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There are ways to use your health insurance that can save you money. With most plans, deductibles are tracked on an annual basis. If you've already used your deductible, schedule any additional treatments before the end of the year to take advantage of the coverage. If you haven't, and treatment can wait, schedule for after the first of the year to put the cost towards next year's deductible. Since every ACA compliant plan includes preventive care at no cost, if you haven't gotten a check up this year do so before the end of the year and do so again next year. It can't hurt and could save you money over the long term by finding and treating problems early.
If you know someone who needs expert help understanding their insurance and their options, have them call me at 847-502-2663. There's no cost or obligation. They can also visit my website.