But the whole thing is dumb because with insurer based healthcare, most people have no clue what their total costs for health care are during a total year, nor what their potential costs they would be responsible for.
I bet most very smart people here have no real idea.
Even if they could tell you their monthly premiums, employee match and ball park their out of pocket co pays, there are just a completely insane number of variables--in or out of network, emergency, office visit, Rx, Rx discount, referral, the list of surprise nightmares is long.