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The main problem I see with health insurance is that you can be perfectly healthy but have to pay way more than you should because you have a bunch of obese, diabetics, etc.. that you are grouped in with. I know they want to pool everyone together to "reduce" costs but there simply needs to be way more discounts for the ones that are actually healthy. Good health insurance shouldn't cost more than 50-80 dollars per month for someone that is almost of perfect health. Right now I can only find shit plans for around 120+ a month. Why would I want to waste 120+ a month on a shitty plan (little coverage, high deductible, etc..)?  This is why I don't have health insurance.  I have dental and vision though because I actually see a benefit in having those plans (about 7 a week for dental and less than 2 for vision)