insuring that i'm broke

So I spoke with my insurance company to get the specifics on my new health insurance (it changed as of 1/1/09) and was not exactly happy with the results. In order for my benefits to kick in (100% coverage with no copays) I must first hit my deductable ($2300). So basically, the only way the insurance will benefit me is if Polly or I go to the hospital this year. I mean, I'd hate to face a $20,000 hospital bill if I didn't have insurance, but still... My insurance is not too bad when you break it down because I pay only $14/week for both my wife and me. This adds just under $45/week if you break down the deductable bringing it to a potential total of just under $60/week. Most people pay a lot more for a plus one plan. Still, if you have to use the deductable right away and all at once, it would be tougher to come up with the money. On the other hand (no pun intended) I'm still paying for my broken hand from two years ago because my insurance at that time only covered a flat 80% of hospital fees. I regret that greatly. Anyway, it got me to thinking, I understand insurance for various things, but I hate them all. Health insurance, car insurance, life insurance, etc. I mean, with life insurance the only way to make out is if you die. You're betting you die while the insurance company is betting you'll live. Tell me that's not backwards. You pay car insurance in case you get in an accident, but if you actually get into one, your premium goes up to cover the amount the insurance company had to pay anyway, so really you lose there too. As is the case with most things in life, a few ruin things for the majority. The people who scam the system cause premiums to go up and we all pay for it. Actually, this post reminded me, I need to look into life insurance. Anyone know of any good plans for a healthy 25 year old. At least I have that going for me...