[loganwedwards]

I can't agree more. I also went the self employed route just after ACA went into effect and the level of stress this entire process causes every year is mind boggling. To add insult to injury, my premiums are increasing at astonishing rates - orders of magnitude more than a typical standard of living salary increase.

[tvjunky]

I agree with everything here, except the implication that this is only related to the self employed or ACA. Health Insurance companies have been pushing these high deducible + HSA plans for 15 years. They also raised the cost of the older less complicated PPO types plans. This has pushed even the biggest companies to "encourage" employees to "take control of their health care". Oh and each year, the definition of "high" keeps getting bumped. 10 years ago deductibles were $1500.