On the contrary, if you don't expect to need a doctor you can get really cheap coverage, just with a really high deductible. I only pay $100/month for $1 million in coverage, but my deductible is $20k so I pay out of pocket for all health expenses, but am covered during a major emergency (over $1 million I have bigger problems to worry about than paying off medical debt..)
Normal health insurance like employer provided (or universal healthcare) is the healthy paying for the sick, which while altruistic is what's actually expensive.
Normal health insurance like employer provided (or universal healthcare) is the healthy paying for the sick, which while altruistic is what's actually expensive.