I transitioned recently from my parents' insurance which they pay for themselves as small business owners to the insurance my employer provides, which is probably the best insurance situation I could possibly be in. I pay about $16 a month on my paycheck for no deductible, very high lifetime limit, essentially unrestricted healthcare coverage, and pretty decent dental and vision as well. I'm lucky I love my job, basically, because being in my parents' situation where they paid thousands of thousands of dollars a year for practically no preventative coverage would be pretty awful if anything actually happened.

Basically, if you work for a large company and are in a large insurance pool, life's probably pretty good. If you're a small business owner, fresh out of college, unemployed, or have a preexisting condition that can't get covered for whatever reason, you're potentially quite screwed.