Unaffordable Insurance = High Premiums + High Deductibles + High Co-pay

If the Health Insurance has high premiums and high deductibles and high co-pay then how can it be Affordable? Further, high deductibles means that benefits are not paid until insured pays the deductible for that benefit period. With that arrangement, it would appear that health insurance would be or is being funded for the well-to-do at the expense of the indigents, have-nots and not so well-to-do. That is why we should have a market driven system of quality healthcare and not a closed system of government run healthcare.