I didn't say quite a bit was not coming out of our own pocket - who doesn't pay a good portion any more, but the employer does get the heftier end of the bill. There was a time when we did pay for it all - that was before this whole setup became so ridiculous. The only reason employers started paying insurance premiums in the first place was because there was a time they were trying to attract employees. Had that never happened - maybe things would not have gotten so out of hand. Can you say honestly that some folks have not taken advantage of the doctors bills coming out of someone elses pocket?