Well I agree with that. I think insurance should be like car insurance. All the routine maintenance stuff you pay for and then if an actual illness appears it pays.
Would make it cheap since it was rarely used.
Check out the following (scroll down the link until you get to “Heath Care Sharing Organizations”):
http://selfpaypatient.com/selfpayhealthcaremarket/
Health Care Sharing Organizations
Sharing organizations are voluntary associations of people who agree to share medical bills between them, similar to insurance. They are typically less expensive than conventional health insurance, and for some ministries members are exempt from paying the Obamacare tax for being uninsured.
Note: a relative (in Virginia) was being charged $1,850/month premium for a family of four (deductible was about 12K). His health care sharing “responsibility payment” will be about $500 for the family. Do your homework, but the savings are there if you are/live a Christian lifestyle & there is now one for Catholics.