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Originally Posted by AmeliaG My point was that, if I am reading the terms right, your expensive healthcare plan only seems to make mathematical sense, if you spend $8,500+ on healthcare. Otherwise, insurance costs you a lot more.

Insurance is a risk transfer, your premium dollars transfer the risk to the insurer.

If you are injured badly or develop a chronic condition the medical expense can run up over $100K easily -- can you afford to pay that out of pocket? You used to be able to buy catastrophic insurance policies.

You can buy 'catastrophic coverage' https://www.healthcare.gov/can-i-buy...strophic-plan/ if you or under 30 or older and meet the requirements ... If you have over $100K liquid cash assets buying the 'overpriced' insurance would just be more of a nuisance rather than a hardship. Bonding off the risk with your $100K is probably not something you would want to do anyway.