I also don't think that they thought about the people they are counting on to "FEAD THE BEAST" doing research and finding the way out for the first critical year. That would be the healthy regardless of age who had good plans. I can literally opt for a United healthcare plan (well known national company) with a much lower deductable, improve my 70/30 to a 90/10 for less than downgrading my current BCBSNC plan to the lowest BUMCARE BCBSNC plan. I just have to switch before Dec 31. We are on track now to switch for Dec 1st. If I keep my current deuctable 70/30 and max out of pocket I pay no increase in Dec and get about a $30 increase per month for the next year. Sure beats a worse total liability jumping by over 12 grand and paying 6 grand more per year to feed the beast! I really feel for the majority of hard working eople who buy on the private market and do not know the ins and outs of health insurance.