What is the point of a health insurance plan if you never met your deductible?

I am 22 and applying for my first health insurance. I do not need much medical services, and want a low affordable premium. However, when I look at sites such as Blue Cross, it seems that low premiums go with high deductibles. I don't think I would ever meet the yearly deductible, and thus, cannot get any health services covered. So what is the point of such a plan? Thanks.
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That's a fair question and, to be honest, shows how "differently" people consider health insurance from, say auto or fire insurance. Here's the question for you to consider: Do you want health "insurance," or "health care financing?" "Insurance" helps you pay for unforeseen expenses that you can't handle yourself (like, say, that $87,000 hospital/surgical bill after the car wreck, etc.). "Health care financing," like anything else you usually finance, lets you "make payments" to buy things that you don't want to pay for all at once (like, say, that $2300 big screen HDTV). Here's a few tips: 1. Buy a plan with a big deductible ($2,500 - 5,000) to keep your cost down. REMEMBER: even with a big deductible you can still find plans with the things you like: doctor and drug copays. 2. Stick with the "brand name" companies, like Blue Cross, Humana, Aetna, etc. There are a lot of other plans that "look good" but, if or when you have that big claim, they'll vanish like an honest politician. 3. Talk to a broker who specializes. Visit NAHU.org (see below) to find one near you. NAHU is the professional association of brokers like me who specialize in health insurance. 4. Get you own quotes online. Visit my site (below) or go to Norvax.com to get prices. Hope this helps a bit!
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