More and more it's that the insurance company lets you pay them a premium while you also pay your bills in full. Then if you hit your obscenely high deductible

More and more it's that the insurance company lets you pay them a premium while you also pay your bills in full. Then if you hit your obscenely high deductible they start helping. Then if you hit your out of pocket maximum they cover it fully. At the end of the calendar year, everything resets, though your premium and deductible probably increased by a greater rate than your wage did.