Consider the following to meet your needs to spend where you want.
For profit insurance use to have much lower deductibles and copays before they implemented the HMO, PPO etc. Those days are gone. They won’t go back because they don’t have to. Insurance also use to be non profit.
Insurance is coming either from your employment or tax money. Either way you are paying for it. So let’s set policies that allow us to get the greatest benefit by directing our money into accounts that provide us with the tax benefit and investment instead of giving it to the insurance industry. At the same time offering us greater freedom to seek the care that will get us healthier instead of having decision made by insurance industry employees who don’t have the education the Doctor does but tells the Doctor what to do.