Is medical Insurance Worth it? (See Below)?

I am a recent grad and on my first professional job. I'm 23 years old. I took out medical and dental insurance. I don't have any health problems. Neither does my wife. We took a physical and was told to be OK. I did some dental work but my teeth are overall OK. I pay 162 a month for dental and medical when i can possibly put that money to other uses. I was thinking you know those clinics or if we must visit the emergency room it probabaly would come out cheaper.

Is medical Insurance Worth it? (See Below)?
Basically you're saying you want to forgo medical insurance and use so-called "free" care. That's bad - bad for you, and bad for everyone else.





It's bad for you because you will not get preventive care or any kind of care that is not emergency or minimal triage. Sure, the free clinic will treat your pneumonia, but it won't help you with high blood pressure, for example. There's a difference between "treatment" and "health care."





It's bad for everyone else because you are a professional who CAN afford to pay his own way, but chooses instead to freeload on the backs of others. Not cool at all.
Reply:i dontknow but i agree with u SPEND IT ALL!!!!!!!
Reply:It is very expensive but better to have. A ride in the ambulance could be quite expensive if ever you need it 600 dollars and up. Keep the insurance. Better safe then sorry.
Reply:If something were to happen and you are not covered, you will be paying a lot more than $162 per month. What is your wife gets pregnant? You need routine check ups at least once a year. Your normal status can change at any time. You can write your medical bills off on your taxes.