$2M IIRC, and yes. The reason that NICU is so expensive is government has driven up the costs astronomically by intervening in the market place over the past 1

$2M IIRC, and yes. The reason that NICU is so expensive is government has driven up the costs astronomically by intervening in the market place over the past 100 years. The ACA is not reversing that, but accelerating that. If the lifetime cap for infant care was $1M, the effect of this intervention is $961,583. Or put another way, that baby would cost %96 less or about $40k for the stay in the NICU. This is according to the study done by Milton Friedman in the 1970s showing government interventions drove up costs 26fold, and drove down availability. (So, there's probably 30 years more of impact not accounted for in that 26x figure, its probably 50x now.) Not true about never having insurance again, and anyway the reason pre-existing conditions were excluded is that plans that specifically targeted people with those pre-existing conditions (all diabetics need insulin, right? why not buy it in bulk?) were illegal. So, government is the cause of the problem in the first place.