I used the logic that I don't go to the doctor very much.. That was until I found out I had cancer.
That logic works great if you're 20.. But at our ages, you really have to consider that things like cancer are quite a bit more likely.
During my last round of chemo (over 18 months ago YEAH!), one single visit for chemo would generate a bill of roughly $23,000.
Chemo is very expensive. I'd hate to have to deal with that..
Get the best insurance you can afford, it's not worth playing with.