For Neill Hurley, the hardest parts of complying with the Patient Protection and Affordable Care Act – the ACA, or Obamacare – have been the decisions taken away from him, such as choosing his own doctor, and the decisions that have been forced upon him.

“We want to make sure our kids’ health is taken care of,” says Hurley, a Katy entrepreneur and tech consultant. “But with the high deductibles we have with the ACA, we’re making the kinds of decisions we didn’t have to make before. When one of my sons has a sniffle, we have to decide whether to pay out of pocket to see a doctor, or try to wait it out. I’m fine making that kind of decision for myself, but when it’s your kid, it’s different.