Zero out of pocket seems like a silly line in the sand. Why wouldn't you care about out-of-pocket max? The only reason I can see about a well-paid professional

Zero out of pocket seems like a silly line in the sand. Why wouldn't you care about out-of-pocket max? The only reason I can see about a well-paid professional caring about $20 co-pays is because of a psychological aversion to being paid for healthcare. (Not saying this feeling is necessarily wrong. Humans may have evolved a feeling that their community should take care of the sick and injured. Demanding more for this act, I think makes a lot of people feel tawdry and icky, in a similar way to paying for sex. Still this is a psychological, not an economic argument.) Imagine, that you insisted on car insurance that covered every oil change and car wash starting at dollar zero. It'd probably be astronomically expensive.