Even $1,000 is hardly a burden compared to how much you might have to pay if you can't afford insurance. I have a friend who had to pay $2200 for one asthma attack that landed him in the ER, triggered by the cleaning agents his near-minimum-wage job mandated that he use.
Plus, I pay around $400 annually for basic medical insurance (just me), with a $500 deductible, my employer puts in another $600, and on top of that I still have to pay a percentage of costs. So, if I'm healthy, we're paying $1000 for zero product. It doesn't start to break even until after... I believe it was around $3000 in annual medical costs. And I'm a healthy non-smoking 20-something.
Really, any sort of predictable fixed cost is preferable to the "anti-lottery" our health care system is now.