I dropped my $8K per year plan many years ago (I think it was more now anyway)
I paid cash for all medical/dental bills including a broken arm hospitalization for my daughter, and caps for her teeth and several fillings and glasses, and I am still way more than 20K ahead of the game.
That is what I’m figuring. Family of four coverage, bank the savings IF we lose it from employer, save the premiums, less the fine and in five short years we’d be 50K to the good, ten years 100K and so on. Not counting perhaps gains on investment of said savings . . . we’re going on 20% earnings this year so far . . . not to say we’ll end the year @ 20%. The libs get really mad when you tell them you won’t cooperate and play their little utopia game and you’ll pay the fine instead . . . which is what they get with an affirmative action pretender and his gang of Pelosi and Dirty Harry.
For my dental, I don't have insurance. Between the deductibles insured people pay, the discount I get for cash payment, and me deciding what level of care to get, I can't see how dental insurance is a bargain.