I seem to be the only one that thinks this way, but I view health insurance as a plan to cover catastrophic events. I view it kind of like auto insurance. I d

I seem to be the only one that thinks this way, but I view health insurance as a plan to cover catastrophic events. I view it kind of like auto insurance. I don't use auto insurance to get my oil changed or to replace the wipers or to add a rack to the roof. So the high deductible plan I get at work is perfect for me because it has a high deductible, yes, but it has a lower overall ceiling. Meaning that if I get in an accident or I come down with a disease I won't go bankrupt because after a certain value things are covered 100%. I do use the HSA, since my employer basically puts money in my savings account if I agree to put so much into it. So it's both an incentive to save and free money at the same time. I do use it on tests and appointments occasionally, but I often go a year or more without touching it. Of course, I have the luxury of doing this because I don't have a chronic disease and don't have dependents to worry about. I understand that.