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In the US. My partner has health insurance through her job, but she works remotely and the company is based in a different state so the insurance is, too. Partner severed her Achilles tendon about two months ago. Because of confusion about her insurance, every appointment related to the initial injury took an extra hour or more while the office staff tried to get in touch with the insurance company. Her MRI was cancelled because the provider of the MRI thought she was uninsured. She had to reschedule and ended up paying out of pocket for it to ensure it got done. Getting reimbursed out of her HSA took several hours of compiling receipts and filing out forms. After all that, and being insured, she still paid $4000 out of pocket. There's also a very low limit to the amount of physical therapy sessions insurance will cover plus there's a copay for every session, so that's an ongoing cost as well.