health care and health ins.

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when you think of health care & health ins. what do you expect? we had to get private ins. we pay 357. a month for crappy ins. in my opinion. the ins. is for my husband and a 1 yr old, of course me. i can take my child if she is sick to the doctor 2 times in a three month period, as for us we can only go 1 times. i have a wellness clause in my policy for my daughters shots and wellness visit. alls i'm suppose to pay is my co pay which is 30. i was billed a separate 145.00 for the visit that my ins. won't pay i have to pay it i found out that the our daughter in for her shots she was behind so she did get 8 at one time, so for the the wellness visit and for the doctor visit was 1,000 dollars. what are they thinking when they charge this not of money just for shots. i've called my ins. co about the 145. i was billed for and they said i have to pay. why am i paying 357 s month for ins if i have to pay extra when i go to the doctor. then there is that deductible we have to pay. i picked the 5000 deductible, i thought it was for the whole family boy was i wrong it is for each person. 15,000 in deductibles is that ridiculuos or what, who can afford that unless you are rich. do you have health ins. or not? do you think that are health care is gonna change for the better