 What you don't realize is that you are paying for health insurance. It's coming out of your paycheck, or it's a part of the value that your employer is paying you. But you are buying insurance. People don't seem to think that. They seem to think that insurance is free. It's not free. You're paying for either part of it or all of it in your paycheck, or your employer is paying part of it or all of it in your paycheck.