"i used to go see this dermatologist twice a week to get light treatments. the doc was cool and told me there wasn't a copay each time i came in. i'd just show up twice a week and be in and out in a few minutes. one day i looked at the EOB and he was billing my insurance company like $160 for each treatment. it didn't matter to me because i didn't pay anything.

it shouldnt really work like that..."


You are saying that having access to healthcare without "paying a penalty" to make it hurt (at least a little) is a problem that needs to be considered.

And I reject that.