I agree with just about everything you said. Now let's get the government out of insurance and let them compete for business and start negotiating directly with our providers for the small things. We have the ability to do our own thing. If we want to go out on our own and take that risk we can. If we want to live under the dependence of another we can. But we have choices. You seem to agree that the small stuff has no business being covered by a third party. I don't know of many policies that do not cover the big stuff. Sure there may be a deductible but if you want more than your employer is providing and it is worth spending the money on the product...fire away or find an employer that will provide what you want.