I imagine you're a single white male under the age of 30 with no prior health issues. I'm insuring a family (wife & child) as well as myself which drives up th

I imagine you're a single white male under the age of 30 with no prior health issues. I'm insuring a family (wife & child) as well as myself which drives up the cost. If I were to leave them uninsured then I would pay $0 out of pocket.