I think Sid and Mitch have said it best.
We, as a culture, need to really focus on our own health first. By eliminating disease brought on by self, it would lessen the cost factor with insurance companies and medical providers. For eight years, I have had to purchase individual insurance for my family because my husband's employer's insurance was too expensive. The funny thing is it is the exact same insurance with Blue Cross Blue Shield. My husband's employer even covered 75 percent of his insurance, but the cost for a family of 4 without maternity leave was nearly $1,500 per month. I have the same insurance with maternity benefits for approximately $465 by purchasing it myself. That is less than one-third of the cost! Go figure!
However, deductibles continue to rise each year (as well as premiums). Though Blue Cross Blue Shield covers preventative care (i.e., exams, tests, and vaccines) 100 percent, and the only time we see the doctor is for our annual well exam. Maybe, one of my girls will go for a sick visit during the year. Because we see the doctor so little, it would be much more economical for me to pay directly out of pocket without paying insurance premiums. However, we never know if we will need the insurance for more expensive healthcare costs such as cancer or accidents. But, I was just pondering your question yesterday and wondered what we are going to do when we can no longer afford even our own personal insurance. After all, we must meet deductibles first to have any coverage (other than preventative care).
I know that appointed CVS pharmacies provide the Minute Clinic for preventative care and minor illnesses for a fraction of the cost of regular doctor offices. In fact, I've used it instead of the emergency room for one of my daughter's a couple of years ago, and the cost was less than $70 (plus medication). It might be better to opt for just a "cancer" and/or "accident" insurance and use the Minute Clinic as an alternative to the high-costing insurances.