Preventative visits are required to be no-deductible, so I assume you only get hit with the cost if it's an irregular visit for an illness of some kind.

Health insurance is supposed to keep you from going bankrupt when your appendix bursts.

Well, sure, but most Americans and policymakers haven't thought about "health insurance" in those terms for a long time. PPACA makes plans that only protect against that kind of thing illegal.

Health insurance "yes", health care "no".

So much of the public debate regarding these issues is terribly confusing and misleading simply due to the wanton disregard for the difference between "health insurance" and "health care". I realize that some of the erroneous usage is just sloppiness, but these two things really aren't interchangeable from a public policy standpoint.

Prime example: the "Affordable Care Act" isn't about health care, it is about health insurance.

According to the details of each plan they all offer free preventive doctor visits. the 1-2 low cost visits per year are for if you got a cold or something and went to the doctor.