Quote Originally Posted by Vteckidd View Post
agreed, however if you had walked out of your house tripped and broke your leg, you would have been financially screwed. Broken leg can cost upwards of $30,000 with treatment, rehabilitation etc.

I completely agree. My point is at that time, I was willing to accept the risk, and did pay out of pocket for when I needed attention at the hospital.

I believe that insurance should only be for the larger items that you cannot pay out of pocket - such as major injruries/surgeries, etc. NOT of office visits and regular lab tests. If people would use insurance for major issues, and not for everytime they go for a checkup, insurance costs would be lower. The problem is that everyone thinks that their insurance is a debit card.