It's insane the number of people with employer-coverage who don't realize how the ACA is benefiting them, despite not being on the exchanges. Every consumer regulation in the ACA applies to all insurance regardless of how it's purchased.
So I pay for my own insurance like you Bob Of course I have had employer-coverage in the past People just don't care to talk about this subject because from their view it's all good. Even with employer-insurance if you get in a serious medical condition you will see how bad it is
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Many employer-based policies are basically catastrophic coverage only. I too have been covered to have one visit a year only. One could never get to the deductible and so put off going for anything except the routine once a year visit.
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