others believe the more you require a plan to cover, the more it costs. while preventive care is great and you might be more likely to get physical if it were offered at no cost to you, the problem is there is a cost associated with it. i like to use the auto insurance example. your auto insurance does not cover maintenance, but most still get their tires changed when needed and get their oil changed every 3000 miles. these are services that we can afford to pay for, while a larger out-of-pocket of $12,700 or $13,200 is a lot to pay when you are sick and perhaps not able 