That's correct. A $2,400 health insurance premium and a $2,500 deductible is almost 20% of a $25,000/yr income. I'd certainly look closely at an expenditure of that magnitude. I agree that having insurance might give you access to better care -- but at what price?

I'm just an idiot I suppose but I have strongly encouraged my sons who are in a similar situation to pay for health insurance. Then again one had a friend who had testicular cancer when they were seniors in college and they have both gotten to see the devastation of serious illness up close and personal over the past couple of years.

Neither of them has come near the deductible. I think it's called insurance for a reason, though.