I hear ya.
I remember when you could go to the doctor, be treated, pay your bill and leave. And for the big stuff you carried catastrophic insurance.
Then lawyers and politicians decided to screw it all up.
When I first went to work we had health ins. It covered ER visits with a co-pay, in hospital stays with the doc bill covered if you were in the hospital @ 85%. But NO RX’s NO doc visits.
So you didn’t go to the doc’s unless you were truly SICK.