I think you misunderstood my statement. I completely understand that doctors in the US was way to expensive to see for acute issues. However my understanding i

I think you misunderstood my statement. I completely understand that doctors in the US was way to expensive to see for acute issues. However my understanding is that with any ACA-compatible plan, "basic preventative care" (ie, yearly physical/check-up) is no cost out-of-pocket. "They are young and healthy and shouldn't need it" is not a valid excuse to not provide health insurance to those who work for you (in the US).