Hubby has no deductible on his just copayments for everything. It is retirees insurance through his employer but he pays for the whole thing. Mine is separate private insurance and I have a $150 per year deductible plus copayments.
Well at least you have that. Some of the deductibles are so high on the lower end plans on the exchanges that most people still don’t go to the doctor. Kinda like catastrophic plans except you have to pay for everyone else’s maternity care and their contraceptives.