I work for one of the largest healthcare providers in the US. I pay $450/mo for health insurance. This is not including vision, dental, or money I set aside for FSA (a pre-tax savings account restricted for use for paying for healthcare) and for and HRA (similar to FSA, but intended for when you’re older, and our company partially matches our contributions). The FSA has been refusing to pay for legitimate doctor visits that insurance has sanctioned. I pay out of pocket for a lot of procedures that the insurance ducks, such as laser eye surgery, vasectomy or even for birth control pills prior to the vasectomy.

The laser eye surgery was ~$5,000 out of pocket, the vasectomy was ~$2,000.

I had a visit to the ER - I was driven by my partner to avoid ambulance costs, and with insurance, had to pay $450 only for the doctors to stay they couldn’t figure out what was wrong and I end back up there later that week for another $450.

I was in a car crash a few years ago and my medical costs (again, with insurance) came out to ~$250,000.

This is while making $85,000/yr working as a Senior IT Engineer, and paying $2,700/mo for rent.

Generally speaking, with insurance, we’re probably paying about twice as much for any given situation, but insurance itself is also expensive and likes to dodge paying for as much as possible.

Thank goodness they don’t have any more important or pressing issues going on at the moment

Especially in a paid service, like why do I pay for these services if you’re still going to advertise, track, or datamine? I know the answer is greed, why profit off of one option when you can profit off of all of them, but I, the consumer, am fed up with the customer abuse.