In the pre-ACA world, those who were healthy might save in rates by opting into lifetime caps, but those who didn't want the lifetime caps -- i.e. those more li

In the pre-ACA world, those who were healthy might save in rates by opting into lifetime caps, but those who didn't want the lifetime caps -- i.e. those more likely to get sick -- ended up paying more than they do now. The whole idea behind the ACA is to equalize the playing field between healthy ratepayers and sick ratepayers.