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That's true of all insurance. If you put away $5,000 a year for 20 years you avoid buying $100K of life insurance. Same with car insurance. Home insurance. Etc.
Obama and the other libtards destroyed health insurance. There was a time when a 30 yr old could pay $100-150 a month and have a health plan that covered 100% of all costs over $3,000 per year. Now that same plan costs $500+ and doesn't start paying 100% until $6,000.
BTW, nobody needed a law to sell this crap. The socialists needed a law to require the sheep to buy insurance.
Don't blame agents or companies. Blame the a-holes who have created this.
Rick