Have own/individual health insurance, but only for catastrophic situations - it has a $5000 deductible. There may be one or two deductible-exempt office visits

Have own/individual health insurance, but only for catastrophic situations - it has a $5000 deductible. There may be one or two deductible-exempt office visits with a small copayment covered every year, but aside from that, basically any routine medical expenses I might reasonably have that do not constitute an emergency or a grave illness are my own.