> The average health insurance deductible is $4,358 and the average premium is $321 per month.[3] That means that on average US citizens pay $321 per month for (5237-4358) / 12 = $73.25 of expected value.

Your calculation makes no sense. Healthcare insurance pays out for catastrophic events, hence the deductible, not evenly every year. You need to know the distribution of payouts to get a meaningful result.