which was the subject of my post
The ACA tax on “Cadilac plans” applied only to employer sponsored health insurance plans:
AI Overview
No, insurers did not offer "Cadillac plans" for the individual market
. The term and its associated tax were exclusively related to expensive employer sponsored health insurance plans.
The "Cadillac tax" was a provision of the Affordable Care Act (ACA) intended to curb rising health care costs, not a plan offered to consumers. The tax was never implemented and was fully repealed in 20
And while I of course cannot comment on your particular plan I think you guessing – and guessing wrong- when you say your plan had no caps. If in fact you are right you would have a rare plan since most employer sponsored plans DID have caps:
“Yes, before the Affordable Care Act (ACA) was fully implemented, employer-sponsored health insurance plans often had annual dollar limits, and it was common for insurers to restrict the amount they would pay out for medical expenses in a given year or during the entire time of enrollment. The ACA changed this by prohibiting annual and lifetime limits on coverage for essential health benefits, starting in 2014.
Before the ACA:
• Annual Dollar Limits:
Many employer-sponsored plans would limit the total dollar amount of benefits an individual could receive in a single year.
• Lifetime Limits:
These annual limits could be supplemented by lifetime limits, preventing a plan from paying out beyond a certain dollar amount over the course of the entire enrollment period."
Union health care plans were subject to most ACA requirements including essential benefits. And most employer health plans DID charge more for preexisting conditions:
"Before the Affordable Care Act (ACA) in 2010, employer health plans often treated pre-existing conditions by denying coverage, charging higher premiums, excluding benefits for the condition, or imposing waiting periods before coverage for the condition began."
Hey I dIdn’t like the network requirement either and yes I had to change doctors. But that is a small price to pay for what you get under the ACA for individual plans. Sorry Dude the facts are not on your side here.