re: What exactly am I getting out of my health insurance

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It’s infuriating to go from “lower” costs to astronomically high costs out of pocket for the weekly to monthly needs.

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A $4000 deductible per person is considered weekly to monthly needs?

You have it backwards. Insurance covers checkups. Routine. It is literally a $4000 deductible for everything else. And then a copay kicks in.

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We should be a straight cash payment for routine medical bills, like car maintenance. Then have “sick insurance” instead of “health insurance” when you’re in need of that massive payout, like car insurance.

But that’ll never happen

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Again, you are backwards in your analogy.