That's easy to answer, prescription drugs.

Count yourselves lucky you don't have a need for expensive drugs, or ongoing costs for a chronic disease. Rerun your math accounting for prescriptions totalling $4000-$10000 per month, and I'd bet you'd come to different conclusions than assuming anyone paying for the A or B plan is doing so foolishly.

Even in the high deductible plan, 50% copay capped at $300 per drug can mean $1500 or more per month out of pocket when you get 5 or 6 scripts per month. I pay $10 each on the B plan.

Those plans aren't for everyone, and they shouldn't be, but comments implying they don't have a time and place clearly shows your narrow minded view of what other people are dealing with in their lives.

I'd love to not have to pay for the B plan, but at the same time, there is comfort in knowing my daughter's care will NEVER be decided by the cost of that care.