You're right. It's a major problem and it needs to stop. It's a problem when the health insurance company that you're making monthly payments to makes you pay for it all and only covers 20 dollars of it. I just paid off $3,300.00 in medical bills 2 months ago. As a result. I've refused to go through any health insurance company for 9 years because it's pulling teeth to get them to cover any of it. They just want your money. They don't want to cover your medical bills. It's like paying someone to do nothing. I refuse to do that. I might as well pay it myself.