Yes, we carry insurance. We have a large deductible and self insure for things like doctor's visits (we do have a co-pay) and prescriptions (we have co-pay for that too).
We tend to not like to be on medications, so we don't have much history of that, nor do we run to the doc's office for every little thing... We are generally healthy.
Since we travel quite a bit, if a circumstance comes up that needs attention, we utilize local health care. For instance, I get my dental work done overseas in Thailand. This has included crowns, root canals, xrays, etc. I also get my eyeglasses there as well.
My understanding is that some states on the east coast (N.Jersey?) have large mandates in that the state themselves require the health insurance companies to cover a large variety of services, even if you, yourself would not utilize them (accupuncture, massage, aromatherapy, etc.) so premiums would be higher.
We tend to go 'no frills' in the insurance department, and eat well, exercise, don't take meds if at all possible (yucky side effects), and do things in moderation. This has paid off very well.
We utilize preventative health services here in Arizona that promote onsite wellness programs. We discuss all our approaches in our book :
Table of Contents:
Although some expenses in health care will probably increase as we age, we emphasize having options to turn to, and not be held hostage by a health care premium...
Author, The Adventurer's Guide to Early Retirement