You're pointing out one of the many flaws to the ACA. Also even if you meet the deductible, many of the plans still will only pay 60-80% of the bill. Folks using these plans can still face massive medical bills, and it's most iikely the poorer folks will select the cheaper plans with the high deductibles and low co-pay. Oh well, it's not going away, best thing we can do is to fix it and make sure it is adequately funded. I don't want to give the impression that I'm pro-Obama care, it's an unbelievably poorly written, flawed piece of legislation, but unfortunately we're stuck with it.