<prompt> Human: So here is my story. I am self employed in the USA and have a high deductible health insurance plan 6500 per individual 13000 cap for family with an HSA. My familys ages 37,37,12 11 premiums have gone up by double digits every year and is going up 17 this year to 1050 per month. We spend roughly 1000 on doctors visits yearly and our healthy. I also max my contribution to my hsa. Im thinking it may be worth to just set the 12k aside into a savings account, take the money I was paying into my hsa and put it in my Roth I wasnt contributing anything into that account just my Simple through my company. I could weather about a 75k hit and be ok. My renewal is Nov 1 so I wouldnt pay the no insurance penalty for 2018 and the penalty was eliminated for 2019. My question is would you take the risk on my shoes? It is very frustrating to pay these premiums and barely use it.  <response>: I wouldnt go uninsured. Too many stories of people getting wrecked financially by medical bills when uninsured. 