[henkster]

“That is how insurance has always worked. What insurance hasn’t always paid for is the diddly stuff. Look how much car prices have sent up as warranties got better and better. People used to pay for repairs out of pocket - same with basic medical expenses.”

That’s exactly how it’s supposed to work. When you get the oil changed on your car, you don’t turn in the bill to your auto insurance carrier. It’s a routine cost. Pay it.

[dynoman]

In theory that is the way HC coverage works - even the coverage under ACA. The co-pays and deductible are the little things; The amount of premium you pay in that you don't use year by year covers catastrophic events. This young woman wasn't covered for any catastrophic illness or accident - that is kind of selfish and self-centered of her - especially for a loving kind hearted liberal!