Ok lurking DUmpmonkeys....last year I had surgery on my left hand....total cost out of pocket with all tests, drugs etc........just under 100 bucks.....I do like my "Cadillac" health care. 
I've had a total of 3, count 'em 3, back surgeries! The last one they put 6, count 'em 6, screws in my spine and 2 artificial disks. My total out of pocket rests right around 5 grand. Total bill.........1/2 a mil!
Ya gets whats ya pay for when it comes to insurance! You want Gubmint insurance? They're talkin' 8 thou a frikkin year!