LMAO...did you even read the plan in that link? That is a limited pay garbage policy...it in no way meets the ACA standards and would not satisfy the requirements of comprehensive coverage through the exchange. http://www.flexhealthpro.com/compare-plans Hospital 30 days max a year ICU 5 days max per year ER 1 per year with the best plan offering $250 benefit...WOW AND ON AND ON.................