Network restrictions are dumb, but copays and deductibles serve a purpose. Healthcare isn't unlimited, and free services leads to long wait times because people

Network restrictions are dumb, but copays and deductibles serve a purpose. Healthcare isn't unlimited, and free services leads to long wait times because people don't reduce demand (e.g. going to the doctor for a stubbed toe). Certain specialities already have enormous wait times. You're in NY, try seeing a neurologist for a non-emergency. Given that an enormous amount of first appointments are "come back in a month if this is still bothering you" - copays need to exist. Patients have to have "skin in the game" as Andrew Yang would say.