<prompt> Human: Im 28, single, no kids. I work full time and have insurance through my employer. From what I understand it is very good insurance Blue Cross, and my bi-weekly payroll deduction for it is about 75. Over the past 2 years, Ive been to the doctor once for pinkeye. I feel like Im throwing money away on this health insurance. I take full responsibility for my own health, and dont really go to or trust doctors and western medicine.I understand that it makes sense to have some sort of catastrophic insurance in case something crazy happens, but its like Im paying for a Cadillac to drive next door to my neighbors house.My question is: Can I get off my employers insurance and buy some dirt cheap catastrophic insurance and how does that process work?Also, if there is a more appropriate sub for this please point me in the right direction.Assistant: You dont realize you need insurance until you need insurance... The fact that you, dont really go to or trust doctors and western medicine. does not change the fact that western medicine is what will keep you alive when youre diagnosed with a crippling disease. It isnt like you get 6 months notice of a disease youre about to acquire. One day youll just be unconscious because you have type 1 diabetes and you are stuck with an extremely expensive health plan and a lifelong, chronic illness. The fact you dont prescribe to western medicine means my advice will probably go unheeded but, no, you shouldnt go for a cheap plan.Human: No, I get that. I want to be covered in case something catastrophic happens. But do I pay a higher premium so I have a lower out of pocket cost to see a doctor to have them tell me I have a cold and to take it easy for a couple of days and drink lots of water and take some tylenol? No. I want something cheap that will only cover me on something catastrophic. Maybe there isnt such a thing.  <response>: 175 a month for a good health care plan is the best youre going to do. High deductible plans which Im assuming is what youre talking about can vary but can be extremely expensive. I pay 70 per month for my wife and I but our deductible is 3000. That means I pay 100 of all bills until I hit that threshold, then after that I pay 10-15 based on procedure or medication. Thats actually a good high deductible plan because it is heavily subsidized by my employer. My wifes employer offered a HDP which had about 200 a month and the deductible was 6000. If your plan is 175 a month and had no deductible or a very low one, your plan is pretty damn good. Most of the time employers are subsidizing insurance plans through premiums so most likely youre getting the best deal you can get already. Anything outside the employer plan may be cheaper but at drastically lower quality. 