Usually though HSAs + high deductible plans are the best of both worlds. Most of the time you just pay with cash (tax free!). But if you get in something serious you know you're not going to go bankrupt.

Absolutely true. In my case and per my preference I put the money I would have spent on insurance to eat healthier foods, get quality supplements, good walking shoes and other things that improve my overall health. It's not for everyone and perhaps I am taking illogical risks but I have come to terms with such risks. I suppose time will tell if I chose poorly. The unknown for me is if I would qualify for a black bar on HN.