$1500 X-rays? $400 deductible? Here in Canada our all inclusive Medicare has it flaws for certain but please get National health and make it work.
It is a $100 deductable vs. $20 at the Dr. office to discourage use of the ER where we(insurance) will end up paying for the services rendered to those who won't or can't pay. It is a way of making me more responsible for my costs, so I don't go to the ER with a stomacheache. I was merely pointing out one reason for outrageous costs.
I have great healthcare, we normally never use the ER system, preferring to use the awesome network of dr.s and medical facilities that we have in our area. Even though I may pay more for my medical than those in Canada, I do NOT want what I have now changed.
At least we din't want to have to wait for 2 weeks for those xrays. I don't want your system of insurance, thanks anyway.
I think one of the big problems was caused by forcing hospitals to treat anybody that comes in regardless of problem and payment ability. That forces them to up prices for everybody to pay for those who can't pay, and everybody knows that so they go to the hospital.
There are fixes that are worse than the problem, and they're trying to make one such fix right now.