Does Your Health Insurance Keep You From Getting Health Care?

I would welcome comments on this observation: I have had conversations with people who either just got health insurance for the first time, or have had changes in their health insurance, and find that after they have paid their monthly premiums they don’t have much left to pay the out-of-pocket costs left to them by their insurance plan.  They stay away from the doctor unless they have a catastrophe first that maxes out the amount they have to pay for health care that year, and only then do they feel they can afford visits for maintenance care and minor illnesses. I want to provide care at a reasonable price that heads off some of the catastrophes.  It’s not as good as waving a wand that keeps my patients from needing my care forever, but it’s the best I can do.

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