We've had employer-based insurance for forever. It's always been a bit overpriced in my book, but it had a low deductible and would pay for pretty much everything. Now, for the last two years, we've paid more money and get crap from it. Last year, we had outpatient visits $1500 per person, period, for everything, so I couldn't see a therapist regularly for fear of getting sick. This year, I have a $2500 deductible that has to be paid before they'll pay for anything. I've been seeking help for 2 full years and not closer at all. I will never get the help I need.