Actually, toxic greed isn't wonderful but it would be important to understand where it exists.  You seem to focus on the provider and I can understand doing so given your experience.  And I will readily acknowledge that there are providers that are a problem, although in my experience the vast majority are simply trying to earn a living and care about their patients.  To address the issue of greed, your employer opted for cheaper insurance premiums with a higher deductible saving the company/corporation money (survival).  The insurance company raised the deductible so they could collect your premium and almost never have to pay for service by a provider (greed).  The physician provider either charges you for the deductible which your insurance and employer straddled you with or "eats" the loss.  For your information, many providers "eat" the loss (altruism).  But please Stubs, explain why the provider should financially support (enable) insurance companies and corporations to steal?