So if I rarely need (or get) to see a doctor, then I certainly don’t need to spend $500 a month with a deductible of $6250 a year for ZeroCare.
No, you need protection from the extreme costs associated with serious illnesses and accidents by being able to insure those risks, and a couple of grand in a savings account to cover routine stuff. In the new America, though, the government will no longer allow you to exercise that option. They have a deep dislike for letting citizens do that whole “choice thing”.