I had the same question. I don't get insurance through work b/c it's $175 a month, which is high IMO. I'm a 34 year old female with no health problems at all and physically fit. I go to the gyno once a year and might go to the GP once a year. If I got health insurance with a $3500 deductible(only $80 a month), I'd have to spend $3500 in doctor's visits a year before the insurance and co-pays would kick in? That seems ridiculous to me. There is NO way I would ever hit that or even $1000 deductible a year with my 2 doctor's visits. So what's the point of health insurance for a single, healthy person? Yeah, I might get hit by a bus, but what are the chances? I was under the impression that doctor's visits were covered without the deductible(my Dr. visit is $150, I would pay the $25 co-pay and the insurance would pay the rest). Now if I was hospitalized for appendicitis, for example, the deductible would kick in and I'd be responsible for the first $3500, which would be fine. I'm so confused and don't see the point of paying $80 or even $180 a month when I only pay $400-$500 a year for doctor's visits without insurance. Can someone please explain this to me? Thanks!