But isn’t that the case with almost any insurance?
You pay over a grand a month for a family plan, barely use it, and then get billed again just to see your regular doctor. Wtf is the point of that?
My insurance premiums doubled after Obamacare was implemented
The best healthcare plan I ever had was a HSA plan that had low premiums and you put in extra money that went into a savings plan (tax free) that you used to pay for medications and office visits. Usually the employer matches that money you put into it. My premium was only around $100 per month and I'd put around $300 extra for the savings plan and my employer would match it.
My company back then (around 2001-2008) offered HSA's and I jumped on it since I never go to the doctor. My savings plan grew to several thousand dollars quickly. You can also use it at pharmacies to buy OTC medications. My company also showed us how to shop around online pharmacies for generics instead of going through CVS. Then use your card to pay any medications you needed.
People don't realize that typical office visits only cost around $100 if you just pay cash instead of insurance. So that Co-pay means you're paying $25-$30 dollars with insurance covering the rest. But the savings in your monthly premiums more than offsets that... unless you're the kind of person who's habitually in the doctors office.
The problem is that most of the people didn't understand how HSA's were supposed to work. They hated paying "cash price" for stuff. They wanted the discounts for the full insurance plans, even if that meant they were paying through the nose for it. And they're actually getting screwed in the end through higher premiums.
And in case you had a severe issue, the HSA plan kicks in after it's deductible amounts... I think it was $5,000. Then it acted like a normal insurance plan. Which is what anyone has to deal with any insurance plan during any major procedure. However, you're paying your deductable with pre-tax money, which means you're saving around 20%-30% if you're paying your deductible with taxed money.
lol... Add insurance to another topic everyone needs, but no one teaches in Grade School or College