I'm an entrepreneur with a wife and son. I'm 23. We pay $360/mo for individual insurance and it is pretty crappy. The deductible is high and there are several "

I'm an entrepreneur with a wife and son. I'm 23. We pay $360/mo for individual insurance and it is pretty crappy. The deductible is high and there are several "up-front" visits, which means the first X times we go to the doctor the insurance pays nothing and deducts one of our up-front visits. Each of us have X of these, so the first X times wife goes in, and then the same for me, they are not taken from the same pool. This accumulates to several hundred dollars of visits before insurance pays for anything, and then we still have the deductible to churn through, and they've applied regular visits to that as well. We're struggling to make ends meet here; our clients are good and we're trying to build a steadier base, but the pay is irregular and sometimes we have trouble meeting monthly obligations. They make it such a hassle to do anything and they rip us off so hard (providers and insurers alike) that we usually just don't pay our medical bills except what we have to pay up-front. It's too much crap to deal with, the insurance always makes up a reason not to cover things, and it's absurdly expensive. Every time we have tried to pay the people have come back saying we'd owe literally 10x more than they we were originally told we would owe. It's just not worth the headache or the hassle, much easier to silence unrecognized numbers from bill collectors and let their corrupt and evil system rot in on itself. We don't really have the option of not getting health care and dying, we don't go to the doctor for fun, we only go when we have to.