Matt’s right
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Insurance was damaged before ACA. It’s a complete clusterfuck, now.
I spend 30 minutes a week explaining that Loudoun Medical Group is only the billing department for ********* Family Medical. And as ********* Family Medical is our PCP and in network, our only cost for the visit in September is our copay, and not the $800 they are trying to charge for out-of-network. Once I get it settled, I get the same call the following week.
My insurance was okay in 2007. Not great, but a helluva lot better and cheaper than it is today. You will have a damn hard time to convince many of us that things are better now.
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Statistically, it may have bent the curve.
High deductibles and denial of service can do that.