We have very expensive private insurance for now but I checked the CoveredCa exchange and what they came up with was very close to what you just explained. We would have to pay over 1/3 of our income in premiums, deductibles, and out of pocket every year for a health crisis. No way that’s affordable.
“We would have to pay over 1/3 of our income in premiums, deductibles, and out of pocket every year for a health crisis. No way that’s affordable.”
The ACA is simply an extremely inefficient wealth transfer scheme.