Insurance, Deductible, HSA Spending Accounts and unGodly amounts of money

So, I went to the doctor today, upon the advice of many. I wasn't told anything new... all viral, nothing can be done.... blah blah blah. :-) The nurse practitioner was really nice though. She gave me drugs that would make me feel better and not like crap so that I can function at work. Praise the Lord for her! :-) Let's pray it all actually works and I get my voice back, my throat stops hurting, and I can go a night without coughing! :-)
So anyway- to the subject. I am on James' insurance. Sometimes I wonder if this was a good decision. We decided to take me off RISD's BlueCross/BlueShield plan because I had co pays and had bills being sent to me because they didn't cover this or cover that... whatever. James' company pays 100%. Or at least this is what we thought. James doesn't go to the doctor and when he does it is always just preventative. So, yes, 100% of that IS covered. Then there is me. I go to the doctor multiple times a year because I work in a germ infested building with kiddos (I still love my job!), I get sick anyway, regardless of those germs I am exposed to, I wear glasses/contacts, I like my teeth so I get them cleaned, and I go to the OB/GYN regularly... and now 4x a year regular. I get stupid amounts of test run on various body parts. They usually come back negative but in the mean time cost us horrible amounts of money. We have an HSA Account so it doesn't feel like it take a part of our budget. It's money that is taken out of James' paycheck pretax. But it's still our money. Today, I went to pick up my 2 prescriptions and it cost me $0. I was like wow, we met our deductible. SWEET! No more out of pocket... at least not till January. :-) But this means we've spent at least $2500 so far on MY health. (James hasn't been to the doc.) I got on our HSA website and looked it up... it shows, year to date, that we've actually spent more then $3000 ....I don't know a lot about health insurance but it looks as if we're getting screwed... so now, I have to add to my list of things to do- Call BCBS! AHHHHH!!!! And they probably have some explanation for me that means something where they are right and we're not owed any money back... BLAH BLAH BLAH... I know "whatever" isn't an intelligent word but WHATEVER. It's money we save solely for the purpose of our health. If our deductible IS met, then this is a good thing. I go in on Wednesday for EXPENSIVE test and if we don't have to pay for any of it... GREAT! That is wonderful news. Anyway... health care is too expensive. No wonder a lot people don't go to the doctor, or if they do, they have to go into debt to pay it off... Or we pay for it twice... in taxes for those who get it for free... not very Godly of me, I know we are to provide for the less fortunate... and I we do that... but it's just frustrating. :-) So, anyway- unGodly amounts of money is spent on Doctors by the Davis'. :-)