I have to laugh. I see tons of patients with “insurance” and the comment on their chart is “deductible not met”. That means pay out of pocket, i.e. same as no insurance. OR patients who’s coverage isn’t taken by anyone in town. The only people who “love” their Obama care are the Medicaid freeloaders, and the folks with hefty subsidies on their premiums (also freeloaders), although most of them don’t realize they have zilch until that deductible is met....
The whole thing is ridiculous if you ask me. If the deductible is not met, then why have insurance. People are better of paying out of their own pocket.
In my experience, insurance with deductible not met is far different than no insurance. In the former case a $1500 charge for a procedure is reduced to $100 (for example). In the latter case, it is $1500 - period.