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Omg my health insurance is crazy

They just changed my plan here at my work. So now Blue Shield charges me $1350 a month for my family, $1000 deductible. Okay, I thought. Not horrible.

I just went to the doctor for the first time this year. And the person tells me that I don't have a copay, I have coinsurance. Essentially, every time we see a doctor or go to a hospital, we need to pay 25% of the total cost!!! What the hell?!

Hypothetically, if I got pregnant, I'd have to pay 25% of each prenatal visit and 25% of the hospital bill. If anyone got really sick God forbid, I'd have to declare bankruptcy.

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I feel like I can't breathe. I don't know what to do other than never see a doctor again. My kids well baby visits are also 25%! Sorry, kid. No vaccines for you! I'm not even joking, I don't think I can afford my kids 18 month visit.

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