It’s bankruptcy protection. Not crazy about high ACA rates (I pay $635 a month) but without preexisting condition clause I wouldn’t be able to get health insurance without the right full time job anywhere. I pay because I don’t want to go bankrupt but I also pay $45 to $100 copays for visits and $50 to $100 for labs. The system screws over consumers—at every turn. Dental isn’t much better but it’s always been expensive whereas regular US healthcare seems to spiraling into a hell scape.