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Message: <blockquote data-quote="trekrok" data-source="post: 3687810" data-attributes="member: 6668">I agree its broken. And definitely think pricing should be simplified and clear. There's a surgical center here in the city that does procedures for cash. If more did that or at least were up front about the charges, AND everyone had skin in the game, that would be a step forward. The problem is, or one of the problems is, say I was willing to forgo insurance and pay for my own doctor visits and assume the risk of coming out of pocket for a surgery that would cost $8-10k. What do I do about the risk of getting cancer and getting a $500k bill? So I still have to buy coverage. It just boggles my mind that a policy for a healthy family of 4, that pays basically nothing until I'm out of pocket $8700 (at least) cost $16k per year.  That's basically how I would define a catastrophic plan, but it's not priced like it. We need to have the ability to have long term catastrophic insurance coverage that doesn't cost a stupid amount.The system was bad and broken before obamacare, and that just accelerated the decline IMO. Coverage has gotten progressively worse and more expensive. To the point of it being the determining factor of how people make a living. They don't want a middle class.</blockquote>