It's worse than you know. Ins comps design plans with deductibles they know the plan holder can't afford. If the customer can never afford the deductible, they don't get care and the ins comp never has to pay for anything. They just keep the premium. If the plan holder really needs care and goes to the hospital with their insurance, the hospital will provide care and then bill and finance the cost of care. If the patient still can't pay, the hospital writes it off as a loss. To the tune of tens of billions a year. (And they jack up other fees to make up for those losses) You know who smiles the entire time ? The insurance company. They get the cash up front, the hospital gets it last Wanna freak them out and change the game @HawleyMO ? 1. If an ins comp or a subsidiary is fined by the government for any reason, you can't do business or get plans approved by HHS. 1st fine, 1 year. 2nd fine 3 yrs. 3rd fine 5 yrs. 2. If you want to do business with the government or have plans approved by the gov, you have to publicly present your general ledger and every entry you make in It for every subsidiary. Sunlight is the best disinfectant ! If you got nothing to hide, hide nothing !