Agreed. Before ACA, I remember the FA's were paying 50 bucks a month and they thought they had insurance but it was horrible. They had like a 10k payout per year with the total insurance lifetime payout of 25k. One ER visit could easily go past 10k and leave them in bankruptcy. So as you say if caps are brought back JO will give you these same options and you will think you have coverage but it won't be much.