$3000 health insurance vs $12000 health insurance

Used to be, before Obamacare, you could purchase health insurance for your and your family for about $3000 a year.  It was "hospitalization only" insurance, it only paid if you got really sick and got put into the hospital.  Routine stuff, yearly physicals, taking the kids to the doctor for earaches and such, you paid for out of pocket.   The savings, $9000 a year, paid for a lot of trips to the doctor and a lot of yearly physicals.  If you had some money in your checking account to handle the routine stuff, hospitalization only made a lot of sense.  You were protected against catastrophe, at a price you could afford.
   The medical community detested hospitalization only.  It led to patients asking how much that recommended CAT scan might cost, and checking prices on pills and getting prescriptions changed over to cheaper drugs. 
   When they slipped Obamacare over on us, they remembered  how opposition from the medical community had killed Hillarycare.  They remembered those Harry and Louise radio commercials, and decided to get the medical community on board by giving them everything they ever wanted in Obamacare.
  And so, Obamacare outlawed hospitalization only insurance.  No more would medical providers have to explain how much treatments would cost to patients.  Since every thing was all paid for, patients didn't care what stuff cost.  While they were at it, Obamacare made all kinds of weird and wonderful medical scams mandatory and all paid for, like osteopathy.  The practitioners love it.