[honkhonkpants]

Do you think it's possible that your prior policy was one of the garbage plans that got outlawed by ACA? Those are the ones that didn't survive the "you can keep it" claims. Those were plans with uselessly low annual or lifetime limits, too much small print, etc.

[rebootthesystem]

Impossible. Not garbage at all. We had the same policy for about 15 years. It was better than what we have now for three times the money.