Oh definitely.

I have good coverage provided by work for me only, which wouldn't cost me anything, and is not common for people.

Add my family at the base and its good, but now a few hundred a month.

Add them to a level thats appropriate (considering kids, meds I need, stuff my wife needs, etc) and its an order of magnitude more expensive, but comes out cheaper than out of pocket for just those bits.

Its horrendous.