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my bills keep going up, and i haven't done a thing to cause that.
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And, that is exactly why the ACA exists. It's mostly consumer protections. To stop insurance companies from gouging their clients for profit. While they are making record profit.
The insurance companies will gouge you for all they can, until the ACA provisions kick in to stop it.
Just like the credit card companies gouged their clients for all they could, before those consumer protections kicked in.