I have to pay out of pocket $12k before my insurance begins to kick in to pay. With me having to co-pay until it hits an additional $4k out of my pocket. Then I pay $5400 over the course of a year for that privilege in premiums. In other words if I got real sick in a given year I'd be in it for over $20k before insurance paid 100% (I do have a 12k accident insurance coverage with the plan).
I'm using that as a backstop as catastrophic insurance but it is ridiculously expensive. If I wanted more service other than arguably price contol, I'd have to pay a lot more. I'm healthy. Obamacare screws me royally and it was worse under Obama's term.