On the mainland, they called these plans "catastrophic care" plans and that's what we opted to pay for to lower our insurance costs.  Years would go by without any major doctors visits and we enjoyed the benefit of the lower premiums.  If you're an 18-30 yrs old, this saves a LOT of money.  Believe it or not, employers, GOOD employers, would love nothing more than to re-channel the savings back into paying great employees more.  You people can tell yourselves that your "employer paid" insurance is free but, in reality, your pay is being offset by the total overhead of insurance hence Hawaii's ranking of LOW hourly "pay" here - due to the offset.   Thank your legislators for "helping" you.   Wouldn't it be nice to get it back into your pocket?