Another point to consider: my out of pocket maximum might be lower (it's not, but let's assume it is), but so much less is covered now than before. I used to ha

Another point to consider: my out of pocket maximum might be lower (it's not, but let's assume it is), but so much less is covered now than before. I used to have a copay for doctor's visits, ranging from $20 to $30 depending on my employer at the time. So if I was visiting the doctor say, a dozen times per year (including wife and kids), I was paying $100/mo + $30/visit = $1,580/yr just accounting for doctor's office visits. At $300/mo and $140/visit (average; higher if tests are performed), that's $5,280 in out of pocket costs for doctor's office visits. And that's not counting specialists-- my daughter had a heart defect at birth, so now she has to see a cardiologist every other year, which has the happy(?) benefit of pretty much eating up my entire deductible in one fell swoop right there; before the ACA, I paid $50 for a specialist visit and maybe a few hundred extra depending on which tests that particular specialist ordered.