I live in Arizona. My employer only offers high deductible health plans with a pre-tax health savings account. So, I pay ~350 USD per month for the plan to cover my wife and I. Then I also contribute to this health savings account, my employer kicks nothing in. For this, we get basic vision and dental completely covered. That is, routine checkups, cleanings, basic prescription eyewear. Everything is else is subject to a high deductible, ~10,000 USD. The insurance covers something like 20% of certain kinds of expenses until we hit the deductible, then it covers 80-100%, per year.

A few weeks ago I had an asthma attack and went to see a doctor. The office refused to tell me in advance what I would be charged, or even what my insurance would be charged. I ended up being charged $200 after insurance, and then an additional $100 for prescriptions.

Because I had not previously selected a primary care physician, it was difficult to see a doctor in a reasonable amount of time. The doctor I did find gave wrong instructions for one of the prescriptions, and forgot to call or even write down the other.