Just to respond to your first sentence. All ACA plans have a "coinsurance maximum". Meaning, you pay your deductible. Then you pay your 20%-30% coinsurance.

Just to respond to your first sentence. All ACA plans have a "coinsurance maximum". Meaning, you pay your deductible. Then you pay your 20%-30% coinsurance. And then when you reach your coinsurance maximum, your health insurance pays 100% of your health care costs. The coinsurance maximum varies with the plan but they're not very high. Mine is around $3500, and the biggest I've seen is $12,500 for "out of network care". On top of that, "annual/lifetime maximums" (where the insurance company STOPS paying for your care after a certain amount) are prohibited. And that is different than before. The upshot is that everyone on a health insurance plan truly has an out-of-pocket maximum now. (There's always the chance that I have missed something here, but this understanding is consistent with the intent of the law.) I'm in my low 40's and my premium went down over 20%. I think the premium increases for people are also very much about the improved quality level of the plans, and some of that quality increase is "hidden" due to the old plans having lots of against-the-patient "tricks" that are now outlawed. BTW, you have referred to my other comment a couple of times now. I am not saying it is dishonest to not want to provide health care for undocumented immigrants. I am saying that is intellectually dishonest to have that position, and simultaneously criticize Obamacare for not covering that number of uncovered patients. I believe that if someone criticizes a problem, it is their responsibility to also be in favor of the solution. That's a basic value in rational discourse/dialectic.