If you sat down with most people....I think roughly half of the negative folks would center on the deductible business. Most people from five to ten years ago remember when their deductible was 1,500 to 3,000 dollars. Today, I think the majority are working with 6,000 dollars.
If you make less than $50,000 a year....this $6,000 deductible is a big deal. So you try to talk the kids into getting by and convince the wife her ailments aren’t bad....but once you cross the $5,000 range in money spent....well, it’s hog-heaven and just ‘go-for-it’.
“Today, I think the majority are working with 6,000 dollars.”
This is the result of using medicine as a social engineering tool.
This is why many people are not buying the insurance and just paying the tax penalty. It's cheaper that way.
It's worse than that.
After the deductible is met, unlimited co-pays can be too expensive for a lot of folks.
You might meet your $6k deductible toward the end of a calendar year, and have to start all over again at zero on January 1st. A $6k deductible can become a $12k deductible in a short period of time.
Some health-care expenses might not be covered. (death panels, etc.)
Some doctors or hospitals may not accept your insurance. If you are traveling and you need medical attention, you may unwillingly become a cash-and-carry patient.
You can also be told up-front that your insurance will pay, and then find out afterward that they won't pay (for whatever reason).
A lot of folks are simply afraid to even approach the subject; so they put off going to the Doctor until it's an emergency.