I hate medical insurance $$$

The fact that you can’t go to certain doctors unless you’re insured is ridiculous. I mean my husband has been needing to go to a urologist for a couple months now but because he has Medicaid there aren’t any in our city that take public insurance. So now that it’s open enrollment I had to add my husband to my insurance which is no problem, we got married last year but we missed the deadline, but he deserves to go to a doctor whenever he needs too, but it’s $422 for 2 people lol. I work for the state that I live in, and one of the perks of working for the state I thought was better medical insurance. That shit is crazy .