Not surprisingly, health insurance isn't that expensive if you only want to cover the 'big' things. It gets worse as you get get older of course.

But if you're healthy, 20 - 30 type, and you're seeing the doctor once or twice a year and maybe using prescription meds occasionally for a bacterial infection, then you get the 'high deductible' plan, you end up paying for that stuff yourself but if you happen to be in a wreck or you get cancer or something the insurance will cover it once you get past your deductible.