“Pound away at the: deductibles & out-of-pocket...”
And, dental and vision.
Many current plans have provisions for those. Usually not much, but every little bit helps with teeth and eyes.
Yearly deductibles of around $5000 before any coverage kicks in, and co-pays from 10% - 40% after that for covered services.
The lowest priced plan, bronze, has a $5000 deductible and co-pays of 40%!
It might only cost a 27 yr old $130 a month, but they couldn’t afford to use it!
What would it cost that person for a $10,000 broken leg?
$130 x 12 months = $1560
yearly deductible $5000
Total $6560
But you can’t forget the 40% co-pay on your share of the remaining $5000 on the bill after you paid your $5000 yearly deductible.
That is another $2000 for a grand total of $8560 on that $10,000 doctor bill.
Since chances are you won’t be breaking a leg every year, one would have to be a dimwit to buy that insurance.
Not if they cost as much as a Ferrari.