<prompt> Human: To specify, this would be for the 2018 year. Im not bothering with coverage for the next 2 months. I recently got a new job, and of course as a new employee around the enrollment period of the year, I started researching the jobs health plan benefits.The monthly payment is 140month for myself only I net about 20k a year now, with a 4,000 deductible. After that, Im responsible for 40 of everything. I do need to make some visits to the doctor for some blood tests, but I highly doubt Ill need enough visits to meet the 4k deductible before 2019 unless I get into a catastrophic accident or come down with a serious illnesscondition. In your opinion, is this even worth it? 140 a month may not seem like a huge amount but for someone netting 20k a year before the insurance deduction, thats a fair chunk that could go towards much more important things. But I also hate the risk of being uninsured.  <response>: If you only make 20k a year with that monstrous deductible and have to pay 40 of everything after that, Id say no, its not worth it. Youre paying and paying, but getting almost nothing out of it unless you get a truly catastrophic health issue. 