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I agree. I just turned 30, self employed, and have not had health insurance for at least 7 years. I am in good physical shape, eat reasonable, etc. The cost for me as a single guy is arounr $400/month. I never use the doctors and wish they would offer a catastrophe plan.

"wish they would offer a catastrophe plan."

I think there probably are some plans like that.

You really should look into that.

The general problem is also, that the whole idea of insurance is to spread the risk. If only sick people buy insurance, in order for the insurance company to just break even, they have to charge as much in premium, as the actual cost, because they pay out huges sums for each person insured.

You can buy health insurance with a huge deductible for alot less than $300 per month, and there are chehap catastrophic illness policies. I'm self-employed and pay $305 per month for a family of four through carefirst blue cross personal comp plan. My deductible is $1000 per individual, and $2000 for the family. Emergency care is covered at 80% immediately. It's still cheaper for me to pay out of pocket for visits which never cost more than $150, and we never see a doctor more than once per year. I could have opted to save about $100 per month if I'd upped the deductible. There are also other health care solutions like joining a discount group. It's not insurance, but they negotiate the same rates that the insurance companies pay for visits.
At least you should opt for a catastrophic illness plan.