Let’s think about this. Obamacare drafters focused on premiums as the vehicle to make health care affordable. At the same time they sought to punish generous (by their definition) employer plans by imposing a so-called Cadillac tax of 40% on what they deemed excess value.
Within Obamacare exchanges insurance companies responded to the pressure for lower premiums by introducing higher deductible plans.
Employers, who had no intention of paying the poorly conceived 40% tax, did the same.
Now patients face high deductibles and these same politicians are screaming about the unaffordability of health care because of out-of-pocket costs and yet there are those who still adhere to the myth that Obamacare somehow lowered health care costs. 🙄