I agree, and I personally have postponed doctor visits/treatment due to the out-of-pocket cost I would have, not willing to spend it if I can wait it out to recover.
I keep thinking that, at some point, the utilization will be low enough to bring the costs and/or deductibles back down a little, but probably for those who are getting free insurance and subsidized out-of-pocket costs, they are over-utilizing, which offsets those of us who use the coverage for catastrophic care mainly.
My brother in law is a doctor and owns a chain of urgent care clinics and since obamacare his business is booming. No one can afford to go to their doctor or hospital with their deductibles. So people with normal run of the mill ailments come to an urgent care, pay $50 and walk out treated or with a prescription. He takes no insurance whatsoever but will give you paperwork to file with your own insurance company if you desire to keep costs down.
Since he runs his own company he has to buy his own insurance and for his family he pays $700+ a month premiums and has a $7000 deductible for each family member. He can afford it but essentially unless there is a major medical issue he would be out over $15K before his insurance pays one cent for one family member.
Basic income distribution.