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No, the monthly premium on your Obamacare coverage does NOT cover your deductible and copayments. You’re still on the hook for those bills. Apparently, that reality comes as a shock to many of the newly insured. And apparently, that reaction was unexpected by the drafters of the ACA as well as HHS, the state exchanges, and various organizations involved in the implementation of Obamacare. So, many of the previously uninsured, intended as the chief beneficiaries of the ACA, are feeling disillusioned, even jilted, by the terms of their coverage. As if the poor risk profile of enrollees weren’t bad enough, and amid continuing doubts about whether those purchasing coverage under Obamacare are actually paying their premia, the confusion among this constituency is a bad omen for the sustainability of the program.