I recently became very ill with a particularly bad bout of bronchitis. I went to the emergency room of the hospital that has my insurance contract. A doctor examined me, prescribed over the counter cough syrup and sent me home. The copay was $80.00 My condition worsened. Also due to other factors I went to stay with my son. I could not breathe. I went to urgent care. My insurance was not accepted. I was out of network. I had to pay out of pocket. I received breathing treatments, two inhalers and some decent cough syrup. I went back every day for breathing treatments. In two days I was much better. The cost without insurance was $135.00. But, I actually got care. Better to have no insurance at all.