I have been self employed the majority of my career. And that whole time, even when I was a twenty something, I paid for health insurance out of pocket. I had my first claim this year. I hurt my back this winter and I went to a physical therapist to recover from it. The therapist really did help me and was glad that I did it. I didn't think my insurance would cover me. And I was right. I have a high deductible traditional insurance plan and an accident only plan to cover some of the gap. I didn't have much faith that the either insurance company would cover me, and they lived up to my expectations. But I figured that going into it and was prepared to pay it out of pocket. I got the bill, I was expecting about $300 an hour, turned out to be $489 an hour after the 20% disconnect for immediate payment. The treatment involved visual assessment and recommendations of therapeutic exercises. No Xrays or other high tech diagnostics. No capitol equipment. I questioned the rate and their response was it's what the state allows them to charge. They are charging me the maximum amount allowed by law. Oh, now I feel better. And as it turned out, my accident insurance denied my claim because it wasn't noted in the diagnosis that the injury was due to an accident.
OK, so I ranted a little. I'll try not to do it again.