Health Insurance is so frustrating!

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I am thankful to have a job that provides me with the option of health insurance even though I don't work a full 40-hour week anymore! A portion of my paycheck gets deducted to cover this expense, and I am free to use it for my prescription medicine, doctor's visits, etc. In the USA, having health insurance is really important since without it, medicine and doctor's visits range from $100 to thousands! My monthly prescription for a disorder I was diagnosed with 9 years ago costs $155 without insurance (this is for four tiny, generic pills)! A simple doctor's visit costs at least $90--urgent care and emergency room care in the hundreds! But even with insurance, I have to pay. First, I have to pay the co-pay. For those four pills, this is $30 a month. For a doctor's visit, this is $15. That would be okay if this expense is finished, but after the doctor's visit, I am afraid of the mailbox for the next few weeks. I then receive bills of what the insurance company decided NOT to cover which I will have to pay out of pocket! I am thankful that I only have a few health problems. I exercise regularly, eat healthy food, maintain a decent weight, don't smoke, etc. I can't imagine if I didn't do these things and had serious health conditions! I am really hoping that Obamacare will help drive down the cost of healthcare in America. It's simply too much for anyone to afford! Most people I know are afraid of getting sick. The only people I know who go to the doctor regularly are on Medicare or Medicaid. How does healthcare work for you? Do you have to use insurance?