here in US the medical insurance market is very complicated and really not understood at all by most Americans. so the lowest cost plans that have zero or minimal copay for normal physicians visits but really heavy copays and deductibles for the expensive things like hospital care are often chosen and popular due to the low monthly cost and most visible cost advantages of usual care. then something big comes along and they find out for the first time why their coverage plan was only $75/month instead of $750 a month. the system is designed for complexity specifically for the purpose of confusing the customer and profiting the insurance companies.
MSB Trading 2021 - paradigm shift, page-156
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