Ironically, insurance companies are shooting themselves in the foot by alienating people like you. If they had a reasonable cost option, healthy folks would be more likely to go, "Eh, it's worth having the coverage just in case." But when they make it this absurd, they're limiting their customers to those more likely to depend on insurance, i.e. those most likely to file expensive claims and/or hit their deductible.

But hey, that's the kind of thing that happens when you can't see beyond short-term profits. Late stage capitalism at its finest.

There is also the misconception that the penalty still exists.