If we are swapping anecdotes, my experience is the opposite of yours. I'm paying almost double what I paid 10 years ago, and my deductible is four times higher,

If we are swapping anecdotes, my experience is the opposite of yours. I'm paying almost double what I paid 10 years ago, and my deductible is four times higher, with separate deductibles for drugs, and a smaller network of providers. Along with higher co-pays, and coinsurance now.