visit is covered fully, no deductible, as are all recommended/required lab tests with no deductible. You REALLY need to understand how copays, deductibles, co-insurance and annual and lifetime limits work before proving your ignorance on those subjects. Under the ACA, your deductible is your out of pocket max, and you will never go broke from co-insurance, or be told that you reached your annual limit because of a cheap plan. And the total deductible under a family plan is not the deductible each person needs to meet- each person will have a much lower individual deductible. A plan with a $13,000 deductible may mean that if one person gets very ill or needs expensive treatment, they only need to meet $4000 before insurance pays everything that does have a deductible. If you need a $750 ambulance transport, your plan deductible may say you have a $6000 deductible, but for an ambulance transport, your out of pocket deductible will only be $250. You DO NOT need to meet the full deductible. And again, most care HAS ZERO DEDUCTIBLE. You really need to try to understand this, because you are wasting your energy worrying about high deductibles. It is STUPID to even bring them up. Your coverage offers a lot more protection now under the ACA. and IF you ever need even a few days of hospitalization, the slightly higher premium will be paid of for tens of years by the savings. If you are afraid to visit a doctor under the ACA because if high deductibles, you are just too stupid.</blockquote>

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