Did I not post the 85/15 rule explaining that under ACA, the insurance companies have to spend 85% on healthcare (15% on everything else - overhead, advertising, salary, etc). I already explained that it's the mandated 10 essential benefits, taxes and fees that are driving up the price. Sorry, but the premiums are so high that I can only afford the bronze level. Only if my kid needed brain surgery, would I be buying a platinum policy.
And no, before Obamacare we had PPO coverage - could go to pretty much any doctor/hospital.