The company I work for is self-insured and I now have a $3,000 deductible for my insurance. They also made some other changes for 2015 that will mean AFLAC-type insurance that I will have to pay for.
Even big companies today effectively have what was called 20 years ago “catastrophic” insurance, except that you can get all kinds of preventive “wellness” crap that you may not need or want.
Meanwhile, you go to the doctor for one of those wellness checkups, and they will work extraordinarily hard to turn your low-profit wellness visit into a higher-profit regular visit.