you could rather be putting that money into a savings account so that you're able to pay if you ever need to go to the hospital
good luck
insurance is more or less of a pot of money that tons of people put into, and some will need more money than others, some maybe not at all, and in the end it balances out with extra money left over
if i didnt have insurance id be paying off 6k in debt from an auto accident i was in, with it i only paid $500, the extra money came from the people who didnt take any money from the pot (or less than they put in) but put money in via insurance bills