Perna that is the old definition of insurance. They no longer spread the risk that way, they replaced that with these high deductible plans.
My "plan" isn't even called an insurance plan, just a "plan". It is with a major insurance company.

I disagree with the high deductible idea sold to us as reasonable.
Having quality insurance gave me peace of mind.
Then with no warning, it gets changed from an HMO to a high decuctible plan. Suddenly I had the equivalent of a $3000 pay cut. I know, only if I use it.
But I have to have it on hand, so it is the same as a pay cut.
Maybe $3000 for a deductible doesn't sound like much to some, but when it's more than 10% of your income, it is a lot of money.
We were told what a great thing this is, to pay huge out of pocket expenses, to be punished if we become ill as if it is our fault. Meanwhile, the insurance companies continue to make money with this... interesting.
I would rather pay for peace of mind.

I fear this is only the beginning unless the new administration actually does something to restructure the insurance industry and turn it back into Insurance and Health Care instead of just a cold contract called a "plan" with the accompanying Health Savings Account that the insurance company has created banks for handling.

These plans, along with the frivolous lawsuits, are going to diminish our health care as fewer people being able to afford to get the services they need will create (is creating) a ripple effect. The providers of services are making cuts in personnel and services. Down the road when we need something done, those services may not be readily available.

Sorry for the rant.
I just hope they do something soon. We all need good healthcare!