Two other features no one noticed: #1, most Americans are not signing up, and #2, the ACA benefits don’t kick in until the deductible is paid....just like private health insurance.
Certain higher-tier plans waive the deductible for particular classes of benefits -- i.e. PCP office visits and out-patient Rx drugs most typically. Again, as you say, this is just like private health insurance, so hardly worth discussing.