The other California insurance companies who agreed to be in the ObamaCare exchanges are modifying their policies to only allow access to the worst doctors in their networks. The ObamaCare exchange doctors most likely won’t even be able to speak English.
I had Kaiser for years. My Dr. was very pleasant but let me know that logic didn’t supersede guidelines. Kaiser was very much for ACA, but they are charging more on the exchange.
..and you’ll need to provide the desk clerk with information on your annual income, because the co-pay is determined by it. Whether it’ll be a direct question or coded on your card, I haven’t learned yet.