During the financial crisis I thought I better look into health insurance in case I got terminated. My options at the time were to buy COBRA coverage which was close to $800 a month. I was a healthy 50 year old and didn't need the Cadillac coverage. If I would have been let go, I would have purchased one of those junk plans for around $200 a month until I found a job..
Sure, and if something bad happened to you you would have been on the hook.
I'm not saying these plans don't have a place but no one should kid themselves. The way they're lowering cost is by delivering less value.