Just to make sure I understand this. You want to get medical insurance when you need something done. Go take care of whatever, pay your co-pay and let the insurance company pay the larger portion of the bill. Then you are going to cancel it after paying only a couple of months premiums max? So now they have to make up that loss somewhere, of people doing this (you didn't think it was an original idea, did you?) so they raise the premiums of all the people that keep their insurance active all the time? They are a business after all and responsible to their shareholders, not a charity. And you really see nothing wrong with doing this?