Insurance is a scam. But to be fair you can actually have both, with a high deductible HSA compatible insurance plan you get to pay for both insurance you never use as well as put other money aside into an HSA account that earns interest and gains for you. It's a good idea to have an HSA and max it out if possible.

But beyond that I don't disagree with most of your points. It's insane having a system where you're paying thousands of dollars, and worse if you actually do need health care you get the privilege of paying even more thousands of dollars extra until you meet your so called "out-of-pocket' expenses before the insurance provider starts covering things on their own.

With my own health insurance I would actually need to pay out about $12000 (premiums + out-of-pocket) in a given year before the so-called health insurance actually starts covering expenses themselves... and this is assuming they don't decide to deny any treatment and refuse payment. Like sure I guess that's better than paying for a one-off surgery or major health emergency directly.. But I doubt I could afford that every year if I was actually needing regular treatment for an ongoing health issue.