Think about the definition of Insurance. It's money you set aside to cover the costs of a low-percentage, high-cost thing. Now think about what the Health Ins

Think about the definition of Insurance. It's money you set aside to cover the costs of a low-percentage, high-cost thing. Now think about what the Health Insurance industry wants you to think is the definition of Insurance: In addition to the above, pay us all the money you'd normally save for cold medicine and doctor visits and we'll give most of it back to you when you need it. They're not the same thing, and if you're paying for the 2nd one and not using it every month, you're going to come out worse.