I am 34, since I was 18, I never went to the doctor for any other reason than for a physical. I know I am lucky, but I am almost certain many my age almost never even for a physical. So I am generally confused by my premiums.
Don’t be confused by your premiums. You aren’t paying premiums for your own medical care ... you’re paying for everyone else who DOES visit a doctor regularly and/or has chronic health problems that need constant medical attention.
You’re paying for people who are always going to the doctor and taking 30 pills a day.