Yes, that is why health care is so low. Insurance wants the most profite possible. They want you to pay $15,000 a year premium, plus $4000+ a year in co-insurance or deductable, and then pay the smallest amount possible for care. So that doctor bill of $137 they will only pay $13 and you pay the rest.... while some CEO goes sits on his yatch and eats steak and lobster encrusted with gold.