It is a not even a question in my case, with myself, wife, and 2 - 19 month old boys, I could not afford if something went wrong. Maybe what you can look into Bobby is getting a plan with a very large deductible. This is usually how you can lower your rates for any kind of insurance. Basically for the fact you mentioned, that you wouldn't use it, unless it was a huge amount of bills. the thing is, you are deciding to take a chance. nothing wrong with it, but as with anything in life, if you know you are taking a chance on something, you had better be ready for both options to happen. So what you could do, is start savings in a "health care" account, until you have enough money where you feel comfortable, and then drop your insurance. But remember, Murphy's law is around the corner, and the day you drop it, is the day someone rearends you, drives off, and leaves you with $100,000 in medical bills! It seems hard to justify now, as you are not using it, but what you are actually paying for at this point, is peace of mind, in case anything did happen.