Paying health insurance premiums just annoys the hell out of me. I think it's because I take care of myself from a diet and exercise standpoint. My wife and I went without health insurance for a couple of years because the premiums were getting up there in the $800 per month range for just me and her, which just seems absurd. My wife started getting spooked out about the whole thing though because when she told her friends we didn't have any health insurance, they instantly started feeding her with the "what if" scenarios that could happen. She recently started a new career as a loan officer and opted to get us health insurance through the company she works for, but yet again, they are deducting $400 from her check every two weeks for the privilege of having health insurance. So recently she goes to her OB-GYN for a checkup. Now before in years past when we had no insurance, her checkup was about $170, which we paid out of pocket. So she went in for a checkup the other day with her almighty insurance card in hand, and all tests came back fine. A week later we get a bill in the mail from the insurance company for about $170, which represented our 20% of the bill. So I look at the bill and lo and behold the exact same services we got before insurance for $170 were billed at $850+ by the OB-GYN to the insurance company. So now we get to pay $170 in addition to the $800 per month in insurance premiums we've been paying. So the whole thing just feels like a racket and a money pit. Your thoughts?