There are two ways to pick a health insurance plan the cost of the plan and what it covers.  'Cadillac Plans' are picked based on a dollar amount of cost (originally proposed at 14,000) All the plans that cost less than that amount had a variety of features to allow them to be beneath that threshold like caps, preexisting conditions etc.  The ACA pushed up the 'required coverages' of any allowed plan to basically meet the threshold of cost that defines a Cadillac plan.  The fact that you are trying to obfuscate this very easy to see and very simple fact tells us a lot about you.