Except, over here in downtrodden communist UK (keep an eye on tomorrow's election for us to become ultra-communist under a Tory/SNP/DUP alliance (joke)) guess how much of this rubbish I have to deal with?
1) An occasional fixed reasonable prescription charge, free for my kids.
2) Dentist fees, typically about £20/$30 each six month check-up, for a "scale and polish". Again, free for my kids.
Yeah, it's terrible over here.
As I have often pointed out, I would not be on my 3rd significant start-up if I'd been tried to my first random employer because of a health plan, given one or two exciting health blips over time.
Government is never ever good, ever. Unless it builds Interstates.
Rgds
Damon