As a highly paid professional this is bullshit. Most insurance plans in the u.s. are costing more and covering less every year. They have introduced all sorts of fun things make it more brutal. Evaluating a companies insurance plan has become a critical exercise in evaluating any job offer. Some major companies offer shit benefits packages.

Things they have done:

Raised deductables: The insurance basically pays nothing until the deductible is met. In many plans, this is $4,000+. I have seen them as high as $10,000.

Increased out-of-pocket maximums. This is the maximum amount a person can pay in a year. These are important for chronic illnesses or serious accidents etc. it used to be $4000-$8000 in a year. Now I see plans that have $30,000+ as the maximum.

Decreases the percentage they pay. When I started working a most “good” insurance plans would pay 90% of the bill. Now 80% is the standard with many “bad” plans only offering to pay 50 or 60%.

Limit medical networks that they do business with. You want to see a Dr or specialist who is not in your network. You are fucked.

What has the government done? Introduced the HSA plan. Basically you can save money out of you paycheck tax free to pay for all these ballooning costs. The plan just happens to be an investment plan in the stock market with high fees and lots of money for Wall Street.