What about life time caps? That huge in my opinion. I watched for 10 years health care went up a minimum of 10% each year and an average of 15%... some years 20-25%... the first 5 years affordable care act went up about 5% this last one was crazy, but it's an adjustment so the big health insurance companies can make a profit. Why us the USA the only developed country that doesn't enter into discounted agreements nation wide with drug companies, one word, MONEY