Healthcare is insane here. I have a relatively good health insurance but a trip to the ER (no ambulance) for abdominal pains still cost me $1600 out of pocket. I questioned going to the ER and tried to wait as long as I could but figured if I have insurance then I might as well use what I have. I should have waited longer. I fully understand why under-insured people will avoid going to the doctor or ER until it's either life-threatening or too late. Sometimes I think it would be better just to get the cheapest insurance and build up the emergency fund more.