The other big word that's thrown around in insurance plans is deductible.
A deductible is an amount you pay yourself before the insurance company picks up the tab. For example, if your deductible is $2,000, then you pay for every health service until the total amount is $2,000. From then on every time you go to the doctor is paid for by your insurance.
Now, what is the issue with deductibles? People are saying that deductibles are too high. When people say that they're saying that they are paying for overpriced healthcare services and the insurance company doesn't help at all. Remember that people have to pay a monthly premium for their insurance.
What if people just don't pay their premiums? Then they won't have health insurance and then healthcare providers might not be willing to take care of them.
To sum it up, people have to pay a premium, which is usually $$$, and a deductible, which is also usually $$$. This is why people end up not having health insurance/uninsured.