Some people don't get insurance because the high deductibles mean they probably won't get any benefit. I think an even scarier effect is that I personally don't

Some people don't get insurance because the high deductibles mean they probably won't get any benefit. I think an even scarier effect is that I personally don't go to the doctor unless I really, really need to because of those same high deductibles (and the high cost of time off of work). Preventative care is expensive!