You said it yourself. Co-pays, and deductibles.

You’re right. Imagine yourself or a dependent having complicated medical issues. Well actually, don’t imagine it. It’s a nightmare. Worst part of the illness is dealing with the insurance no doubt.

You seem oblivious to the realities of most insurance plans in the US.

Thank you for providing some reason. I’m glad the person you’re replying to has never had crappy insurance before. This bill is completely within the US standards especially with a high deductible plan.