<prompt> Human: Im 28 and in good health. I only go to the doctor about twice a year or less for a cold or sinus infection when the seasons change. This year I opted for the cheapest insurance due to the fact that it will cover most of my expenses from a historical perspective and will deduct half as less from my pay than the other plans. From a cost benefit analysis the cheapest plan is the best option if the current trend of expenses and services utilized continue.Has anyone done this before and it bit them?  <response>: tbh I tend to think that medical fear mongering is pretty prevalent in this site. Its overwhelmingly unlikely that youd develop cancer at your age, but it is something to prepare for.What Id do is switch to the lower premiumhigher deductible plan, except keep saving the difference between the two plans until either your deductible is met, or your Max out of pocket expenses is met using an HSA. 