Living in the US, back when I was on a high deductible insurance plan, I would avoid doctor visits because it would cost over $100 for any single check-up. My employer put enough money in a health savings account to make up for the high costs, but I had the mentality of "If I didn't see the doctor, I could bank the $100 for a later emergency." I'm the type of video game player that will stockpile health potions, never use them, and then die cause I didn't want to use them. I realized this is a fucked up situation and so I switched to a more expensive low-deductable plan and will now visit the doctor when "I think I might need to" instead of when "I really need to."
But yeah, lots and lots of people on low-premium (low monthly payments) high deductible plans with that save money mentality. They only see the doctor when it gets severe.