Switzerland has the same system with deductibles and after that you need to pay 10% with a maximum of 700 per year.
Cost is about 220 per month for a insurance with 2500 (max allowed) deductible and 320 per month for the one with 300 (lowest allowed) deductible.
I mean, the reason I asked is that I can't imagine paying anything for any treatment or medication. The thought that you pay for private health insurance and yet have to pay anything for medicine/treatment is super weird to me.
It's not arbitrary, the deductibles and copays push down the monthly premiums.
Under the ACA, the cost sharing is standardized, so it isn't simply a matter of the insurance company enriching itself or anything like that. This document discusses how the standardization works: https://kaiserfamilyfoundation.files.wordpress.com/2013/01/8...
