Unless your (kid's) care is denied because it's a pre-existing condition. Or for some other pretext.
However, because more people are getting more healthcare, like my son, premiums are higher. Which, as I explained, are not premiums, but rather taxes. So OldSchool is comparing a $300 per month premium with benefit maximums to $3,000 per month taxes, which are not comparable.
And it’s not the insurance companies that cause the $3,000 premiums, it’s the medicine manufacturers and hospitals and doctors. My son is on medication that costs $80k per dose, and each infusion visit is $10k at least. And, of course, the legal liability each step of the way.