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https://addons.mozilla.org/en-US/firefox/addon/media-bias-fact-check/
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My wife and I have a deductible of 9,000 - It pretty much means I'll hope a broken toe heals correctly and not see a doctor. . It didnt and now hurts most of the time. I have food and gas money tho.
3300/6600 here. 6000/12000 out of pocket maximum though.
I'm basically dinged for 3300 whenever I need health services other than a yearly physical or an eye exam.
Every january we drop 3300 on meds for my wife and she gets eaten alive with copays for all her specialist visits.
The $1000 deductible plan my employer offers costs $1062/month for family and you still pay $40 per visit as a copay, and the employer is still dropping that $1500/month - so you're effectively paying $30,744 to insure a family of 3 and that's not all-in on expenses. Plus since $1000 is a "low" deductible you don't get to keep basically anything you put into your FSA, unless you know you're gonna use it all. Why medical expenses are ever subject to taxes is beyond me. The whole thing should be single payer... we could probably operate on a third of the budget we have today without giving any worker providing care to patients any kind of pay cut. The middle men (insurance) do very well.
They can only make profits off of something like 20-25% of overall revenue, the rest must be spent on "providing and improving" patient care. Hiring bean counters to make sure you maximize your revenue and reject as many costly applicants as possible is part of the "providing and improving" part, so they spend substantially less than 75% of their revenue on actual treatment.
Good Lord what a dystopian future we live in. I was born in the 70s when the universe was fairly normal and the dream was still something you could achieve. I'm kinda glad I'm old and won't see how bad it will get here.