Hacker News Reader

I thought this was one of the things the ACA was supposed to prevent, with out-of-pocket maximums?

ACA out-of-pocket maximums don't apply to grandfathered plans; the plan at issue may be a granfathered one.

out of max doesnt apply to balance bills since it is not insurance's responsibility.

Then what's the point of an out of pocket max? Shouldn't it make the bill the insurer's responsibility?