Your own statement brings up the "insurance plan". An insurance plan is a contract, consisting of defined benefits and payments. The size of the payment is connected to the limits of the benefits. This isn't rocket science. You don't get unlimited benefits for limited payments. It's not "terrifying" at all if you understand contract law and what you have freely purchased, insurance-wise.
They put the kids on the wrong plan.
People who think a movie about plastic dolls is trying to turn their kids gay or trans are now officially known as
"An army, great in space, may offer opposition in a brief span of time.
One man, brief in space, must spread his opposition
across a period of many years if he is
to have a chance of succeeding"
~RZ67~