I’ll throw my .02 in, do I like health insurance? F no. Essentially I have insurance, but all my Dr’s visits I have to pay for till I hit the deductible. So I essentially ask for the cash price to pay the Dr. The lab work is usually discounted and I don’t pay much there if I have to pay. What I used to do years ago was pay just for emergency room insurance so if anything did happen, covered. All the other visits, eye Dr, Dentist, Dr, I just asked for discounts and cash price. I don’t know when insurance got so expensive, but with the rate they are going, I might consider dropping it again.