Sorry, coming back to this late, but in the hope that you see it, I haven't visited the doctor _because_ it was expensive. Sure, I'm also young and it probably wasn't really necessary, but there were definitely a couple of instances I can remember from the last decade that I didn't go to the doctor until I thought I had no other choice.
I'm willing to pay a little more in the long term to have the peace of mind that I can go to the doctor for something less than an emergency and not face financial hardship. In the US, one doctors visit can easily cost more than 10 years of bills in a European nation, and it doesn't even have to be serious! A broken leg isn't life threatening, but it could break you financially if you aren't ready and able to shell out your high deductible.
I'm willing to pay a little more in the long term to have the peace of mind that I can go to the doctor for something less than an emergency and not face financial hardship. In the US, one doctors visit can easily cost more than 10 years of bills in a European nation, and it doesn't even have to be serious! A broken leg isn't life threatening, but it could break you financially if you aren't ready and able to shell out your high deductible.