I'm in the same boat. My insurance premium changed this year to $950 a month. We have 3 younger kids and are all healthy. I would be paying almost $12,000k a

I'm in the same boat. My insurance premium changed this year to $950 a month. We have 3 younger kids and are all healthy. I would be paying almost $12,000k a year for the privilege of being able to pay "less" after the deductible is met. Paying around ~$120 for an office visit is so much less than premium + copay, and like you said a lot of services prices change once they know you don't have insurance. I wish health insurance were more like car insurance (accidental coverage, not maintenance) and I think we wouldn't have the same convoluted pricing we have now.