That's true -- I chose to have a very high deductible so I can have very low monthly premiums --- I would end up paying out of my own pocket for almost any kind of health care I or my family might end up using in one year --- although I'm insured. But since we're all quite healthy I've gotten by with that for years --- no doctors or health care costs at all --- and I can keep what I didn't pay out in premiums --- save it in a special account that would cover the high deductible if I ever need it --- otherwise I can keep the money.
A lot of people will say that this is not the ideal, but hospitals cannot refuse treatment to someone based on ability to pay. I agree it is not the ideal, but who cannot come up with the $50 to see a family doctor? And once you begin to talk about what's ideal, then you enter into, what about dental coverage, a low deductible or coinsurance, hey wait a minute, they need vision coverage too.