What percentage of that insurance doesn't involve arcane rules about what's covered? My parents recently learned, following my dad's heart attack, that our town's ambulance was considered "out of network" and told they should have shopped around first. I had the pleasure of overhearing this conversation. Combined with the fact that many rural and suburban folk can't afford a $20 copay for a regular checkup let alone thousands of dollars for their deductibles, I put little confidence in that 90% coverage.