U.S.A., I have a "high deductible PPO" plan, more or less what my parents would have called "Major Medical".

It covers only some preventative care, for $0 out of pocket, whatever is mandated by the government basically so annual wellness, annual woman-care, birth control, one dermatologist visit.

Then nothing, until we spend some ridiculous amount in one year, I think it's $7,000? At which point it starts paying 80% until we have paid an even bigger $, then it pays 100%.

So we don't have healthcare, exactly, we have limited liability for healthcare cost.

Specialist I can just schedule, do not need to be referred by GP. Prescriptions are subject to that same high deductible.

This plan costs, out of my paycheck, kind of a lot for family coverage, and employer puts back some of it onto a "health savings account" that can be used to pay towards the cost. Not anywhere near that $7k but some, and what is not used stays in there. I also put money in that account out of my paycheck to build it up so that when we do eventually have a bad year again, the money will hopefully be there to use.

Yes it's complicated.