When I was twenty-five and in perfect health, that's exactly what I did. I worked for an employer who offered a cafeteria plan, and you got back any unspent benefit dollars. I took the catastrophic plan in case I got hit by a truck, and didn't see a doctor for several years. Now that I'm older and less healthy, I have the Real Insurance.
Now that you are older and less healthy you don’t have insurance at all. You have a medical-care continuous prepayment plan that pays for your medical needs and for many bureaucrats salaries and government mandates.