Too many people don't take advantage of their youth, good health, or odds when it comes to health insurance. Unless someone has a chronic medical condition, opting for a high annual deductible makes perfect sense. You are covered in the event of a serious illness or accident, but pay for the routine visits and medication out of pocket. Funding an HSA makes it even better, as you're paying with pre-tax dollars. In fact, the way you are managing your personal insurance clearly illuminates what is WRONG with health insurance in this country today. As a general rulle, most policies should be structured the way you are managing yours. Where did we ever get this crazy notion that every single office visit, vaccination, and prescription should be covered by insurance? Our auto insurance doesn't cover tune-ups and new tires; why should our health insurance cover "routine maintenance?" The insurance should be there for the big ticket items you don't expect. The individual should pay for sniffles and stitches. We also need the federal and state governments to butt out. When laws mandate that every policy include mental health coverage, it raises the cost for everyone, but few people reap the benefits. The same goes for state laws mandating everything from pre-natal and obstetric care to sex reassignment surgery. Those should all be available options, but government pandering to select groups drives the costs up across the board.