Every area of California is controlled by various healthcare monopolies. In Sacramento, it's Sutter Health. In San Diego, it's Perlman. In Bay Area, you have Kaiser. We have no choice or free market. You either pay them or you don't have access to decent reliable health care. I am honestly starting to think about just not having health care and going to Mexico/Canada when I need something--and we make well into the top 10% for wages. I don't know how others can pay for healthcare and all the premiums. I just paid like $300 for a minor skin care treatment at a dermatologist that I had to wait weeks for an appointment with. It's a clear racket. Oh and despite all this, none of the local speech therapists are in-network so we have to submit individual claims and they don't pay the full amount. It's a scam.