To give you some perspective: I work in a family small business (less than 10 employees) I pay $780 a month for health insurance. I also have a $1800 out of pocket deductible I have to pay before my insurance starts paying. My co-payments at doctors are $50 each time I go. Right before I worked for my family I went on an affordable care plan for a few months. I had always worked for large corporations which provided me health care where a portion was deducted from my salary. This was generally considered excellent health care. I picked the top-tier one which was $700 a month because when I looked at the cheaper plans $300 a month they had greater out of pocket costs up front. I always worry about getting sick so my logic was this will be hard financially but I'm scared to be sick and not have the best quality care around. While under that plan, I went to a doctor for a sprained ankle. When I looked up doctors taking my insurance, the network was very small. When I got to my appointment there was no place to sit. It looked like a third world country. Tons of disabled people waiting literally 4 hours to see the doctor. I was lucky because I knew the difference between private health care and "affordable care" and I saw how these sick people were taken advantage of. They thought this was normal as can be. Imagine waiting 4 hours to see a doctor. When I finally got into the office I said what was the long wait time? Is this normal? The nurse explained to me that the doctor is very thorough and takes him time with patients. I asked then, how often do you book appointments? Every 15 minutes she said. Basically the doctor has to over book his schedule, see as many patients he can because he's not getting paid a lot for them she said and he runs behind because he spends more than 15 min with them.