For what it's worth, the deductible and OOP max only come into play when you're actually undergoing expensive procedures -- child birth, surgery, rehab/PT, etc.

Otherwise, if you're young / healthy / no kids then regular preventative care as part of most coverage is very cheap (if not covered entirely). It's really ~$5k/yr to carry insurance and no risk... versus the tax penalty plus a massive financial risk of being bankrupted by a hospital stay. These medical procedures ain't cheap and they itemize everything.

I think they billed us for "fresh air" when my daughter was born.