Just think how many books I can publish when I’m not paying $870 a month for health insurance and $1,300+ per month in deductibles and out-of-pocket... Just kidding, once that stops the government will just find a new way to get that freed up money.
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Some plans are better than this but that model has become pretty standard since the affordable care act went into effect. You pay the monthly fee plus the entire deductible before they help and then they pay a portion until you meet an even higher bracket.
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So my wife and I had our baby. $3,000 was charged to the mother and $3,000 to the baby to target both deductibles. Those were split between clinic and doctor so we make multiple payments to separate accounts. We also pay 30% of everything that went over those 2 plus all checkups.
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