I would also like to rant about the scam that is the medical insurance industry. Just for simple shit it is almost impossible to price something accurately so that you can prepare financially. Let alone the major, planned items.
My first son was born in 2017. My wife is super diligent and responsible with money. Much more so than I am and I consider myself pretty responsible. So for 6 months before the birth she was constantly calling our planned provider and insurance who kept sending us back and forth between each other trying to get a cost figured out. The provider and hospital said what we would be charged depends on the rates they have with the insurance and they couldn't tell us those rates directly. The insurance couldn't either and they said their rates that they contribute depend on how much the provider charges. And that didn't count anything outside of the birth itself--everything from medicines administered to epidural (which they also couldn't give us a price on) all of which could vary in rates based on the rates of each other. So, the birth comes, no complications, no extended hospital stays, nothing of the sort. Thank god. I get the bill: $4500 was our share. I was paying $390/mo for our health insurance. This all while I was making $20k less per year than I am now. I was able to pay that off in two years, thankfully.
My wife is pregnant again and she is due in June (another boy). I am now on a HDHP with an HSA. So I know the share I'm going to be paying will be higher than $4500. That is the only absolute knowledge that I have: It will be greater than $4500 because I'm on a health plan that covers less of a percentage. But we still can't get any firm info from anybody on how much we're going to be paying when all is said and done. Burn it all the fuck down.
Another fun story: A cinder block crushed my big toe over the summer while I was doing some yard work and getting rid of junk from the previous owners in our backyard. It was the single greatest pain I had ever experienced in my life. So while I'm writhing in pain I'm also going online to my insurance's website to find a provider that's in-network. Couldn't handle the pain so I just looked for an urgent care that was in-network instead of looking for a podiatrist. The nearest one was closed. The next nearest one was too. So I had to drive to the only one that was open on a weekend that was in-network. Which was half an hour away. With a broken and bleeding toe. It gets taken care of. A few weeks later I have to remove the toenail. I decided to do that on my own. That was fun/gross. I decided to make an appointment with a podiatrist to make sure there was no infection and that I was going to heal up okay. Again I can't get any pricing info. So I just go to the one that the insurance site says is the cheapest (on a scale of one to four dollar signs they ranked it as 1.5). The doctor checks out my foot. "No infection. It should heal up fine. Here's a bandaid." A week later a bill in the mail for $150. For what in my opinion was preventative treatment.
I shouldn't have to weigh heavy financial decisions when I'm writhing in pain and can't even see straight. Nobody, and I mean absolutely nobody who is financially responsible "loves" their medical insurance. Burn it all the fuck down.