Unfortunately, everything they offer on the ads is...

Unfortunately, everything they offer on the ads is only after you pay the deductible ($8K) and $400/mo. ($5K) so if you are relatively healthy and only go to the doctor 3-4 times/year and once to the OBGYN for wellness, you will be paying $200+ for each visit with minimal discounts for Rx. And receive none of the benefits they tout in the ads. Zero dollar primary care visits, zero dollar generic drugs? I've been on the plan for 11 months and have not seen any of those. $400/month is not really wallet-friendly for catastrophic health insurance but there are no other options. It's actually cheaper to pay cash unless you have a serious illness or need surgery. Which is why people go without insurance. Which contributes to hospitals not getting paid. Something needs to change.