I have no choice. It is impossible to get a regular ppo self pay insurance policy in Massachusetts that is at all reasonable. The copays are insane. A drug like entresto you pay 250 they pay 50 for a month’s supply. The copays for labs and radiology are crazy. And the premiums horrendously high. Between the deductibles and copays and out of pocket maximums, it is mind altering. But as someone once said “insurance is like the mafia.” You pay them for protection against the chargemaster prices of high healthcare costs.