I don't have health insurance. I have a health share program that is setup similar to health insurance. Pricing is negotiated with doctors. I pay my out-of-pocket costs to my limit, and then they pick up everything over and above my out of pocket maximum, just like insurance. The annual coverage limit is $1M per person on my plan.

So lets review. Your plan (if bought through the exchange) for a family of three costs roughly $1250 a month and you have a $10,500 family deductible. So you pay $15,000 in premiums and another $10,500 in an incident. Your total cost for that year is capped at $25,500. That too high for most Americans.

Mine is $5400 in monthly health share costs and $1500 deductible. Max is $6,900. Much more manageable. I guess that is what happens when you remove the profit margin.

I wish I had the money to waste on an expensive semi-useless health insurance, but i'd rather put that extra $18,600 in my bank account than Premera's.