My Dr visits with 'good' insurance have become $200-$400 out of pocket cash and insurance billed anywhere from $400-1600 on the back end.
Pretty sure that if I up it from a bronze to a silver healthcare deal it does drop my deductible but I'm just paying that extra $1500 or $2000/yr up front INTO the policy itself.
Looks like DR's are doing the, I'll take a small pile of cash now, and I'll take a bigger pile of cash later vis a vi insurance. This is my uneducated consumer outsider look.
Between Dentist and Allergy shots I went ~$2k in last month. It's a lean summer which is fine; more bike riding, less b.s.