I currently have a high deductible health care plan because it is all that is offered by my wife's employer. The deductible is $4,500 per year. If we just have

I currently have a high deductible health care plan because it is all that is offered by my wife's employer. The deductible is $4,500 per year. If we just have normal well checkups, normal dental cleanings, normal eye glasses, and a few recurring prescriptions we would never hit the $4,500 deductible. It is insane going to the pharmacy and having them tell you that the cost is $180 per month and have no choice but to pay it. I went for a normal diabetes check and the lab work was over $600. No choice but to pay it. I needed new glasses and no choice but to pay the $150 eye exam and then many hundreds of dollars for new frames and lenses (and I had no choice to get new frames or be without my glasses completely for 1-2 weeks). To make it worse, we don't have any other choice of plan.