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[dflprincess]

160. The Affordable "Care" Act allows the cap to increase every year

and your insurance carrier will only pick up 100% of what it deems to be "covered" and some policies do not apply copays to the annual out of pocket so a person may be stuck with those even if they hit the max out of pocket (which is often just the deductible).

There is growing evidence that these high deductible, "consumer driven" scams actually cost everyone more money because people who have them and have chronic conditions start avoiding periodic screenings (like A1c tests) and trying to stretch medication so they don't have refill it so often. Improper use of medication and avoiding screenings can only make things worse.

People without a chronic condition may put off seeing the doctor hoping whatever ails them will just go away and waiting longer to attend to something usually winds up costing more.

We will continue to be a country when people - even those with "coverage" are driven to financial ruin by medical bills and where people die before their time because they could not afford timely access to care.