Sure. I'm lazy, I care more about being a better programmer than learning the esoteric rules around insurance. I probably could pay less taxes if I managed to L

Sure. I'm lazy, I care more about being a better programmer than learning the esoteric rules around insurance. I probably could pay less taxes if I managed to Learn that, or get better return on my index funds. Or I could add another programming language to my tool belt, or learn more git commands, read a book on management... It's all choices I've gotta make. And I have the privilege of a high paid job and a 15 minute commute. As for what's covered by my insurance, I strongly disagree that this is "clearly explained." It is not, some of it is outright "and other services," most of it is buried in pages of medical terms I don't understand.