I have. Procedure totaling about $90k. HDHP covered everything after the first $4k. HSA that company contributes to covered the first $4k. My expense = $0.
>You are then fully aware that you are covered by a gold plated healthcare
My healthcare plan is not gold plated. It's trivial to find a HDCP on the open healthcare exchange with the same $4k deductible. The only atypical thing was that my employer covered the $4k HSA deposit, but paying that $4k does not lead to financial ruin for the vast majority of the middle class.
>and your experience is utterly atypical.
Did you even read the survey I sent you? I think your view has been heavily tainted by political arguments about healthcare, which focus on the minority it doesn't work for. Again, the reason healthcare is so hard to change in the US is because it works for the majority of the population.
>HN guideline prohibit me from saying what I think about people like you.
Consider why you are so emotionally charged about the topic and take a step back. Is there something that deeply upsets you about healthcare not being a failure for more than half of the population?
Let me guess you've never had to use yours for anything major.