I pay $786 a month for health insurance for my son and me. In no way does this premium cover the cost of receiving healthcare. Basically, a healthcare premium is what you pay so the insurance company takes your calls. You could call it your healthcare retainer fee. And 99.9 percent of the time these calls to the insurance company are due to the mistakes they made while processing your claims. In 2023 my premium will face a 12 percent increase. But the absurd cost of health insurance is another issue for another time. Today’s issue is copay maximums.