On my parents health insurance, can’t afford health care

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For the past week I have been crawling this subreddit as well as researching various health plans because I have run into problems with my health care. I have been a psych patient since I was 14 and routinely visited a therapist once a week, as well as a psychiatrist on a monthly basis, until around this past year. It felt like out of no where I suddenly started getting billed full session fees and my medications cost the full amount. I did some research and I realized my plan did change from 2019->2020. I talked with my dad about it but he seems to not understand it either and is insistent that I should only owe the copay of $40 like I always did.

I now understand I have a deductible of 3.5k. Now that I am looking around I am realizing that most plans that aren’t expensive utilize a deductible of some kind. Based on my family’s financial situation I know for a fact they never paid for a platinum plan. They are telling me that they only have paid the copay for my psych visits in the past when I was a teenager. To make it more confusing for myself, my friend has insurance through her parents’ construction job and she has only owed a $20 copay and is insistent she wouldn’t have reached a deductible.

I feel like things were never like this and it seems like other people can see the doctor without paying full price. I only make like 24k a year as a caretaker and even the 3.5k deductible would be a massive portion of my income. Has there been any changes of policy that made this more difficult? Are there any options for me to be able to see a doctor again, or am I out of luck until I migrate to canada? :/

Thanks to anyone who would take the time to offer clarification.

submitted by /u/21-m
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For the past week I have been crawling this subreddit as well as researching various health plans because I have run into problems with my health care. I have been a psych patient since I was 14 and routinely visited a therapist once a week, as well as a psychiatrist on a monthly basis, until around this past year. It felt like out of no where I suddenly started getting billed full session fees and my medications cost the full amount. I did some research and I realized my plan did change from 2019->2020. I talked with my dad about it but he seems to not understand it either and is insistent that I should only owe the copay of $40 like I always did. I now understand I have a deductible of 3.5k. Now that I am looking around I am realizing that most plans that aren’t expensive utilize a deductible of some kind. Based on my family’s financial situation I know for a fact they never paid for a platinum plan. They are telling me that they only have paid the copay for my psych visits in the past when I was a teenager. To make it more confusing for myself, my friend has insurance through her parents’ construction job and she has only owed a $20 copay and is insistent she wouldn’t have reached a deductible. I feel like things were never like this and it seems like other people can see the doctor without paying full price. I only make like 24k a year as a caretaker and even the 3.5k deductible would be a massive portion of my income. Has there been any changes of policy that made this more difficult? Are there any options for me to be able to see a doctor again, or am I out of luck until I migrate to canada? :/ Thanks to anyone who would take the time to offer clarification.
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