It would help for costs, which is what you mentioned above. I know from when I was healthy individual in my 20s, that I tried to avoid doctors visits as much a

It would help for costs, which is what you mentioned above. I know from when I was healthy individual in my 20s, that I tried to avoid doctors visits as much as I could - even though I had killer coverage (90-95%). I still paid premiums (well my company did) but I simply didn't go.