Such a deal

The few people who have gotten thru to the Obamacare websites are reporting policies costing several hundred dollars a month, with deductibles of $4000 and up.   Such a deal.  If you are in good health, which most of us are, you won't rack up $4000 in doctor's bills inside a year.  So what are you buying insurance against?  You still have to pay out of pocket for everything under $4000. 
   Support you get unlucky and actually need an operation?  Those go for $20,000.  So you pay $4000 and the insurance pays off the rest.  Big deal.  How many of us have $4000 just lying around?  Damn few. 
   Most young single guys won't fall for deal like that.