> Health insurance is such a weird thing. It shouldn't exist. You insure yourself against exceptional things. Yet we use insurance for our yearly flu-shot, hardly exceptional.

I treat it more like a subscription. I pay a little over $100 a month for health insurance. A doctor visit would cost around $10-20 out of pocket, so it wouldn't be worth it. However, the insurance also costs with 50% discount on medicine, which ends up right about $80 a month (in discount), so it pays itself back more or less.