At my last job we had very good health insurance, and our copays were $5 for Dr. visit, $5 for any medication, and $0 for any tests. It was 100% paid for (dependents too) by our ER. Some people in my office were at the Dr. office almost everyday for any little thing. They would chide me because I only went if I felt I needed it. I bet if they had to actually pay (or at least pay more) for their healthcare they wouldn’t be running up the demand curve and policy price.
And that’s EXACTLY why that isn’t “good” insurance. HSA’s for everybody!