That's right, it depends on what plan you actually have. Sounds like yours
has lower deductibles. If you have health insurance through employers,
those with a good job with a good employer generally have low deductibles.
Obamacare on the other hand, for those that need it, the deductibles are
like $6K+ a year. It sounds to me similar to what catastrophic coverage
used to be. Also factor in that as of now, the GOP killed the mandate
and there is still coverage for pre-existing conditions. So, who would
buy insurance with high deductiblles? Mostly the sick, who know they will
exceed it. Those that know they won't will mostly go uninsured, figuring
that if they get some condition that will cost a lot, they can then sign
up for Obamacare. That works unless it's some sudden illness that nees
immediate, expensive treatment, since you can only sign up for Obamacare
during periods once a year.