All I know is that my health insurance cost increased over 300% in 2017 and my co payments increased as well.  Now when I need medical care I go to a private provider and do not use my insurance because it's more expensive.  For example recently I went to Kaiser for a skin cancer screening, not only did I get billed a $150 as a co - payment, I was not seen by a dermatologist or even a doctor!  Health care in the United States is very broken and way to expensive.