Well, some of us actually do use our insurance heavily. I have a chronic condition (rheumatoid arthritis since age 16) through no fault of my own, so I use a *lot* of health care out of necessity. Without it, I can't even get out of bed. With all the wonderful pharmaceuticals, I can get up and go to work as an engineer every day and be productive. Without, I'd be on disability and a burden. O-Bominable-Care thinks it's a good idea to add to my already-heavy health care costs and tax me even more because I buy a high-end insurance plan. It's actually cheaper for me to pay high premiums and have no deductibles and co-insurance, since I'd have to pay those every year anyway. Deductibles only save money if you rarely use your health insurance.