80-20 why has it changed so much?
Answer:
Doctors fees have pretty much stayed flat - but people are getting new and expensive tests, and more expensive treatments, and diagnostic machines are VERY expensive. Malpractice insurance that the doctors have to pay is about 5X what it was 5 years ago (thank all the people that sue, even when the docs don't do anything wrong, AND the lawyers that encourage them).
People are living longer, taking worse care of themselves (obesity & type II diabetes is on the rise) and expecting medicine to "fix" them, taking more maintenance drugs, etc.
Costs to the employers have skyrocketed - having the consumer (ie, employee) pay out of pocket some of the costs MIGHT help keep medical costs down, but all the medicare/medicaid people are going to keep driving prices up. Along with the lawyers.
You might pay 3x what you paid ten years ago in out of pocket expenses, but your employer is paying about 10X what THEY were paying 10 years ago.
So what can you do ?
Because healthcare costs have skyrocketted and the higher copays represent your share of the increased costs.
Insurance cost is going up for many of us, unfortunately. It also depends on your company's contract with the care provider.
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