Irrational? You're angry because they're trying to mislead you into thinking that "insurance" is covering 97% of a large bill. When in reality, they're only covering 60% of a small bill.

See also, protection racket [0]

[0] https://en.wikipedia.org/wiki/Protection_racket

Obfuscating how that process works is a huge problem. It's how they extract lots of value out of the consumer, and why Americans pay more than most socialized medical systems while having on-par or worse outcomes.

Take a look at the list of Fortune 500 companies and notice how many are healthcare related. There is a reason it's never going to get better.