For what I have needed, I have negotiated a lower cash price with the provider, because it saves them time and money to not deal with insurance. Often, the price I pay is less than a co-pay would be if I HAD insurance! For example, the plan I was offered has a co-pay of $50 for a chiropractic adjustment. That's what I pay directly in cash. So what's the fucking point of it?
So, I'm not costing anyone else anything.
So far. So far, you've been fortunate not to have any serious medical conditions or emergencies. So far, paying your own way has been to your benefit. Turns out, that's the way it works for most people: it really is only the rare individual who has multiple sclerosis (or even diabetes), so 9 times out of 10, you're better off not having insurance.
Same could be said for homeowner's insurance: your house will probably never burn down nor be swept away by a hurricane. If you don't have homeowner's insurance and your house burns down, you lose everything. The bank that owns your mortgage will still expect you to make mortgage payments. If you don't have health insurance and you have a stroke, you will get a ride in an ambulance, treatment in the emergency room, and a stay in intensive care. Dozens of highly skilled professionals will spend hours, if not days, making sure you survive, and few of them will listen if you say "no, don't treat me, I can't afford it." If you don't have insurance, you will be billed several tens of thousands of dollars, but the hospital will not seriously expect you to pay.
If you don't have homeowners insurance and something bad happens to your house, you bear the cost. It's roulette with your own money. If you don't have health insurance and something bad happens to you, a hospital bears the cost. It's roulette with other people's money.