In the late 70s-early 80s, my company paid for my Blue Cross/Blue Shield 100%. We didn’t know what co-pay was and I had 100% coverage. None of that 80/20 crapola. Company was sold and the day it was official, it went to 80/20 and we had to start contributing to our coverage. We complained that we had to pay like $20 per month. Since those days, insurance coverage, especially hospitalization, has sky rocketed. I would place the blame for health insurance costs on greed and Obamacare.