Insurance companies have an incentive to get you to spend more money on health care. It's the only legal way they can increase their profits (which are restricted by law AS A PERCENTAGE of payouts, so more payouts = more dollars for them). That makes all the difference. If insurance companies got paid to save money, they would have clamped down on the $50 fee for one aspirin.

Because the cost of insurance is basically unaffordable, I tried switching from health insurance to Crowdhealth this year.

I was nervous at first but it's worked out great. I get the same care I got before, but pay less money. It's a lot easier to afford healthcare when the monthly bill gets reduced by over $1000! Some prescriptions actually cost me less now than when I had insurance.

If you are in a similar situation, I'd highly recommend checking into Crowdhealth. If you go with it and want to save $99/month for the first three months, use my referral code: LOLHAX

Feel free to ask me questions here too.