Yes you are correct, been a W2 wage earner with benefits my whole career.
I but I know of a few who do use the catastrophic insurance for/with 4 kids (6 people).
It is all they can afford, and it seems to be OK for them (well so far).
Seriously when I was a Kid I went to the emergency room 2 times (once with broken arm – don’t think we had insurance back then), I never remember my brothers ever going.
(We got our shots at school in those days).
We did not go to the Doc in those days if we had the flu unless it got really really serious. No antibiotics every time type of thing, in fact I never remember getting them until I had a tooth infection when I was a adult.
