Terrific. You have a form of partial (40%, 60%, 80%) financial protection IF and WHEN you are in an accident or develop a serious medical condition that requires expensive medical care. Health insurance DOES NOT diagnose medical conditions. Your insurance card DOES NOT provide medical care.

Health insurance companies and government agencies set prices, make rules, and process claims. What you actually have is an expensive Buyer’s Club membership. Traditional medical organizations charge different prices, depending upon which insurance "Club" you belong to, with the highest price reserved for those who belong to no health insurance "Club" at all.

Health insurance driven medicine also means having to endure longer waits getting a medical appointment, and once there, having significantly long waits in a "waiting room" before you see a primary care provider. During your medical visit, your primary care provider - typically a mid-level physician assistant or nurse practitioner - will provide you with 3 to 5 minutes face time to discuss “ONE THING” and you leave with a prescription.

You may have health insurance, but do you have great primary medical care?