And It's just a story. If my son gets busted for selling drugs, he should go to prison. Me having and expensive lawyer shouldn't matter. If my wife gets cancer, me having an expensive plan won't cure her cancer.

All of our plans offer us the same "level" of care. We just pay for the care in different ways. You want to pay upfront in premiums and maybe not use it, fine. You want to pay for what you actually use, go with a higher deductible. Last I checked the doctors were the same doctors for every plan.