<prompt> Human: I am looking to cover myself and my son. I rarelynever go to the doctor but even a catastrophic plan with a 13,000 deductible is 340 a month. Am I better to just self insure and roll the dice that nothing major happens. If something major happens then I can probably settle the debt for much less than the cost of the high deductible. Any advice is appreciated.  <response>: You would owe a tax penalty if you did that, so that would be part of the cost equation to consider.Insurance isnt designed to cover your average costs. Its designed to help with your worst-case costs. People routinely misunderstand that aspect of health care insurance. There are certainly health-related costs that could end up costing you much more than your deductible, for example. They are just not common. 