I'm going through open-enrollment at my school right now. Let me tell you about my "full" coverage:
It's good. But the idea that I don't pay anything toward it is ridiculous. I have co-pays, deductibles out of network, and prescription costs like anyone else. Last year I could choose one HMO; this year, it's two (POS-types). If my doctor doesn't take it, tough. And I have to go through the same bureaucratic nonsense as anyone getting employer-based health care does.
My dental isn't even close to "full." I'm paying plenty for my kid's braces; I get partial reimbursements for routine procedures. My HR person tells me to look carefully every year at the insurance, because there's a good chance it's not worth the premiums.
My vision is a free examine every year and a discount on glasses - not a big discount, either.
Listen, if it comes off as whining, it's not. Like I said, this is pretty good; not France or Holland good, but good. But the notion that I wasn't paying anything for it before the 1.5% contribution is just not true.