So the HMO I have at my job is about $200 a month. I am in my mid 30's and rarely get sick. When I do get sick it is easily resolved by the urgent care. The urgent care costs are rarely $200 and they limit the cost to being under $300. This leads me to believe that if you should not get health insurance if you are single, healthy, and under 50 yrs old. The cost is not worth the reward when you have access to Urgent Care centers. HMO's dont even cover catastrophic events. This makes them even more worthless. What are your opinions on this?