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Deductibles is the amount you pay out of pocket (usually each year) before your insurance starts paying for care. Copays have nothing to do with this. Copays are what you pay for services rendered when your insurance pays the remainder.
Honestly, unless you have a serious medical issue, you are money ahead without health insurance. I am currently uninsured (except for D&D and short term disability) and it works just fine. I don't want insurance and it always pisses me off to know that the goddamned socialists include me in the statistics they use to fight to spend more and more money providing insurance to people who don't need it.
I budget about $2500 a year on my health needs and that includes a new pair of glasses with good frames every year whether I need them or not, an annual checkup w/ full labs, 1 dental cleaning, figures in six visits to the doctor (I only used two of those last year) and my prescriptions for gout.
Health insurance is by and large a scam. There is a reason why insurance companies have piles and piles of money. Its not because they are so great at investing money. Its because most of the people who have health insurance spend less on care then they spend on premiums. In fact, most people have insurance through their work, their employer pays their premiums for them. If this were not the case, people who work a minimum wage job and get company paid benifiets could make almost double what they make now and buy their own insurance (or none at all - a smarter choice in many situations) or pocket the money.
Many people have deductibles that are higher than what I spend on care in a whole year, so they pay that out of pocket and then they pay the premiums. Now tell me what kind of fool thinks that is a good deal?
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