This maps with my experience. I have one child with pre-ACA and one child with post-ACA non-marketplace plans. The post-ACA is expensive and not good, the pre-A

This maps with my experience. I have one child with pre-ACA and one child with post-ACA non-marketplace plans. The post-ACA is expensive and not good, the pre-ACA is okay, but essentially neck and neck with the post-ACA on price. The pre-existing condition coverage part is really important for us. The problem with all health insurance is the opacity of actual costs. 80/20, deductible, out-of-pocket, these things are not trivial and they wander all over the place. Add to that the seemingly random prices charged by healthcare providers, which are even less understandable as "adjustments" are made. Nobody has any idea what anything costs. Healthcare providers throw out a number, see how much they get back, and call that the price. It's absolutely insane. The only way you can get this level of brokenness is to combine government, big corporations, and a powerful middleman lobby and let them figure out how to run things. All this nonsense to avoid "socialized medicine."