Preventative Care Subject to Huge Deductible

Hi folks, we are a single-earner family of 6. Ages 49/43/14/12/10/5. I work two jobs and will make around $200k this year (one of my jobs has needed a lot of overtime support this year, which has been great. Ordinarily I would make around $150k).

Anyway, neither of my employers contribute to health insurance cost. One of them offers a few plans for legal compliance, but it's more than my house and car payment combined, with a really high deductible. Trying to find an alternative. I've been reading through prospective plan details, and I'm now seeing PREVENTATIVE care subject to 40% copay AFTER deductible.

If I'm reading this right, this means if I have a $10,000 (or more) deductible and $1,000 per month premium, I will have spent $22,000 before they'll pay one nickel of preventative care – and even then, only 60% of it? That doesn't seem right. I don't think it used to be this way. Didn't preventative care used to be covered 100%? Anyone have any insight as to why this might have changed? At this point, I might as well sock away money and negotiate everything myself.

submitted by /u/Chipsandadrink115
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