Why do we pay so much for insurance????

So why do we pay so much for insurance when you keep dishing out more money. We got notice that our prescription costs are going up. We are on a 5 tier system - $2, $15, $30, $50 and pray you do no have to mortgage the house. Well now it has been changed to $2, $15, $50, $150 and pray you do no have to mortgage the house. So my Crestor that was costing me $30 a month will now be $50 a month. Worst of all the Wellbutrin XL 300mg that was $50 a month (The generic does not work for me, it is like taking half the brand. I have tried twice to take it and feel like crap) will now be $150 a MONTH. So my prescriptions will go from $80 a month to $200 a month. That is not including the Zyrtec I take on top of everything else. They also raised the amount we pay and added a $250 deductible. I can't believe this.. And this all goes into effect December 1st.