<prompt> Human: I am a man in my late 20s, engineer, and my only medical expenses in the 3.5 years since starting work at this job have been annual check ups, annual dentist cleanings paid out of pocket, and a series of 8 PT sessions for shin splints PF reduced cost of visit from 100 to 20. Thats it. I guess Im an unusually healthy guy as Ive never been one to miss school or work due to illness. Im currently paying 53.04 a pay period 26 annually for the maximum coverage available to me. I did this when I started working because my parents said that good health insurance is imporant. Now I am starting to reconsider. If I cut my coverage in half I could pocket nearly 700 bucks a year. Thoughts?  <response>: Honestly, in my opinion, if youre making enough to feel totally comfortable paying the much larger deductible, youre making enough to pay for the security of having the much lower deductible. You just never know what is going to happen. Personal anecdote here, I went to a doctor probably 3 times for various injuries due to athletics and maybe 2 for actually being sick between the ages of 15 and 26. Then boom, I hit 27 and need a random as hell tonsillectomy and additional emergency surgery due to the wounds from the surgery not healing properly. I had never in my life had problems with my tonsils prior to this. Its true, maybe you wont need it. Its a risk-reward thing. I really think the risk you take not having it greatly exceeds the 24 payments 2 of the 26 pay periods dont take out health insurance usually, those nice triple paycheck months of 53 bucks. I can promise you there are a lot of people that would do most anything short of murder for good health ins for 1200year. 