Basic coverage is a lot. Honestly. My $75 /mon gives me oodles of coverage....mri, CT, my new hip...it's all covered. It's the additional things that start to add up....the extra expenses you may not know until the time comes...like a prescription. When all my other scripts are no cost and then suddenly one is $145 you go "Wait....what?!" and there's no coupon or alternative. The no-cost to me is already a generic so can't save more there. It literally becomes a choice of I either pay for it or go without.