Personally I don't understand people who can afford private health insurance, have a family to protect, but refuse to buy it and say its overpriced or a 'rip off'. These people simply don't understand the value of these types of plans and need a lesson on how to shop for one. There are basically three parts to a major medical plan; preventive doctor visits, prescription drugs, and the major medical or catastrophic coverage. (inpatient/outpatient)
Understand that even a large deductible plan will save you and your loved ones from a catastrophe. And honestly, do you think a hospital or doctor is going to take such great care of you if they are not going to get paid anything???!!! NO its sad but its the truth. You can be in the hospital for a few days and have a $50,000 bill.
Will an insurance plan with a $5000 deductible help? YES! Most people don't understand a major health insurance company works like an attorney between you the client and the health care system. The same bill will be a lot less if you have some type of insurance than if you have no coverage. Do not get a plan with doctor visit co pay if you're not going to use them. Why? because insurance companies charge you a lot on the monthly premium to have that copay option, usually about $100 per month which you are wasting if you never even use your office visits. Make sure and use a broker so when the rate increases come your broker can simply transfer you over to a similar policy.
Lastly, be sure you're getting a major medical plan not a limited benefit plan which are not bad they just are not for everyone. Limited benefit plans are for people that cant qualify for major medical.