<prompt> Human: So, im going through and looking at health insurance options available to myself and my wife. And at this point Im thinking it is a HUGE waste of money to bother getting. We expect an AGI of around 52k next yearIn short; the cheapest plan I found for a 27M and 25F married couple was 360mo with subsidy, about 4400year. BUT this plan basically pays for NOTHING until we reach the deductible, which is 14,300.The IRS fine is around 2000 from what I can tell. So with health insurance, we are not saving ANY money over not having coverage until we have 16,700 in medical bills for the year.Given that that is more than we have spent in the last 5 years COMBINED, I cannot fathom a good reason for purchasing insurance rather than just paying cash at an urgent carepharmacy when medical attention is needed, like we have been the last two years. Is there something Im missing here?Assistant: Youre missing the part where 16,700 becomes 1,670,000 in an instant and any hope of even a marginally comfortable future for yourself, your spouse, any and every child you ever bring into America is a pipe dream. Your dice, OP. Roll em any way you want.Human: You missed the part where my wife and I cant have children :But yes, I risk losing everything Ive gained until now admittedly, very little.  <response>: Er... you didnt say you cant have children. 