"No one should be using 'insurance' to cover every day expected expenses like random doctor visits for the flu." If it was like $20, sure, but when a "routine

"No one should be using 'insurance' to cover every day expected expenses like random doctor visits for the flu." If it was like $20, sure, but when a "routine doctor visit" costs $300 I'd rather use insurance than deal with the mental load of deciding if it's worth the money. I wonder how many people develop more serious conditions because their high deductible tips the calculus towards avoiding the doctor.