Obama promised that ACA would provide affordable health coverage to all Americans and yet the Exchanges have found several ways to deter the chronically ill from obtaining coverage. One way is to make the drug plans unaffordable. Many exchanges don't even cover critical medications for patients that have HIV, for instance or make the patient pay 50% drug costs that can be over $1000/mo!!! A patient can petition for an exception but could be denied and told to seek alternate treatment methods! Out of pocket costs for an individual at $6350/yr may also discourage many at the low end of income earners, the poor, and of course the homeless dependent on SSI, GA, or other really low income. It appears from all the ACA scandals that Obama doesn't really understand the new Law, the Mandate, and what insurers are doing to make up for lost revenue.