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In contrast, in a short-term limited duration plan that does not have to conform to ACA standards, the patient paid $51,660 out-of-pocket.

So you just need to be lucky to have an employer that won't fire you if you get sick right?

There is no need for a short-term limited duration plan under the ACA, because losing your job is a qualifying event that allows you to enroll in the ACA exchange or Medicaid (depending on our financial situation) and that can't be denied due to pre-existing conditions.

We've had the ACA for a decade now, you can't just pretend it never happened.

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