For some odd reason I thought we were talking about co-pays.
That's part of the overall cost. Those went up in order to keep the premiums from going even higher. (You can still buy plans with low co-pays, but most people don't, because it doesn't make economic sense unless one knows that they will have excessive use of medical services).
P.s. You had me looking twice to figure out what was going on here. 😀
