Most health insurance comes with a % copayment. Paying 10-20% of the bill is not uncommon, and generally considered pretty good health insurance. Add to that a

Most health insurance comes with a % copayment. Paying 10-20% of the bill is not uncommon, and generally considered pretty good health insurance. Add to that a high deductible -- some families have to pay thousands of dollars out of pocket before health insurance will even start to cover you. If you have a major medical event, you might be on the hook for tens of thousands of dollars.