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@avlcharlie it's totally pointless to even have it if they don't pay anything until you hit $9000. That to me is just a catastrophic plan and should only cost $100/month because you will never use it unless something really bad happens. The older you get the more expensive it gets. So people my age and older get super screwed.
@Jennifer @avlcharlie It's absolutely NOT pointless. If you show up needing care and have insurance, they treat you and send you a bill for the cost the insurance didn't cover later. And you ignore the bill until the statute of limitations runs out.
If you show up without insurance they ask you for cash up-front, and send you away when you don't cough it up.
Also, with insurance you're charged a halfway-real cost for treatment. Without insurance, you're charged 3-20x as much.